12760 118TH STREET, LARGO, FL, 33778
Active69 days on marketListed May 23, 2026MLS #TB8509617
Come see it
Upcoming open houses
Fri, Jul 31
5:00 PM – 7:00 PM
Open House! Rare opportunity in Largo. Updated 4-bedroom, 3-bathroom home featuring a private in-law suite with separate entrance, offering flexibility for guests, extended family, or multi-generational living. The property also includes a spacious bonus area, detached workshop/storage building, gated side access, and ample parking for a boat, RV, or additional vehicles. Conveniently located near shopping, dining, major roadways, and Gulf beaches. Move-in ready and full of possibilities!
Sat, Aug 1
10:00 AM – 12:00 PM
Open House! Rare opportunity in Largo. Updated 4-bedroom, 3-bathroom home featuring a private in-law suite with separate entrance, offering flexibility for guests, extended family, or multi-generational living. The property also includes a spacious bonus area, detached workshop/storage building, gated side access, and ample parking for a boat, RV, or additional vehicles. Conveniently located near shopping, dining, major roadways, and Gulf beaches. Move-in ready and full of possibilities!
About this home
12760 118TH STREET
Price Improvement!!! Beautifully renovated and move-in ready, this exceptional 4-bedroom, 3-bath home features paid-off solar panels, NO HOA, and an additional private suite featuring a kitchenette and separate entrance—all just minutes from Indian Rocks Beach. Designed to deliver the flexibility, energy efficiency, and everyday convenience today’s buyers value most, this home offers an exceptional opportunity to enjoy the Florida lifestyle near Gulf beaches, shopping, dining, parks, and everyday conveniences. Step inside to discover a bright, open-concept floor plan where the living, dining, and kitchen areas flow seamlessly together, creating an inviting space for everyday living and entertaining. The beautifully renovated kitchen showcases quartz countertops, modern cabinetry, stainless steel appliances, generous prep space, and contemporary finishes designed for today’s lifestyle. The spacious primary suite offers a peaceful retreat with a beautifully updated bathroom, while the additional bedrooms provide flexibility for family, guests, or work-from-home needs. The additional private suite featuring a kitchenette and separate entrance creates outstanding flexibility for extended family, long-term guests, a private home office, or additional living space, making this home adaptable to a variety of lifestyles. Step outside to enjoy a generously sized backyard with plenty of room to relax, entertain, garden, or personalize your outdoor living experience. An additional workshop/storage area provides valuable space for tools, hobbies, recreational equipment, or seasonal storage. Conveniently located near Gulf beaches, parks, shopping, restaurants, healthcare facilities, schools, and major commuter routes, this home combines comfort, convenience, and long-term value. The paid-off solar panels help reduce monthly energy expenses, while the absence of HOA fees provides added flexibility and peace of mind. Seller is motivated and willing to contribute toward buyer’s closing costs with an acceptable offer. Buyer and buyer’s agent are responsible for independently verifying all measurements, room dimensions, permits, zoning, and intended use of all spaces.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,582
Sqft
0.15 ac
Lot size
1971
Year built
One
Levels
$272
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.
$2,896 /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
$2,896/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
−42.2%
$/sqft vs Largo actives
$272 vs $238
Days on market
69 vs 42 typical
Where $272/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 Martin Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Martin Terrace — neighborhood snapshot
Population
533
Median age
44
Median income
$55,343
Median home value
$316,800
Avg household
3
Households w/ children
41%
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)
204 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 150% above the LARGO 33778 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12760 118TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$210,000
11641 129TH AVENUE · same community
4 bd · 1.5 ba · 1,382 sqft · $152/sqft · 5 DOM
Sold · Sep ’25$335,000
11809 129TH AVENUE · same community
5 bd · 2.5 ba · 1,382 sqft · $242/sqft · 83 DOM
Sold · Feb ’26$226,700
11781 128TH AVENUE · same community
4 bd · 2 ba · 1,806 sqft · $126/sqft · 3 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 12760 118TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12760 118TH 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
12760 118TH STREET FAQs
What would the monthly payment be for 12760 118TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,896/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 12760 118TH STREET?+
The most recent tax bill on record (2025) was $180. 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 $429,900, this home is listed about 60% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12760 118TH STREET?+
Fuguitt Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (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
$429,900 runs 150% above the LARGO 33778 median — but at 1,582 sqft it's also 29% larger than the typical Largo listing.
02Strong assigned schools
Fuguitt Elementary School, Richard O Jacobson Technical High School At Seminole, Seminole Middle School — Richard O Jacobson Technical High School At Seminole rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $445,900, now $429,900 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOME PRIME REALTY LLC · Danymar Alca Alcala. MLS #TB8509617.
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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