11730 SHIPWATCH DRIVE UNIT 402, LARGO, FL, 33774
Active254 days on marketListed Nov 12, 2025MLS #TB8445012
About this home
11730 SHIPWATCH DRIVE UNIT 402
MOVE-IN READY, EASY LIVING RETREAT with a PRIVATE, DIRECT WEST FACING BALCONY offering FULL INTRACOASTAL WATER VIEWS, PARTIAL GULF VIEWS and SPECTACULAR SUNSETS, all in a SUPERB LOCATION CLOSE TO THE BEACH. Perfect as a full time or seasonal residence, UNIT #402 in the HIGHLY SOUGHT AFTER SHIPWATCH ONE TOWER offers a SUPERB PLACE TO HANG YOUR FLIP FLOPS and is YOUR chance to check the boxes and own a slice of paradise in one of Florida’s most desirable locations. Enter into a SUPER CLEAN, WELL-APPOINTED, UPDATED and COMFORTABLE CONDO. CONSISTENT LAMINATE FLOORING THROUGHOUT THE LIVING SPACE, CERAMIC TILE IN THE KITCHEN and BOTH BATHS (no carpet anywhere). SPACIOUS PRIMARY BEDROOM with BALCONY ACCESS and EN-SUITE BATH. Split bedroom floorplan with the 2nd bedroom having close access to the 2nd bath. BOTH BEDROOMS HAVE WALK-IN CLOSETS. For lock and go peace of mind there are ROLL DOWN HURRICANE SHUTTERS on the primary bedroom windows and ACCORDION STYLE HURRICANE SHUTTERS on the balcony. AVAILABLE FULLY FURNISHED and TURNKEY if desired. INSIDE LAUNDRY (washer and dryer included). COVERED, ASSIGNED PARKING SPACE #402 (plus plenty of additional guest parking) and LARGE PRIVATE STORAGE UNIT #402. TWO BUILDING ELEVATORS, GATED COMMUNITY and CODED LOBBY entry. SECURE, SOLID EXTERIOR, CONCRETE CONSTRUCTION, MILESTONE INTEGRITY INSPECTION and SIRS STUDY COMPLETE. PET-FRIENDLY (1 dog and/or 1 cat up to 25lbs each). 3 MONTH MINIMUM RENTAL, max 2x per year with 2 year ownership required prior to renting out. HIGHLY POPULAR, 56 ACRE, RESORT STYLE COMPLEX with AMAZING AMENITIES including 2 pools (waterfront main pool located very close to the condo, 2nd pool is a heated lap pool), hot tub, Intracoastal walking trail, clubhouse, resident library, several community activities and a marina with 32 privately owned slips. Active TENNIS and PICKLEBALL community with coaching professionals available. INDIAN ROCKS BEACH is less than 1 mile from the condo door offering access to miles of soft sand and sparkling Gulf waters, great restaurants, local shops and an array of fun in the sun activities. Be sure to VIEW THE 3D TOUR link for an immediate walk through experience and then schedule your in person visit and DON’T FORGET TO BRING YOUR FLIP FLOPS!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,225
Sqft
0 ac
Lot size
1984
Year built
One
Levels
$286
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.
$3,886 /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
$3,886/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
+14.6%
$/sqft vs SHIPWATCH
$286 vs $275
Days on market
254 vs 42 typical
Where $286/sqft sits among the 10 homes for sale in SHIPWATCH
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 Shipwatch Yacht Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Shipwatch Yacht Club — neighborhood snapshot
Population
574
Median age
76
Median income
$53,869
Median home value
$300,900
Avg household
1
Households w/ children
11%
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)
7 of 10
SHIPWATCH have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 75% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 11730 SHIPWATCH DRIVE UNIT 402
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$244,000
11590 SHIPWATCH DRIVE UNIT 446 · same community
2 bd · 2 ba · 1,225 sqft · $199/sqft · 7 DOM
Sold · Jan ’26$299,900
11730 SHIPWATCH DRIVE UNIT 604 · same community
2 bd · 2 ba · 1,225 sqft · $245/sqft · 3 DOM
Sold · Aug ’25$370,000
11520 SHIPWATCH DRIVE UNIT 1385 · same community
2 bd · 2 ba · 1,235 sqft · $300/sqft · 80 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 11730 SHIPWATCH DRIVE UNIT 402 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11730 SHIPWATCH DRIVE UNIT 402 — 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
11730 SHIPWATCH DRIVE UNIT 402 FAQs
What would the monthly payment be for 11730 SHIPWATCH DRIVE UNIT 402?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,886/mo — principal and interest, the actual property-tax bill, the $998/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 11730 SHIPWATCH DRIVE UNIT 402?+
The association fee works out to $998 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11730 SHIPWATCH DRIVE UNIT 402?+
The most recent tax bill on record (2025) was $6,164. 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 11730 SHIPWATCH DRIVE UNIT 402?+
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 $349,900, this home is listed about 30% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 11730 SHIPWATCH DRIVE UNIT 402?+
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
01Positioned at the premium end
$349,900 runs 75% above the LARGO 33774 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $998/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
254 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
05Strong 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 COASTAL PROPERTIES GROUP INTERNATIONAL · Heloise Povey. MLS #TB8445012.
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.
Never miss a listing
New Largo homes, in your inbox
Like 11730 SHIPWATCH DRIVE UNIT 402 but not quite? A daily digest of every new listing in Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →