David Ramirez
$399,0003 bd2 ba1,445 sqft$276 /sqft$3,110 /mo all-in ↓

11351 SHIPWATCH LANE UNIT 1841, LARGO, FL, 33774

Active119 days on marketListed Apr 6, 2026MLS #TB8493556

WaterfrontCondominiumSHIPWATCH

About this home

11351 SHIPWATCH LANE UNIT 1841

Waterfront gated community, go to the beach. Corner unit with relaxing water views, rare three-bedroom, two-bath, heated 1,445-square-foot, second-floor villa conveys with an 11.4-by-20-foot private garage plus a two-car tandem parking pad. Glass-enclosed 16-by-8-foot finished lanai with direct water views enjoys sunrises and sunshine. Main bedroom and all living areas overlook these direct water views. Welcome to the gated 56-acre Shipwatch Yacht & Tennis Club just off Indian Rocks Beach. Well laid out corner executive floor plan with 10-foot cathedral ceilings, optimizing space, incoming natural light, water views and functionality. The entrance door is fronted by a 6-by-8-foot private porch area. Go inside to the large 9-by-13.8-foot kitchen with white coastal cabinetry, an eating area, loads of cabinet and knick-knack space, and a breakfast bar which opens to the dining room. Extra windows throughout this home allow natural light to permeate the condominium. The units top-floor location affords the 10-foot vaulted ceilings and privacy. An open floor plan and a large glass-enclosed finished lanai draw your attention to the water views. The main bedroom is en suite and has its private access to the glass-enclosed lanai. Large primary bath with white coastal cabinets, dual vanities, privacy room, separate shower and 8-by-6-foot walk-in closet. Residence 1841 enjoys a split bedroom floor plan for privacy. Both the second bedroom and third bedroom/flex room are serviced by a full bath (tub with shower) off the hallway. The mechanical closet with the air conditioner and water heater as well as the 6-by-3-foot laundry closet can also be found there. Every room has ample window space, including the kitchen and dining area showcasing the surrounding trees, water views, foliage and mature natural landscaping. Shipwatch is blessed with fresh water artesian springs naturally meandering through the 56 acres and emptying into the Intracoastal Waterway. Residence #1841 overlooks a beautiful extra-large spring fed pond right off the lanai where you can relax and watch migrating birds, local turtles, otters and an abundance of wildlife. Shipwatch Yacht & Tennis Club is a lush, 56-acre, gated, pet-friendly community on the Intracoastal Waterway with freshwater artesian springs, ponds, walking trails, two clubhouses with pools (one Olympic-size and one large heated lap pool with a spa), private 32-slip marina, workout facilities, barbecue grills, carwash and recycling area. Eleven Har-Tru tennis courts and pro shop with tennis lessons available, plus two hard courts for pickleball. Only a short distance to the sugar sands of Indian Rocks Beach and a good 25 beach restaurants and shops. Furnishings and contents are available as well. There is even a restaurant with a full bar and a billiards area being used as part of the clubhouse amenities. Boaters, bicyclists, tennis and pickleball players and beach folks are welcomed and encouraged. Great for a full- or part-time Florida home or an easily rentable portfolio asset. Just a wonderful private resort-like atmosphere. There is just no more land left to build places like this anymore, great property at a fantastic price. Shipwatch was high and dry during the 2024 storm season, according to the owner, and no water damage whatsoever in the entire 54-acre development. The condominium is in a non-flood zone area. No flood insurance required.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,445

Sqft

54 ac

Lot size

1

Garage

1992

Year built

One

Levels

$276

Per sqft

WaterfrontNegotiablePets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Other · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Wood Frame
FoundationBlock · Slab
FacesWest
ParkingGuest · Other · Parking Pad
ExteriorBalcony · Irrigation System · Outdoor Grill · Private Mailbox · Sidewalk · Sliding Doors · Storage · Tennis Court(s)

Community & fees

Taxes (2025)$5,094/yr
PetsSize Limit, Yes
CommunityBoat Slip · Community Boat Ramp · Fishing · Intracoastal Waterway · Marina · Private Boat Ramp · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Underground Utilities · 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.

$3,110 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$425
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-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% · $13,965
Interest rate6.00%
Loan term

Estimated payment

$3,110/mo

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$425
Est. insurance$160

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.

List $399K
$383KedgeAI estimate $461,694 · range $450K$491K$511K

vs edgeAI estimate

−13.6%

$/sqft vs SHIPWATCH

$276 vs $273

Days on market

119 vs 42 typical

Where $276/sqft sits among the 11 homes for sale in SHIPWATCH

1
1
0
5 · this home
3
1
$196–217$217–237$237–258$258–279$279–299$299+

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

Map of 11351 SHIPWATCH LANE UNIT 1841 inside its neighborhood boundary

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)38 min

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

ElementaryOakhurst Elementary School★★★★
MiddleSeminole Middle School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

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)

8 of 11

SHIPWATCH have cut their price

Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 86% above the LARGO 33774 median. See the full Largo market guide →

Paper trail

This home's history

Apr 6, 2026Listed at $399,000 · 119 days on market since
1992Built · SHIPWATCH

Reality check

What actually sold near 11351 SHIPWATCH LANE UNIT 1841

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

11590 SHIPWATCH DRIVE UNIT 248Sold · Feb ’26

$355,000

11590 SHIPWATCH DRIVE UNIT 248 · same community

2 bd · 2 ba · 1,445 sqft · $246/sqft · 95 DOM

11590 SHIPWATCH DRIVE UNIT 841Sold · Jul ’26

$502,200

11590 SHIPWATCH DRIVE UNIT 841 · same community

2 bd · 2 ba · 1,445 sqft · $348/sqft · 243 DOM

14840 SHIPWATCH TRACE UNIT 1924Sold · Sep ’25

$382,500

14840 SHIPWATCH TRACE UNIT 1924 · same community

3 bd · 2 ba · 1,556 sqft · $246/sqft · 83 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 11351 SHIPWATCH LANE UNIT 1841 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11351 SHIPWATCH LANE UNIT 1841 — 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

11351 SHIPWATCH LANE UNIT 1841 FAQs

What would the monthly payment be for 11351 SHIPWATCH LANE UNIT 1841?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,110/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 11351 SHIPWATCH LANE UNIT 1841?+

The most recent tax bill on record (2025) was $5,094. 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 11351 SHIPWATCH LANE UNIT 1841?+

The listing reports pets: 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 $399,000, this home is listed about 48% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 11351 SHIPWATCH LANE UNIT 1841?+

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

Four things that matter here

01Positioned at the premium end

$399,000 runs 86% above the LARGO 33774 median — but at 1,445 sqft it's also 18% larger than the typical Largo listing.

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

119 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.

Listing courtesy of PREMIER SOTHEBY'S INTL REALTY · Roger Hogan. MLS #TB8493556.

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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