12295 95TH STREET N, LARGO, FL, 33773
Active11 days on marketListed Oct 2, 2026MLS #TB8554409
About this home
12295 95TH STREET N
BUILD YOUR DREAM HOME! Rare opportunity to own over half an acre in the desirable unincorporated Largo area of Pinellas County. This beautiful, private lot offers plenty of space and endless potential to create the home you’ve always envisioned. Conveniently located near schools, shopping, restaurants, major roadways, and the beautiful Gulf beaches. Enjoy the privacy and flexibility of a larger homesite while remaining close to everything in Pinellas County. This is your opportunity to build your dream home in a convenient central location. Buyer to verify zoning, building requirements, utilities, dimensions, and all other property details with the appropriate governing authorities. Don’t miss this opportunity to secure your own piece of land!
Facts & features
The home at a glance
0.63 ac
Lot size
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.
$3,302 /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
$3,302/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.
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 33773 — neighborhood snapshot
Population
16,918
Median age
46.5
Median income
$74,115
Median home value
$280,600
Avg household
2.39
Households w/ children
1,373
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)
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 56% above the LARGO 33773 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12295 95TH STREET N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$119,500
10359 S LAKE DRIVE UNIT 238
2 bd · 2 ba · 816 sqft · $146/sqft · 336 DOM
Sold · Jan ’26$139,000
10512 PALM DRIVE UNIT 2
2 bd · 2 ba · 841 sqft · $165/sqft · 424 DOM
Sold · Dec ’25$110,000
10350 106TH AVENUE UNIT 11
2 bd · 2 ba · 912 sqft · $121/sqft · 10 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12295 95TH STREET N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12295 95TH STREET N — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12295 95TH STREET N FAQs
What would the monthly payment be for 12295 95TH STREET N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,302/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 12295 95TH STREET N?+
The most recent tax bill on record (2025) was $5,420. 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 12295 95TH STREET N?+
The listing reports pets: 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 $425,000, this home is listed about 49% above the Largo median of $284,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12295 95TH STREET N?+
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.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Whitnee Suarez. MLS #TB8554409.
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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