12760 INDIAN ROCKS ROAD UNIT 516, LARGO, FL, 33774
Active305 days on marketListed Oct 2, 2025MLS #TB8432238
About this home
12760 INDIAN ROCKS ROAD UNIT 516
Welcome to New Atlantis Club, a gated waterfront community located directly on the Intracoastal Waterway, this is all about location,location,location ... This residence in Building 5 offers 2 bedrooms and 2 baths across 1,151 square feet of living space. The open layout features a split-bedroom plan, spacious living and dining area, and an inside laundry room for added convenience. The primary suite includes a walk-in closet and en-suite bath walk-in shower, while the second bedroom and bath provide comfortable guest accommodations. Residents enjoy a resort-style setting with two community pools, a heated spa, clubhouse, fitness center, shuffleboard and tennis courts, kayak and bike storage, outdoor grilling areas, and tiki huts along the waterfront. The property also offers a private entrance to Bonner Park and access to a scenic nature preserve. Assigned parking is included, with guest spaces available. Monthly fees cover cable, water, sewer, trash, pest control, grounds, security, and more. This community requires two years of ownership prior to leasing (minimum 30-day lease) and does not allow pets. With its prime location near shopping, dining, and Gulf beaches, New Atlantis Club presents an excellent opportunity for those seeking a waterfront lifestyle in Pinellas County.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,151
Sqft
1972
Year built
One
Levels
$130
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.
$2,201 /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
$2,201/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
−38.7%
$/sqft vs NEW ATLANTIS CLUB CONDO
$130 vs $178
Days on market
305 vs 52 typical
Where $130/sqft sits among the 9 homes for sale in NEW ATLANTIS CLUB CONDO
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 → $326K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
4 of 9
NEW ATLANTIS CLUB CONDO have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12760 INDIAN ROCKS ROAD UNIT 516
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$153,000
12760 INDIAN ROCKS ROAD UNIT 1049 · same community
2 bd · 2 ba · 987 sqft · $155/sqft · 77 DOM
Sold · Jun ’26$120,000
12760 INDIAN ROCKS ROAD UNIT 578 · same community
2 bd · 1 ba · 987 sqft · $122/sqft · 29 DOM
Sold · Sep ’25$140,000
12760 INDIAN ROCKS ROAD UNIT 410 · same community
1 bd · 1 ba · 747 sqft · $187/sqft · 98 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 12760 INDIAN ROCKS ROAD UNIT 516 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12760 INDIAN ROCKS ROAD UNIT 516 — 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
12760 INDIAN ROCKS ROAD UNIT 516 FAQs
What would the monthly payment be for 12760 INDIAN ROCKS ROAD UNIT 516?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,201/mo — principal and interest, the actual property-tax bill, the $860/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 12760 INDIAN ROCKS ROAD UNIT 516?+
The association fee works out to $860 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12760 INDIAN ROCKS ROAD UNIT 516?+
The most recent tax bill on record (2024) was $2,816. 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 12760 INDIAN ROCKS ROAD UNIT 516?+
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 $149,500, this home is listed about 50% below the Largo median of $299,999. The market section on this page shows how the area is trending.
Which schools are assigned to 12760 INDIAN ROCKS ROAD UNIT 516?+
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
Five things that matter here
01Under the LARGO 33774 market on paper
$149,500 is 30% below the LARGO 33774 median of $215,000, and at $130/sqft it sits under the Largo average of $255.
02Know the monthly fee
The association fee is $860/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
305 days on market against a Largo median of 52 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $180,000, now $149,500 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Tanner Tillung. MLS #TB8432238.
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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