11315 SHIPWATCH LANE UNIT 1850, LARGO, FL, 33774
Active243 days on marketListed Nov 28, 2025MLS #TB8451968
About this home
11315 SHIPWATCH LANE UNIT 1850
RECENT PRICE REDUCTION AND ALL NEW APPLIANCES ON ORDER! Extremely rare 1st Floor Villa, Corner Unit, 3 Bedroom/2 Bath, 1 Car Garage, located on a serene pond with a large 10'x32' composite deck. It's only minutes right over the bridge from Indian Rocks Beach! Enjoy peace of mind with no assessments, milestone inspection exempt, recently painted, and no flooding during last year's storms. The kitchen has white cabinets, recently installed quartz countertops, a closet pantry, bar seating, and a dinette area with views of the courtyard. The Primary Bedroom has sliders to the covered porch and views of the water, en-suite bath, walk-in closet. The split plan design offers two bedrooms and a full bath on the other side of the home. There is a soft water conditioner and laundry closet with a full size washer and dryer. If you enjoy gardening there is a large courtyard for enjoying flowers and plants making it feel like a home. Shipwatch sits on 56 acres along the Intracoastal with 11 Har-Tru tennis courts, walking trails, pickleball, a private marina with 32 deeded boat slips, fitness center, tennis pro shop, two swimming pools, and lots of planned social activities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,340
Sqft
0.38 ac
Lot size
1
Garage
1993
Year built
One
Levels
$269
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.
$2,674 /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
$2,674/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
−49.9%
$/sqft vs SHIPWATCH
$269 vs $275
Days on market
243 vs 42 typical
Where $269/sqft sits among the 11 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 11
SHIPWATCH have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 80% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 11315 SHIPWATCH LANE UNIT 1850
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$410,000
11535 SHIPWATCH WAY UNIT 1026 · same community
2 bd · 2 ba · 1,245 sqft · $329/sqft · 74 DOM
Sold · Aug ’25$370,000
11520 SHIPWATCH DRIVE UNIT 1385 · same community
2 bd · 2 ba · 1,235 sqft · $300/sqft · 80 DOM
Sold · Sep ’25$307,250
11510 SHIPWATCH DRIVE UNIT 1375 · same community
2 bd · 2 ba · 1,235 sqft · $249/sqft · 134 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 11315 SHIPWATCH LANE UNIT 1850 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11315 SHIPWATCH LANE UNIT 1850 — 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
11315 SHIPWATCH LANE UNIT 1850 FAQs
What would the monthly payment be for 11315 SHIPWATCH LANE UNIT 1850?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,674/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 11315 SHIPWATCH LANE UNIT 1850?+
The most recent tax bill on record (2025) was $2,831. 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 11315 SHIPWATCH LANE UNIT 1850?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $360,000, this home is listed about 34% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 11315 SHIPWATCH LANE UNIT 1850?+
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
$360,000 runs 80% above the LARGO 33774 median.
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
243 days on market against a Largo median of 42 — 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 $439,900, now $360,000 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE AMBROSIO GROUP · Frank Ambrosio. MLS #TB8451968.
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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