13589 120TH STREET, LARGO, FL, 33778
Active91 days on marketListed Apr 24, 2026MLS #TB8501592
About this home
13589 120TH STREET
FHA, VA, Conventional Financing or Cash! Great opportunity for a first time home buyer or investor! BEAUTIFUL PROPERTY! Renovated property, great conditions, fresh paint throughout, move in ready, won t last long on the market! Excellent and convenient location! Nearby bus stop, close to shopping mall, hospital, schools, restaurants, parks, easy interstate access to downtown, airport, beaches and many other amenities. SEND PRE-APPROVAL LETTER OR PROOF OF FUNDS, PROPERTY SOLD "AS IS" WITHOUT REPAIR OR WARRANTY, SELLER HAS NO KNOWLEDGE OF PROPERTY HISTORY, NO DISCLOSURES OR ASSOCIATION DOCS SUPPLIED. BUYER/BUYER'S AGENT IS RESPONSIBLE FOR VERIFYING HOA INFO & FEES, IF ANY, COMMUNITY RULES, SQ FT, LOT SIZE, ROOM DIMENSIONS AND TAXES.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,100
Sqft
0.16 ac
Lot size
1960
Year built
One
Levels
$345
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.
$2,756 /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
$2,756/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
−4.9%
$/sqft vs Largo actives
$345 vs $237
Days on market
91 vs 42 typical
Where $345/sqft sits among the 400 Largo actives
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 Ridgecrest Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Ridgecrest Acres — neighborhood snapshot
Population
484
Median age
44
Median income
$55,343
Median home value
$316,800
Avg household
3
Households w/ children
45%
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)
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 125% above the LARGO 33778 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 13589 120TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$218,000
13248 120TH LANE · same community
4 bd · 2 ba · 1,100 sqft · $198/sqft · 3 DOM
Sold · Dec ’25$290,000
13698 120TH STREET · same community
3 bd · 2 ba · 1,163 sqft · $249/sqft · 8 DOM
Sold · Sep ’25$141,000
1825 134TH AVENUE · same community
2 bd · 2 ba · 1,005 sqft · $140/sqft · 118 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 13589 120TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13589 120TH STREET — 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
13589 120TH STREET FAQs
What would the monthly payment be for 13589 120TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,756/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 13589 120TH STREET?+
The most recent tax bill on record (2025) was $2,304. 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 $379,900, this home is listed about 41% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 13589 120TH STREET?+
Ridgecrest Elementary School (elementary), Largo High School (high), Seminole 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
$379,900 runs 125% above the LARGO 33778 median.
02Time on market is leverage
91 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $389,900, now $379,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EZ WAY REALTY · Leandro Alvarez. MLS #TB8501592.
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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