529 NEEDLE PALM STREET, LARGO, FL, 33778
Active5 days on marketListed Oct 6, 2026MLS #TB8555712
About this home
529 NEEDLE PALM STREET
Experience the quintessential Florida lifestyle in Palm Hill Country Club, a premier, highly active 55+ community designed for those who want to live life to the fullest. Here, your days can be as relaxing or as energized as you choose, with an impressive lineup of amenities including a 9-hole golf course, three sparkling swimming pools, two soothing hot tubs, and active tennis and pickleball courts. A bustling calendar of planned social activities and community events guarantees a vibrant neighborly atmosphere year-round. Total peace of mind is built right in, as the $595 monthly maintenance fee comprehensively covers your water, sewer, lawn care, garbage, and cable. When you venture outside the community, the best of the Gulf Coast is practically at your doorstep. You are just minutes away from exploring the scenic Pinellas Trail, boating, or soaking up the sun on world-renowned sandy Gulf beaches. Plus, with both St. Pete-Clearwater International Airport and Tampa International Airport within easy reach, welcoming family or jetting off on a vacation is completely effortless. Whether you are searching for a dynamic full-time residence or a sun-drenched seasonal getaway. INTERIOR:Step inside to find a seamless open-concept layout featuring high end luxury vinyl flooring built over new plywood subfloors, fresh paint, and stylish drywall, beadboard, and paneled accents. The stunning kitchen (2026) is a chef's dream, boasting brand new cabinetry, sleek countertops, and a full stainless-steel appliance package (refrigerator with ice/water dispenser, range, dishwasher, microwave, and disposal). The kitchen flows effortlessly into the dining area and a generous living room, anchored by an eye-catching designer focal wall. Need extra room? A bonus room being roughly 100 sq ft just off the living room offers the perfect flexible space for a home office, hobby room, or cozy den. Retreat to the spacious primary suite, which easily accommodates a king-size bed and features a walk-in closet alongside a private en-suite bath with a new vanity and glass-enclosed walk-in shower. The nicely sized guest bedroom includes plantation-shutter-style closet doors and sits adjacent to a beautifully refreshed guest bath complete with a new vanity, modern lighting, and a tub/shower combo with a newly tiled ceramic surround. Upgraded with newer windows, brand-new ceiling fans, and recessed lighting throughout, this extensively modernized home is completely move-in ready! EXTERIOR:From the moment you arrive, this residence commands attention with undeniable curb appeal, showcasing crisp vinyl siding, elegant awnings, and updated exterior doors that warmly welcome you inside. Built for effortless comfort and peace of mind, the property boasts a durable roof-over, a reliable heat pump AC unit, and a newly installed vapor barrier underneath. Outdoor living is truly where this home shines. Step onto the expansive screened porch (2019) to admire designer flooring that extends seamlessly to the driveway, creating the perfect shaded sanctuary for morning coffee or evening breezes. Out back, unwind on the private rear patio framed by plush grass, and take advantage of the spacious utility shed equipped with a washer and dryer (2021). Priced competitively at just $122,500 including the share, this move-in-ready retreat offers exceptional value, pride of ownership, and easy coastal living. Opportunities of this caliber rarely linger—schedule your private tour today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
888
Sqft
0 ac
Lot size
1978
Year built
One
Levels
$138
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 and the real association fee — not generic estimates.
$1,629 /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
$1,629/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
+27.3%
$/sqft vs PALM HILL MOBILE HOME PARK UNREC
$138 vs $125
Days on market
5 vs 69 typical
Where $138/sqft sits among the 20 homes for sale in PALM HILL MOBILE HOME PARK UNREC
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 Palm Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Palm Hill — neighborhood snapshot
Population
1,485
Median age
61
Median income
$56,382
Median home value
$129,997
Avg household
2
Households w/ children
82%
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)
10 of 20
PALM HILL MOBILE HOME PARK UNREC have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% below the LARGO 33778 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 529 NEEDLE PALM STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$87,500
664 SUGAR PALM STREET · same community
2 bd · 2 ba · 888 sqft · $99/sqft · 56 DOM
Sold · Apr ’26$106,000
113 ROYAL PALM CIRCLE UNIT 113 · same community
2 bd · 2 ba · 888 sqft · $119/sqft · 181 DOM
Sold · Sep ’26$115,000
773 ROYAL PALM CIRCLE · same community
2 bd · 2 ba · 912 sqft · $126/sqft · 175 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 529 NEEDLE PALM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 529 NEEDLE PALM STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
529 NEEDLE PALM STREET FAQs
What would the monthly payment be for 529 NEEDLE PALM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,629/mo — principal and interest, the actual property-tax bill, the $595/mo association fee 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.
How much are the HOA fees at 529 NEEDLE PALM STREET?+
The association fee works out to $595 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 529 NEEDLE PALM STREET?+
The most recent tax bill on record (2025) was $1,183. 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 529 NEEDLE PALM STREET?+
The listing reports pets: No. 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 $122,500, this home is listed about 57% below the Largo median of $282,099. The market section on this page shows how the area is trending.
Which schools are assigned to 529 NEEDLE PALM STREET?+
Largo Middle School (middle), Largo High School (high), Southern Oak Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LARGO 33778 market on paper
$122,500 is 26% below the LARGO 33778 median of $164,450, and at $138/sqft it sits under the Largo average of $247.
02Know the monthly fee
The association fee is $595/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Only 5 days on market in a Largo market that averages 69 — if it fits, move quickly.
04Strong assigned schools
Largo Middle School, Largo High School, Southern Oak Elementary School — Southern Oak Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SELECT REAL ESTATE OF PINELLAS · Patricia Long. MLS #TB8555712.
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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