David Ramirez
$450,000$465,0002 bd2 ba1,386 sqft$325 /sqft$3,008 /mo all-in ↓

989 8TH AVENUE NE, LARGO, FL, 33770

Active113 days on marketListed Apr 2, 2026MLS #TB8492579

Reduced $15KSingle Family ResidenceLARGO LAKE VILLAS

About this home

989 8TH AVENUE NE

Welcome home to this beautifully updated 2-bedroom, 2-bath residence in the heart of Largo. From the moment you step through the front door, you're greeted by a spacious open-concept living area, enhanced by fresh interior paint and a seamless flow into the thoughtfully designed kitchen. The kitchen is a true standout, featuring custom wood cabinetry, elegant quartz countertops, and brand-new stainless-steel appliances-perfect for both everyday living and entertaining. Luxury vinyl flooring runs throughout the entire home, offering both style and easy maintenance. The oversized primary suite provides a relaxing retreat with ample space to create your own spa-like sanctuary. The en-suite bathroom is designed with accessibility in mind, meeting some ADA standards for added convenience. This home features a desirable split floor plan, and the second bedroom is far from ordinary-it's generously sized and functions like a second primary suite, complete with direct access to the guest bathroom for enhanced privacy. At the rear of the home, you'll find an additional versatile living space ideal for a home office or den. This room opens to a large deck and spacious backyard-perfect for gardening, entertaining, or simply enjoying the outdoors. Meticulously maintained and ideally located minutes from downtown Largo and the stunning Gulf beaches, this home truly has it all!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,386

Sqft

0.15 ac

Lot size

2

Garage

1963

Year built

One

Levels

$325

Per sqft

Negotiable

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorAccessibility Features · Ceiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · Solid Surface Counters · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofTile
ConstructionBlock
FoundationSlab
FacesNorth
ExteriorLighting · Private Yard · Storage

Community & fees

Taxes (2025)$0/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · 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.

$3,008 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$0
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,750Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,750
Interest rate6.00%
Loan term

Estimated payment

$3,421/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Est. property taxes$413
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.

List $450K
$356KedgeAI estimate $375,732 · range $370K$389K$468K

vs edgeAI estimate

+19.8%

$/sqft vs Largo actives

$325 vs $236

Days on market

113 vs 42 typical

Where $325/sqft sits among the 400 Largo actives

102
87
73
61 · this home
46
31
$105–165$165–225$225–285$285–345$345–405$405+

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

Map of 989 8TH AVENUE NE

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)31 min

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

Get to know Largo. See the full Largo guide →

LARGO 33770 — neighborhood snapshot

Population

25,005

Median age

49.3

Median income

$58,071

Median home value

$245,200

Avg household

2.22

Households w/ children

2,227

For the school run

Pinellas County School District

HighLargo High School★★★★★
MiddleLargo Middle School★★★★★
ElementaryPonce De Leon Elementary 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)

200 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 74% above the LARGO 33770 median. See the full Largo market guide →

Paper trail

This home's history

CurrentPrice reduced to $450,000 $15K
Apr 2, 2026Listed at $465,000 · 113 days on market since
1963Built · LARGO LAKE VILLAS

Reality check

What actually sold near 989 8TH AVENUE NE

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

980 8TH AVENUE NESold · Sep ’25

$430,000

980 8TH AVENUE NE · same community

3 bd · 2 ba · 1,559 sqft · $276/sqft · 15 DOM

241 TRALEE STREETSold · Oct ’25

$425,000

241 TRALEE STREET · same community

3 bd · 2 ba · 1,202 sqft · $354/sqft · 16 DOM

331 TRALEE STREETSold · May ’26

$410,000

331 TRALEE STREET · same community

2 bd · 1.5 ba · 1,191 sqft · $344/sqft · 22 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 989 8TH AVENUE NE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 989 8TH AVENUE NE — 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

989 8TH AVENUE NE FAQs

What would the monthly payment be for 989 8TH AVENUE NE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,008/mo — principal and interest, estimated property taxes 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 989 8TH AVENUE NE?+

The most recent tax bill on record (2025) was $0. 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 $450,000, this home is listed about 67% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 989 8TH AVENUE NE?+

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

The brief

Four things that matter here

01Positioned at the premium end

$450,000 runs 74% above the LARGO 33770 median.

02Time on market is leverage

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

03Strong assigned schools

Largo High School, Largo Middle School, Ponce De Leon Elementary School — Ponce De Leon Elementary School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $465,000, now $450,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Kristi Estes Peacock. MLS #TB8492579.

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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