13945 106TH AVENUE, LARGO, FL, 33774
Active45 days on marketListed Sep 23, 2026MLS #TB8550539
About this home
13945 106TH AVENUE
Live the laid-back Florida lifestyle you’ve been dreaming about! Just minutes from the beach and the calm waters of the Gulf of Mexico, this beautifully remodeled 4-bedroom, 2-bath block home is ideally located in the popular Oakhurst area between Seminole and Largo. Best of all, the property is NOT located in a FEMA flood zone, so flood insurance is not required, and there’s no HOA to limit your lifestyle. Thoughtfully remodeled in 2023, this spacious home offers approximately 2,164 square feet of living space, combining modern updates with comfortable, functional living areas and abundant storage. The heart of the home is the stylish kitchen, featuring modern white shaker-style cabinetry, granite countertops, a breakfast bar, pass-through lunch bar to the heated and cooled Florida Room, and LG appliances. Additional interior updates include contemporary flooring, six-panel interior doors, a modern double front door with eight frosted-glass inserts that fill the entry with natural light while maintaining privacy, plus updated lighting fixtures and ceiling fans throughout. Both bathrooms were completely remodeled in 2023 with new vanities, granite tile flooring, plumbing fixtures, lighting, tile walls and medicine cabinets. The primary bathroom adds a touch of luxury with a spa shower panel, while the hall bathroom features a tub/shower combination and two extra-large medicine cabinets. Entertaining is easy with the custom built-in bar, complete with cabinetry, granite countertop, wine rack and beverage/wine refrigerator. The heated and cooled Florida Room provides additional flexible living space and opens the home to the spectacular screened outdoor living area. The backyard is designed for enjoying the Florida lifestyle, featuring a screen-enclosed pool with built-in spa and waterfall overflow, along with plenty of covered space for relaxing, dining and entertaining. The former garage was professionally converted into an additional 506 square feet of permitted and approved living space, creating a versatile third bedroom, dedicated office, interior laundry room and large storage closet. The office could easily serve as a craft room, home gym, playroom or other flex space to fit your needs. The garage conversion was permitted, approved and closed by Pinellas County. Additional improvements include a new 4-ton HVAC heat pump, new main electrical panel, new pool pump motor, freshly painted interior and exterior, and a custom-built 8' x 10' wood storage shed in the backyard. With its extensive 2023 remodel, generous living space, resort-style pool and spa, flexible floor plan, abundant storage, and convenient location just minutes from the Gulf beaches, this home offers the opportunity to enjoy the Florida lifestyle without the hassle of an HOA or the requirement for FEMA flood insurance. Move-in ready and waiting for its next chapter!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,164
Sqft
0.19 ac
Lot size
1970
Year built
One
Levels
$309
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.
$5,425 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$5,425/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−6.5%
$/sqft vs Largo actives
$309 vs $218
Days on market
45 vs 49 typical
Where $309/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 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
19,799
Median age
49.6
Median income
$79,139
Median home value
$334,400
Avg household
2.32
Households w/ children
1,731
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
$321K → $360K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
213 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 235% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 13945 106TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$605,000
10627 YUNKER DRIVE · same community
4 bd · 2 ba · 1,925 sqft · $314/sqft · 17 DOM
Sold · Apr ’26$1,980,000
19600 GULF BOULEVARD UNIT 402
3 bd · 3 ba · 2,175 sqft · $910/sqft · 4 DOM
Sold · May ’26$510,000
13732 86TH AVENUE
4 bd · 3 ba · 2,117 sqft · $241/sqft · 182 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
Arbel Joseph
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13945 106TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13945 106TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arbel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13945 106TH AVENUE FAQs
What would the monthly payment be for 13945 106TH AVENUE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,425/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 13945 106TH AVENUE?+
The most recent tax bill on record (2025) was $9,647. 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 13945 106TH AVENUE?+
The listing reports pets: Cats OK, Dogs OK. 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 $669,000, this home is listed about 143% above the Largo median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13945 106TH 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
$669,000 runs 235% above the LARGO 33774 median — but at 2,164 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 $689,000, now $669,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Cherry Foos. MLS #TB8550539.
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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