12 THATCH PALM STREET W, LARGO, FL, 33770
Active60 days on marketListed Jun 3, 2026MLS #TB8515493
About this home
12 THATCH PALM STREET W
Get ready to fall in love with this pristine, move-in-ready gem built in 2000, serving up 1,264 square feet of pure comfort! This sparkling 2-bedroom, 2-bathroom beauty steals the show with a premier location right in the center of the vibrant Palm Hill Country Club 55+ community, framing gorgeous views of the North Clubhouse. For a monthly fee of $595.00, your utilities and maintenance—water, sewer, trash, lawn care, cable, and internet—are completely taken care of, unlocking an absolute paradise of resort-style perks. Fill your days with a 9-hole golf course, tennis courts, pickleball, bocce, horseshoes, and billiards. Plus, with two lively clubhouses featuring their own pools, jacuzzis, sun decks, and shuffleboard, the excitement never stops. Come for the beautiful home, stay for the active community fun! INTERIOR: Cross the threshold into this immaculate, furnished(a short list will be provided by the seller) dream home, where a bright and light theme of creamy whites sets a sensational, uplifting vibe! Central heat and air (2013) with ceiling ducts and breeze-catching ceiling fans keep the entire atmosphere crisp and cool. While plush carpeted flooring flows through the majority of the layout, the heart of the home starts in an abundant, sun-drenched kitchen. This home cook's paradise packs a major punch with endless cabinet and counter space, crisp vinyl tile floors, and a full suite of appliances, including a fridge, range, oven, dishwasher, disposal, and microwave. Transition effortlessly into the beautiful dining room—considerable enough to host a larger dining set for festive dinners—before flowing into the incredible, wide-open living room, which serves as the ultimate hotspot for entertaining a crowd of friends and family. Tucked away for maximum accessibility is a dedicated laundry room equipped with a washer and dryer, an extra storage closet, and a quick-access exit to the exterior. Hosting overnight visitors is an absolute breeze here. A welcoming, light-filled guest room stands ready with a handy closet for effortless unpacking, located just across the hallway from a sparkling guest bathroom complete with vinyl tile flooring, a single sink vanity, and a classic tub/shower combo. Finally, the primary bedroom steals the spotlight, drawing you in with beautiful natural light and a wall-to-wall spacious closet. Its private en suite bathroom elevates your daily routine, featuring a walk-in shower with a built-in seat, vinyl tiled floors, and a sizeable single sink vanity offering tons of storage underneath. EXTERIOR: The exterior of this property delivers major curb appeal, with light-colored siding and aesthetically pleasing concrete block construction. Complete with charming shutters, a spacious 2-car carport, and a brand-new shingled roof installed in 2025, this place is as sharp as it is solid. Need extra space? The handy storage shed is perfect for housing your gardening tools, bicycles, or seasonal gear. Best of all, this neat-as-a-pin home is priced at an amazing $218,000—and that includes the share! Turnkey living doesn't get better than this! Grab your keys, book your tour, and claim your front-row seat to the Palm Hill lifestyle before it's gone!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,264
Sqft
0 ac
Lot size
2000
Year built
One
Levels
$172
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 and the real association fee — not generic estimates.
$2,210 /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
$2,210/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
+54.4%
$/sqft vs PALM HILL MOBILE HOME PARK UNREC
$172 vs $119
Days on market
60 vs 42 typical
Where $172/sqft sits among the 19 homes for sale in PALM HILL MOBILE HOME PARK UNREC
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 Palm Hill
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Palm Hill — neighborhood snapshot
Population
1,485
Median age
61
Median income
$56,382
Median home value
$129,997
Avg household
2
Households w/ children
82%
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)
12 of 19
PALM HILL MOBILE HOME PARK UNREC have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% below the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 THATCH PALM STREET W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$166,840
261 SAGO PALM STREET · same community
2 bd · 2 ba · 1,284 sqft · $130/sqft · 92 DOM
Sold · Aug ’25$116,000
225 ROYAL PALM CIRCLE · same community
2 bd · 2 ba · 1,284 sqft · $90/sqft · 184 DOM
Sold · May ’26$173,000
672 SUGAR PALM STREET · same community
2 bd · 2 ba · 1,296 sqft · $133/sqft · 24 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 12 THATCH PALM STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 THATCH PALM STREET W — 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
12 THATCH PALM STREET W FAQs
What would the monthly payment be for 12 THATCH PALM STREET W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,210/mo — principal and interest, the actual property-tax bill, the $595/mo association fee 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.
How much are the HOA fees at 12 THATCH PALM STREET W?+
The association fee works out to $595 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12 THATCH PALM STREET W?+
The most recent tax bill on record (2025) was $898. 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 12 THATCH PALM STREET W?+
The listing reports pets: No. 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 $218,000, this home is listed about 19% below the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12 THATCH PALM STREET W?+
Largo Middle School (middle), Largo High School (high), Southern Oak Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LARGO 33770 market on paper
$218,000 is 4% below the LARGO 33770 median of $228,000, and at $172/sqft it sits under the Largo average of $247.
02Know the monthly fee
The association fee is $595/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Strong assigned schools
Largo Middle School, Largo High School, Southern Oak Elementary School — Southern Oak Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SELECT REAL ESTATE OF PINELLAS · Patricia Long. MLS #TB8515493.
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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