12713 137TH LANE, LARGO, FL, 33774
Active2 days on marketListed Oct 9, 2026MLS #TB8556881
About this home
12713 137TH LANE
A new roof, fresh exterior paint and a location close to Gulf beaches provide a strong starting point for this Largo pool home’s next chapter. Currently arranged as a three-bedroom, three-bathroom home with a one-car garage, the property offers an opportunity to complete a substantial interior renovation and create spaces that reflect your own style. The unfinished interior offers an opportunity to plan a renovation around your own preferences for cabinetry, flooring, fixtures and finishes, with buyers to evaluate any additional preparation and work needed. A living and dining room combination provides a central gathering space, while the kitchen area offers possibilities for a personalized design. A Florida room adds flexibility for an additional sitting area, hobbies or entertaining once renovated, and there is also an inside laundry room. Outside, the fenced yard and pool with a screened enclosure offer the foundation for an inviting outdoor retreat. With restoration and landscaping, this area could become a welcoming setting for outdoor dining, relaxing and enjoying time around the pool. Located near Indian Rocks Road and Walsingham Road, the home offers convenient access to grocery stores, shopping, casual dining and everyday services, with Indian Rocks Beach a short drive away for beach days and Gulf sunsets. Anona Elementary School is nearby, and the Florida Botanical Gardens, Heritage Village and Walsingham Park provide additional options for exploring local history, gardens and outdoor recreation. Bring your renovation plans and consider the possibilities of combining a personalized interior with an existing pool, fenced yard and convenient coastal location. The property requires substantial renovation and is being sold as-is. Buyers and agents should verify bedroom and bathroom configuration, square footage, permits, school zoning, pool condition and all renovation requirements with the appropriate municipality. All information is believed to be accurate but is not guaranteed. Buyers and agents to verify all facts/information pertinent to their purchase decision. No utilities will be activated.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,560
Sqft
0.2 ac
Lot size
1
Garage
1968
Year built
One
Levels
$199
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.
$2,657 /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
$2,657/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
−19.6%
$/sqft vs Largo actives
$199 vs $221
Days on market
2 vs 69 typical
Where $199/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
20,018
Median age
49.1
Median income
$76,769
Median home value
$315,200
Avg household
2.38
Households w/ children
1,963
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)
204 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 42% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12713 137TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$415,000
12999 INDIAN ROCKS ROAD · same community
3 bd · 2 ba · 1,443 sqft · $288/sqft · 7 DOM
Sold · May ’26$419,000
12694 138TH LANE · same community
2 bd · 2 ba · 1,326 sqft · $316/sqft · 6 DOM
Sold · Nov ’25$310,000
12800 138TH LANE · same community
2 bd · 2 ba · 1,054 sqft · $294/sqft · 28 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 12713 137TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12713 137TH LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12713 137TH LANE FAQs
What would the monthly payment be for 12713 137TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,657/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 12713 137TH LANE?+
The most recent tax bill on record (2025) was $6,430. 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 $309,900, this home is listed about 10% above the Largo median of $282,099. The market section on this page shows how the area is trending.
Which schools are assigned to 12713 137TH LANE?+
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
$309,900 runs 42% above the LARGO 33774 median — but at 1,560 sqft it's also 27% larger than 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.
03Fresh on the market
Only 2 days on market in a Largo market that averages 69 — if it fits, move quickly.
04Strong assigned schools
Anona Elementary School, Seminole Middle School, Largo High School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RESULTS REAL ESTATE INC · Stephanie See. MLS #TB8556881.
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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