3995 SOUTH CIRCLE, LARGO, FL, 33774
Active379 days on marketListed Jul 9, 2025MLS #TB8398579
About this home
3995 SOUTH CIRCLE
Welcome to 150 ft amazing waterfront views with direct Gulf access. Enjoy watching manatees, dolphins or fishing from the dock. Or, launch a boat from your own backyard boat lift and be in the Gulf in a matter of minutes! This property will accommodate a large vessel. This home is located on a quiet cul-de-sac with no HOA. Large west-facing rear windows afford fantastic views of the water and gorgeous sunsets. Hurricane flood damage has impacted this home and is being sold 'as is' providing a blank canvas for your vision. Requesting cash offers only with proof of funds. Needs Electrical,Flooring, HVAC.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,339
Sqft
0.23 ac
Lot size
2
Garage
1959
Year built
One
Levels
$297
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.
$4,532 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,532/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−3.6%
Days on market
379 vs 42 typical
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 Harbor Hills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Harbor Hills — neighborhood snapshot
Population
1,452
Median age
50
Median income
$128,233
Median home value
$558,700
Avg household
3
Households w/ children
167
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 248% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
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 3995 SOUTH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3995 SOUTH CIRCLE — 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
3995 SOUTH CIRCLE FAQs
What would the monthly payment be for 3995 SOUTH CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,532/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 3995 SOUTH CIRCLE?+
The most recent tax bill on record (2024) was $4,338. 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 3995 SOUTH CIRCLE?+
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 $695,000, this home is listed about 158% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3995 SOUTH CIRCLE?+
Anona Elementary School (elementary), Largo High School (high), Seminole Middle School (middle) — 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
$695,000 runs 248% above the LARGO 33774 median — but at 2,339 sqft it's also nearly twice the size of the typical Largo listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
379 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $895,000, now $695,000 — a $200K cut. The full history is in the market section below.
Listing courtesy of BELLOISE REALTY · John Dimura. MLS #TB8398579.
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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