13123 108TH AVENUE, LARGO, FL, 33774
Active25 days on marketListed Aug 26, 2026MLS #TB8541802
About this home
13123 108TH AVENUE
Virtually Staged. The extra structure/garage is the only room virtually staged. A Rare Private Retreat in the Heart of Pinellas County! Opportunities to own an incredible home with privacy and land in the heart of Pinellas has become increasingly hard to find. So get ready to fall in love...Discover this hidden gem and embrace a more private, relaxed lifestyle on nearly an acre of beautifully landscaped grounds, all while being just minutes from everything Seminole and Largo have to offer. This 4-bedroom, 3-bath home is in a NON-FLOOD ZONE and boasts an impressive array of thoughtful updates and improvements. Located in unincorporated Pinellas County, the property offers additional flexibility and the possibility of certain farm animals, subject to county regulations. Tucked privately within the backyard, the air-conditioned detached structure with electricity is truly a standout feature of the property. Previously used as a band practice space, this versatile retreat offers endless possibilities—from a creative/art studio or home office to a fitness room, workshop, entertainment space, or private getaway. There is also potential to add a bathroom, subject to required improvements and approvals, making this a unique space that can be thoughtfully tailored to your lifestyle. Inside the house, you will find two spacious living areas, a cozy fireplace, an oversized dining room, a beautifully appointed kitchen with high-end soft-close cabinetry and stainless appliances, a split floor plan, and a lovely primary suite featuring a large walk-in closet with an updated bedroom and en-suite bath (2022). Additional improvements include a whole-house dehumidifier (2025), electrical panel (2023), hot water heater (2023), HVAC ductwork (2021), plantation shutters throughout, and hardwired security cameras. Enjoy your morning coffee or evening hot tea curled up out on the quiet screened lanai looking over the mature landscaping of the gorgeous backyard. This home is a rare combination of land, privacy, flexibility, and convenience—offering the best of country living without giving up the amenities of city life. Just minutes from the Pinellas Trail, parks, Seminole City Center, shopping, dining, and Gulf beaches. Schedule your private tour of this exceptional home, where tranquil surroundings and a warm, inviting atmosphere blend seamlessly with privacy, character, and an abundance of space.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,566
Sqft
0.87 ac
Lot size
2
Garage
1966
Year built
One
Levels
$475
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$8,067 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,067/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+33%
$/sqft vs PINELLAS GROVES
$475 vs $391
Days on market
25 vs 54 typical
Where $475/sqft sits among the 11 homes for sale in PINELLAS GROVES
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33774 — neighborhood snapshot
Population
20,018
Median age
49.1
Median income
$76,769
Median home value
$315,200
Avg household
2.38
Households w/ children
1,963
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $326K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
4 of 11
PINELLAS GROVES have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 467% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 13123 108TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$579,000
4880 163RD AVENUE N · same community
5 bd · 4 ba · 2,573 sqft · $225/sqft · 74 DOM
Sold · Apr ’26$1,275,000
11155 131ST STREET · same community
4 bd · 3 ba · 2,556 sqft · $499/sqft · 12 DOM
Sold · Aug ’26$625,000
6251 148 AVENUE N · same community
4 bd · 3 ba · 2,220 sqft · $282/sqft · 42 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13123 108TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13123 108TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13123 108TH AVENUE FAQs
What would the monthly payment be for 13123 108TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,067/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 13123 108TH AVENUE?+
The most recent tax bill on record (2025) was $10,392. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 13123 108TH AVENUE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Largo?+
At $1,220,000, this home is listed about 321% above the Largo median of $290,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13123 108TH AVENUE?+
Anona Elementary School (elementary), Seminole Middle School (middle), Largo High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,220,000 runs 467% above the LARGO 33774 median — but at 2,566 sqft it's also nearly twice the size of the typical Largo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Anona Elementary School, Seminole Middle School, Largo High School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,295,000, now $1,220,000 — a $75K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Lee Stratton. MLS #TB8541802.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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