11440 HARBOR WAY UNIT 5013, LARGO, FL, 33774
Active18 days on marketListed Sep 26, 2026MLS #TB8551561
About this home
11440 HARBOR WAY UNIT 5013
Virtually Staged. Welcome to resort-style living at Shipwatch Yacht & Tennis Club, a waterfront community just minutes from the Gulf beaches. This ground-floor 2-bedroom, 2-bath condo offers approximately 1,200 square feet of comfortable living space with a private patio overlooking a tranquil pond and fountain. Inside, the updated kitchen features crisp white cabinetry, quartz countertops, stainless steel appliances, generous pantry storage, and a dedicated beverage station. The primary bedroom offers plenty of space to unwind and an updated en-suite bath with dual vanities and an oversized walk-in shower. A full-size washer and dryer add everyday convenience, while covered parking is located just outside the residence. An exterior storage room provides additional space for bicycles, beach equipment, and seasonal items. Shipwatch offers an impressive collection of amenities, including two swimming pools, a hot tub, fitness center, marina, tennis and pickleball courts, shuffleboard, walking paths, BBQ areas, on-site management, and lush tropical grounds. The association reports fully funded reserves, no pending Milestone issues, and low condo fees. With beaches, dining, shopping, and entertainment all nearby, this is an opportunity to enjoy a low-maintenance Florida lifestyle in one of the area’s established waterfront communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,200
Sqft
0.57 ac
Lot size
1985
Year built
One
Levels
$271
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.
$2,450 /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
$2,450/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
+11.2%
$/sqft vs Largo actives
$271 vs $221
Days on market
18 vs 69 typical
Where $271/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 Shipwatch Yacht Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Shipwatch Yacht Club — neighborhood snapshot
Population
574
Median age
76
Median income
$53,869
Median home value
$300,900
Avg household
1
Households w/ children
11%
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 → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
212 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 55% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 11440 HARBOR WAY UNIT 5013
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$330,000
11730 SHIPWATCH DRIVE UNIT 402 · same community
2 bd · 2 ba · 1,225 sqft · $269/sqft · 301 DOM
Sold · Jul ’26$244,000
11590 SHIPWATCH DRIVE UNIT 446 · same community
2 bd · 2 ba · 1,225 sqft · $199/sqft · 7 DOM
Sold · Jan ’26$299,900
11730 SHIPWATCH DRIVE UNIT 604 · same community
2 bd · 2 ba · 1,225 sqft · $245/sqft · 3 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 11440 HARBOR WAY UNIT 5013 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11440 HARBOR WAY UNIT 5013 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11440 HARBOR WAY UNIT 5013 FAQs
What would the monthly payment be for 11440 HARBOR WAY UNIT 5013?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,450/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 11440 HARBOR WAY UNIT 5013?+
The most recent tax bill on record (2025) was $2,804. 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 11440 HARBOR WAY UNIT 5013?+
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 $324,900, this home is listed about 16% above the Largo median of $281,050. The market section on this page shows how the area is trending.
Which schools are assigned to 11440 HARBOR WAY UNIT 5013?+
Oakhurst Elementary School (elementary), Seminole 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.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Christina Paolillo. MLS #TB8551561.
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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