3298 21ST AVENUE SW, LARGO, FL, 33774
Active24 days on marketListed Aug 27, 2026MLS #TB8542054
About this home
3298 21ST AVENUE SW
Five bedrooms and a split floorplan give everyone room to breathe, and the multiple living spaces are yours to make your own whether that's a home office, playroom, or something else entirely. The kitchen was fully redone with stainless steel appliances, green cabinetry, and a fresh backsplash. All three bathrooms have been updated, the primary suite has a large walk-in closet, and the roof was replaced in 2021. For the size and the updates, this is the best bang for your buck on the market right now. Situated in Largo, you're five minutes from a Pinellas Trail access point for biking or walking, ten minutes from the Gulf, and close to Largo Central Park, which has a dog park, nature center, sports fields, and walking paths. Everyday shopping, dining, and services on Indian Rocks Road and Ulmerton are just minutes away, and the Clearwater corridor is a short drive north. **Ask about our preferred lender's 1-0 temporary buydown available on FHA and conventional loans for qualified buyers.**
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,652
Sqft
0.14 ac
Lot size
1959
Year built
Two
Levels
$196
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.
$3,591 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,591/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−3.2%
$/sqft vs Largo actives
$196 vs $222
Days on market
24 vs 54 typical
Where $196/sqft sits among the 400 Largo actives
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 Indian Rocks Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Indian Rocks Village — neighborhood snapshot
Population
569
Median age
38
Median income
$67,296
Median home value
$223,985
Avg household
3
Households w/ children
41%
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)
216 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 150% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 3298 21ST AVENUE SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$365,000
3336 20TH AVENUE SW · same community
3 bd · 2 ba · 1,406 sqft · $260/sqft · 328 DOM
Sold · Sep ’26$347,500
2042 ISABELLE STREET · same community
2 bd · 2 ba · 996 sqft · $349/sqft · 28 DOM
Sold · Apr ’26$295,000
3252 21ST PLACE SW · same community
2 bd · 1 ba · 875 sqft · $337/sqft · 2 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3298 21ST AVENUE SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3298 21ST AVENUE SW — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3298 21ST AVENUE SW FAQs
What would the monthly payment be for 3298 21ST AVENUE SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,591/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 3298 21ST AVENUE SW?+
The most recent tax bill on record (2025) was $1,753. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Largo?+
At $519,000, this home is listed about 79% above the Largo median of $290,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3298 21ST AVENUE SW?+
Anona Elementary School (elementary), Largo High School (high), Seminole Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$519,000 runs 150% above the LARGO 33774 median — but at 2,652 sqft it's also nearly twice the size of the typical Largo listing.
02Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $540,000, now $519,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SOUTH CEDAR REAL ESTATE, INC · Caylee Robles, LLC. MLS #TB8542054.
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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