12619 98TH STREET, LARGO, FL, 33773
Active475 days on marketListed Apr 4, 2025MLS #TB8370495
About this home
12619 98TH STREET
Beautifully updated 3 Bedroom, 2 Bath, 2 Car Garage home located in Blue Water Cove. This home is located at the end of the street. 2,332 sq. ft. Home has been completely updated with New Roof, New Paint inside and outside, Newly Updated Kitchen with Quartz Countertops, Cabinets, GE Appliances, Tiled Living Areas, Laminate flooring in All Bedrooms, 8 Ceiling Fans, Storm Impact Windows, 2 Fireplaces, Pool Resurfaced, Upgraded Pool Deck to Pavers, Rescreened Pool Enclosure, Resurfaced Garage Floor, New 4-Ton AC and so much more. Double Gate in fence on back side of home for easy storage of RV or Boat. Move-In Ready! NO HOA Fee! Home had some water intrusion during Hurricane Milton but repairs have been completed.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,332
Sqft
0.23 ac
Lot size
2
Garage
1981
Year built
One
Levels
$236
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.
$3,661 /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
$3,661/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
−33.2%
$/sqft vs Largo actives
$236 vs $237
Days on market
475 vs 42 typical
Where $236/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 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)
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 150% above the LARGO 33773 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12619 98TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$430,000
9591 128TH TERRACE · same community
4 bd · 2 ba · 2,106 sqft · $204/sqft · 49 DOM
Sold · Feb ’26$458,500
9764 130TH AVENUE · same community
4 bd · 2 ba · 1,741 sqft · $263/sqft · 83 DOM
Sold · Oct ’25$510,000
12641 98TH STREET · same community
3 bd · 2 ba · 1,624 sqft · $314/sqft · 161 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 12619 98TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12619 98TH STREET — 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
12619 98TH STREET FAQs
What would the monthly payment be for 12619 98TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,661/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 12619 98TH STREET?+
The most recent tax bill on record (2024) was $173. 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 12619 98TH STREET?+
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 $550,900, 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 12619 98TH STREET?+
Southern Oak Elementary School (elementary), Osceola Middle School (middle), Pinellas Park High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$550,900 runs 150% above the LARGO 33773 median — but at 2,332 sqft it's also nearly twice the size of 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.
03Time on market is leverage
475 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Southern Oak Elementary School, Osceola Middle School, Pinellas Park High School — Southern Oak Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $630,000, now $550,900 — a $79K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 RE CHAMPIONS · Dan McKnight. MLS #TB8370495.
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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