David Ramirez
$900,0005 bd2,354 sqft$382 /sqft$6,206 /mo all-in ↓

115 CLEVELAND AVENUE, LARGO, FL, 33770

Active152 days on marketListed Mar 3, 2026MLS #TB8474230

Multi Family (5+)WHITEHURSTS & OTHERS ADD

About this home

115 CLEVELAND AVENUE

The property (all 1/1's) features a thoughtful mix of rental options, including traditional long-term leases and flexible mid-term arrangements for a duration of 90 days or more. Of the five available units, three are currently designated for long-term rentals, providing stable and reliable income. The remaining two units are successfully rented on a mid-term basis through popular platforms such as Airbnb, VRBO, and Furnished Finders, catering to a growing market of travelers and professionals seeking temporary accommodations. All units boast a private & fenced outdoor space. This property sits outside the requirement for flood insurance. This property is ideally suited for anyone looking to enter the lucrative world of Airbnb rentals. With the current setup already established and operational, it offers a seamless transition for new investors seeking to make their mark in the rental market. For seasoned investors, this property represents a fantastic addition to an existing portfolio, enhancing diversification and revenue potential. Units easily converted to all traditional rentals or all midterm rentals with the addition or omission of furnishings.

Facts & features

The home at a glance

5

Bedrooms

2,354

Sqft

0.2 ac

Lot size

1960

Year built

$382

Per sqft

Inside

InteriorKitchen/Family Room Combo · Primary Bedroom Main Floor · Thermostat · Window Treatments
LaundryInside
CoolingMini-Split Unit(s)
HeatingElectric

Outside & construction

RoofBuilt-Up · Membrane
ConstructionBlock
FoundationSlab
ExteriorFenced

Community & fees

Taxes (2024)$10,221/yr

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,206 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,856
PMI (est., until 20% equity)$338
Property tax — 2024 actual bill$852
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $90,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $90,000
Interest rate6.00%
Loan term

Estimated payment

$6,206/mo

Principal & interest$4,856
PMI (est., until 20% equity)$338
Property taxes (actual bill)$852
Est. insurance$160

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.

$/sqft vs Largo actives

$382 vs $240

Days on market

152 vs 42 typical

Where $382/sqft sits among the 400 Largo actives

103
85
80
65
38 · this home
29
$111–171$171–232$232–293$293–353$353–414$414+

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 Old Northwest

Map of 115 CLEVELAND AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa32 min
Tampa Int’l Airport (TPA)32 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Largo. See the full Largo guide →

Old Northwest — neighborhood snapshot

Population

1,726

Median age

54

Median income

$38,494

Median home value

$244,496

Avg household

2

Households w/ children

110

For the school run

Pinellas County School District

HighLargo High School★★★★★
ElementaryMildred Helms Elementary School★★★★
MiddleLargo Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Largo market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$340K$325K

Largo median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

203 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 293% above the LARGO 33770 median. See the full Largo market guide →

Paper trail

This home's history

Mar 3, 2026Listed at $900,000 · 152 days on market since
1960Built · WHITEHURSTS & OTHERS ADD

Reality check

What actually sold near 115 CLEVELAND AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

560 CLEARWATER LARGO ROAD SSold · Dec ’25

$680,000

560 CLEARWATER LARGO ROAD S

4 bd · 3 ba · 2,346 sqft · $290/sqft · 28 DOM

816 9TH AVENUE SWSold · Aug ’25

$490,000

816 9TH AVENUE SW

4 bd · 3 ba · 2,430 sqft · $202/sqft · 13 DOM

911 8TH AVENUE SWSold · Dec ’25

$517,250

911 8TH AVENUE SW

4 bd · 2 ba · 2,274 sqft · $227/sqft · 385 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 115 CLEVELAND AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 115 CLEVELAND AVENUE — 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.

Goes straight to David’s phone and CRM.

Straight answers

115 CLEVELAND AVENUE FAQs

What would the monthly payment be for 115 CLEVELAND AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,206/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 115 CLEVELAND AVENUE?+

The most recent tax bill on record (2024) was $10,221. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Largo?+

At $900,000, this home is listed about 234% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 115 CLEVELAND AVENUE?+

Largo High School (high), Mildred Helms Elementary School (elementary), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$900,000 runs 293% above the LARGO 33770 median — but at 2,354 sqft it's also nearly twice the size of the typical Largo listing.

02Time on market is leverage

152 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.

03Strong assigned schools

Largo High School, Mildred Helms Elementary School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of CARTER PROPERTY GROUP LLC · Brad Carter. MLS #TB8474230.

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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