11531 SHIPWATCH DRIVE UNIT 1037, LARGO, FL, 33774
Active101 days on marketListed Apr 15, 2026MLS #TB8496052
About this home
11531 SHIPWATCH DRIVE UNIT 1037
One or more photo(s) has been virtually staged. PRICE REDUCTION - Lowest Market Price per SqFt for a 3-bedroom here in Shipwatch - MUST SEE - Coastal Comfort Meets Turnkey Living - Welcome to effortless Florida living in the sought-after waterfront community of Shipwatch Yacht & Tennis Club, where lush landscaping, peaceful lagoons, and coastal breezes create a true resort-style retreat. This immaculate second-floor, 3-bedroom, 2-bath residence offers the perfect blend of comfort, convenience, and relaxed elegance. From the moment you enter, you’ll feel at home. Inside, an open and airy floor plan is filled with natural light and enhanced by new flooring throughout. The spacious living area flows seamlessly to a private screened porch overlooking a tranquil lagoon and waterfall, an ideal setting for morning coffee or unwinding at the end of the day. The light and bright kitchen features a cozy eating area with views of Florida’s blue skies, plus a large pantry for added storage. Enjoy the convenience of an inside laundry closet and appreciate the added value of a detached one-car garage, offering covered parking and extra storage space. Lovingly maintained, move-in ready, and ideally located, this home is perfect as a full-time residence, seasonal retreat, or smart investment. Residents of Shipwatch Yacht & Tennis Club enjoy extraordinary amenities including multiple pools, tennis and pickleball courts, fitness facilities, clubhouses, walking trails, scenic ponds, and a private marina, all set on beautifully landscaped grounds along the Intracoastal Waterway. Just minutes from Indian Rocks Beach, shopping, dining, and golf—and with easy access to everything the Gulf Coast lifestyle has to offer—this exceptional condo invites you to relax, recharge, and truly enjoy Florida living. Schedule your private showing and discover why Shipwatch is more than a home—it’s a lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,430
Sqft
1
Garage
1994
Year built
One
Levels
$273
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.
$2,848 /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
$2,848/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
−9.2%
$/sqft vs SHIPWATCH
$273 vs $275
Days on market
101 vs 42 typical
Where $273/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 88% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 11531 SHIPWATCH DRIVE UNIT 1037
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$355,000
11590 SHIPWATCH DRIVE UNIT 248 · same community
2 bd · 2 ba · 1,445 sqft · $246/sqft · 95 DOM
Sold · Jul ’26$502,200
11590 SHIPWATCH DRIVE UNIT 841 · same community
2 bd · 2 ba · 1,445 sqft · $348/sqft · 243 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 11531 SHIPWATCH DRIVE UNIT 1037 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11531 SHIPWATCH DRIVE UNIT 1037 — 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
11531 SHIPWATCH DRIVE UNIT 1037 FAQs
What would the monthly payment be for 11531 SHIPWATCH DRIVE UNIT 1037?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,848/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 11531 SHIPWATCH DRIVE UNIT 1037?+
The most recent tax bill on record (2025) was $2,644. 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 11531 SHIPWATCH DRIVE UNIT 1037?+
The listing reports pets: Cats OK, Dogs OK. 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 $389,900, this home is listed about 45% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 11531 SHIPWATCH DRIVE UNIT 1037?+
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
$389,900 runs 88% above the LARGO 33774 median — but at 1,430 sqft it's also 17% larger than the typical Largo listing.
02Time on market is leverage
101 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $400,000, now $389,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Sue Hirsch. MLS #TB8496052.
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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