12120 CROFT DRIVE, LARGO, FL, 33774
Active8 days on marketListed Jul 16, 2026MLS #O6425602
About this home
12120 CROFT DRIVE
Welcome to 12120 Croft Drive, Largo, FL 33774! This beautifully maintained 3-bedroom, 2-bath pool home offers the perfect blend of comfort, convenience, and Florida living. Whether you're searching for your first home, a vacation getaway, or an investment opportunity, this property is a must-see. Featuring a newer roof and located outside of a flood zone, this home offers a functional floor plan with spacious living areas, abundant natural light, and comfortable bedrooms designed for everyday living. Step outside to your own private backyard oasis complete with a sparkling swimming pool perfect for entertaining, relaxing, or enjoying Florida's sunshine year round. The outdoor space is ideal for weekend BBQs, gatherings with family and friends, or simply unwinding in your own private retreat. Conveniently located just minutes from award winning Gulf beaches, parks, shopping, restaurants, golf courses, and entertainment, you'll enjoy everything the Largo and Clearwater area have to offer while still being tucked away in a quiet, established neighborhood. Perfect for first-time homebuyers, seasonal residents, or investors, this property also offers excellent potential as a short-term rental. With its desirable location, private pool, and endless possibilities, this home is an exceptional opportunity you won't want to miss. Schedule your private showing today and discover all that this wonderful home has to offer! Some photos have been virtually staged or digitally enhanced to illustrate the property's potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,572
Sqft
0.2 ac
Lot size
2
Garage
1960
Year built
One
Levels
$350
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.
$4,160 /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
$4,160/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
−0.9%
$/sqft vs Largo actives
$350 vs $236
Days on market
8 vs 42 typical
Where $350/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)
201 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 175% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12120 CROFT DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$472,500
12176 CROFT DRIVE · same community
3 bd · 2 ba · 1,569 sqft · $301/sqft · 22 DOM
Sold · May ’26$510,000
13596 CROFT DRIVE N · same community
4 bd · 3 ba · 1,630 sqft · $313/sqft · 23 DOM
Sold · May ’26$525,000
12271 137TH STREET N · same community
4 bd · 2 ba · 1,428 sqft · $368/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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12120 CROFT DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12120 CROFT DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12120 CROFT DRIVE FAQs
What would the monthly payment be for 12120 CROFT DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,160/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 12120 CROFT DRIVE?+
The most recent tax bill on record (2025) was $6,233. 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 $549,999, this home is listed about 104% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12120 CROFT DRIVE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$549,999 runs 175% above the LARGO 33774 median — but at 1,572 sqft it's also 28% 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.
03Strong assigned schools
Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOMETRUST REALTY GROUP · Renato Torres. MLS #O6425602.
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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