CENTURY 21 Edge
$499,0003 bd2 ba1,343 sqft$372 /sqft$3,706 /mo all-in ↓

12620 115TH STREET, LARGO, FL, 33778

Active19 days on marketListed Sep 1, 2026MLS #TB8543635

Single Family ResidenceAVON RIDGE

About this home

12620 115TH STREET

Welcome home to this beautifully updated Largo gem, situated HIGH AND DRY in a NON-flood zone, on a spacious CORNER LOT along a quiet cul de sac street. A convenient CIRCULAR DRIVEWAY welcomes you home, while the freshly painted exterior, mature shade trees and established neighborhood create fantastic curb appeal. Step inside and prepare to fall in love with the kitchen! Gorgeous leathered granite countertops, upgraded soft close cabinetry, abundant storage, lazy Susan corner shelving, subway tile backsplash and stunning LIVE EDGE WOOD OPEN SHELVING create a warm, modern farmhouse feel. One of the home's most unique details is the pendant light above the sink, handcrafted using wood sourced from the famous Buddha Coconut tree at the Ford Edison estate. A new Samsung ultra quiet dishwasher adds another thoughtful modern upgrade. The open and spacious living and dining area is made for gathering and entertaining, with a beautifully UPDATED FIREPLACE creating a striking focal point. Sliding glass doors lead to the covered back porch, perfect for morning coffee, evening cocktails, grilling or simply relaxing in the shade. The bedrooms feature attractive vinyl plank flooring, while the spacious primary suite offers its own beautifully updated ensuite bathroom with a LARGE WALK IN SHOWER. All NEW CEILING FANS throughout add another fresh update. One of the guest bedrooms has a seriously cool surprise: a CUSTOM HIDDEN CLOSET beautifully concealed behind a modern wood slat accent wall, combining clever storage with standout design. Even the DEDICATED LAUNDRY ROOM has been thoughtfully designed with cabinetry, workspace and a beautiful window bringing in plenty of natural light. And don't overlook the garage! FULLY INSULATED AND AIR CONDITIONED with its own MINI SPLIT A/C system, this incredibly versatile space can function as a traditional garage while offering so many additional possibilities. Think workshop, home gym, hobby space, game room, office or additional flex space. Plus, it is already equipped with a TESLA WALL CONNECTOR CHARGING STATION. Outside, the FULLY FENCED BACKYARD with 6 foot privacy fencing creates your own private retreat with plenty of room to entertain, gather around the fire pit, let the pets play or simply enjoy the Florida lifestyle. The LOCATION IS HARD TO BEAT! Enjoy convenient access to the beautiful GULF BEACHES, area schools, shopping, restaurants, parks and everything Largo and Pinellas County have to offer, while still coming home to a peaceful neighborhood setting. VA BUYERS, TAKE NOTE! Seller's existing VA loan may be assumable by an eligible Veteran buyer with sufficient VA entitlement for Substitution of Entitlement, subject to lender, servicer and VA approval. Ask your agent for additional details. Beautifully updated, high and dry, full of personality and packed with thoughtful upgrades, this is waiting for YOU!. Come see your new home today!!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,343

Sqft

0.16 ac

Lot size

2

Garage

1979

Year built

One

Levels

$372

Per sqft

FireplaceNegotiable

Inside

FlooringLuxury Vinyl
AppliancesCooktop · Dishwasher · Range Hood · Refrigerator · Tankless Water Heater
InteriorCeiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Stone Counters · Thermostat
LaundryInside · Laundry Closet · Laundry Room · Washer Hookup
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stone · Stucco
FoundationBlock · Slab
FacesSouth
ParkingCircular Driveway · Garage Door Opener · Guest · Oversized
ExteriorPrivate Entrance · Private Mailbox

Community & fees

Taxes (2026)$4,650/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Electricity Connected · Sewer Available · Sewer Connected · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,706 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,938
FHA mortgage insurance (est.)$221
Property tax — 2026 actual bill$388
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,465Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,465
Interest rate6.00%
Loan term

Estimated payment

$3,706/mo

Principal & interest$2,938
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$388
Est. insurance$160

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.

List $499K
$261KedgeAI estimate $331,276 · range $272K$369K$519K

vs edgeAI estimate

+50.6%

$/sqft vs Largo actives

$372 vs $222

Days on market

19 vs 54 typical

Where $372/sqft sits among the 400 Largo actives

114
87
82
40
41 · this home
36
$113–167$167–222$222–277$277–332$332–387$387+

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

Downtown Tampa33 min
Tampa Int’l Airport (TPA)33 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Largo. See the full Largo guide →

LARGO 33778 — neighborhood snapshot

Population

16,054

Median age

50.9

Median income

$63,633

Median home value

$267,800

Avg household

2.41

Households w/ children

1,345

For the school run

Pinellas County School District

ElementaryFuguitt Elementary School★★★★★
MiddleOsceola Middle School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Largo market

Seller’s marketLeans seller3.3 months of inventoryBuyer’s market

$340K$326K

Largo median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

217 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 190% above the LARGO 33778 median. See the full Largo market guide →

Paper trail

This home's history

Sep 1, 2026Listed at $499,000 · 19 days on market since
1979Built · AVON RIDGE

Reality check

What actually sold near 12620 115TH STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12671 115TH STREETSold · Nov ’25

$370,000

12671 115TH STREET · same community

3 bd · 2 ba · 1,360 sqft · $272/sqft · 2 DOM

12412 116TH STREETSold · Aug ’26

$305,000

12412 116TH STREET · same community

2 bd · 2 ba · 1,374 sqft · $222/sqft · 4 DOM

12671 115TH STREETSold · Apr ’26

$563,000

12671 115TH STREET · same community

3 bd · 2 ba · 1,568 sqft · $359/sqft · 30 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.

Shawn Headley

Your agent

Shawn Headley

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 12620 115TH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12620 115TH STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12620 115TH STREET FAQs

What would the monthly payment be for 12620 115TH STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,706/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 12620 115TH STREET?+

The most recent tax bill on record (2026) was $4,650. 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 $499,000, this home is listed about 72% above the Largo median of $290,000. The market section on this page shows how the area is trending.

Which schools are assigned to 12620 115TH STREET?+

Fuguitt Elementary School (elementary), Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Elizabeth Weingart. MLS #TB8543635.

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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