David Ramirez
$525,0003 bd2 ba1,475 sqft$356 /sqft$3,877 /mo all-in ↓

14480 120TH AVENUE, LARGO, FL, 33774

Active20 days on marketListed Jul 9, 2026MLS #TB8523234

Private poolSingle Family ResidenceYELLOW BANKS GROVE 3RD ADD

About this home

14480 120TH AVENUE

Virtually Staged. Welcome to one of the best opportunities to own a pool home on Florida’s Gulf Coast. Located in Largo, less than half a mile from the Gulf of Mexico, this move-in ready 3-bedroom, 2-bath, 1-car garage block home offers the rare combination of coastal living with the peace of mind of a non-flood zone, non-evacuation zone, and no HOA. Whether you’re searching for a primary residence, second home, vacation getaway, or investment opportunity, this property delivers the Florida lifestyle buyers dream about while offering exceptional long-term value in an established area of Pinellas County. Picture yourself starting the day with coffee beside your heated and cooled saltwater pool, spending afternoons entertaining family and friends, and ending the evening surrounded by tropical landscaping beneath colorful Florida sunsets. The fully fenced backyard is a private retreat framed by mature Areca palms, blooming hibiscus, fragrant gardenias, and lush landscaping that create a peaceful escape just minutes from the beach. An expansive travertine pool deck offers generous space for outdoor dining, relaxing, and making the most of Florida’s year-round outdoor lifestyle. The south-facing backyard enjoys sunshine throughout the day while filling the home with beautiful natural light from sunrise to sunset. Inside, an abundance of natural light highlights the home’s inviting mid-century character. Luxury vinyl plank flooring, plantation shutters, fresh interior paint, freshly cleaned tile, an indoor laundry room, and double-pane windows create a comfortable, move-in ready living environment. A wall of double-pane windows across the spacious Florida flex room seamlessly blends indoor and outdoor living, capturing peaceful views of the backyard and making the pool feel like a natural extension of the home. Recent improvements include a 2026 roof, updated electrical panel, hurricane shutters, a 2024 water softener, a 2016 water heater, and a 2014 HVAC system professionally maintained under a service contract since 2020, providing added confidence for the next owner. Living here means more than owning a home. You’re just moments from the Gulf beaches, scenic parks and nature trails, neighborhood boating access, top-rated healthcare and hospitals, convenient grocery stores, shopping, everyday essentials, endless dining options featuring fresh seafood and local favorites, live entertainment, and easy access to Tampa International Airport. Whether your day includes the beach, boating, dining, shopping, or simply relaxing poolside at home, this location checks every box for convenience, recreation, travel, and the Florida lifestyle. Home is being sold unfurnished. Some listing photos have been virtually staged.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,475

Sqft

0.18 ac

Lot size

1

Garage

1960

Year built

One

Levels

$356

Per sqft

Private poolPool view

Inside

FlooringLuxury Vinyl · Tile
AppliancesBuilt-In Oven · Cooktop · Dryer · Freezer · Microwave · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Thermostat
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofBuilt-Up
ConstructionBlock
FoundationSlab
ViewPool
FacesNorth
ExteriorHurricane Shutters · Rain Gutters

Community & fees

Taxes (2025)$4,726/yr

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Water Connected
WaterPublic · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,877 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property tax — 2025 actual bill$394
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,375Loan30-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% · $18,375
Interest rate6.00%
Loan term

Estimated payment

$3,877/mo

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property taxes (actual bill)$394
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 $525K
$490KedgeAI estimate $550,683 · range $510K$606K$631K

vs edgeAI estimate

−4.7%

$/sqft vs Largo actives

$356 vs $242

Days on market

20 vs 42 typical

Where $356/sqft sits among the 400 Largo actives

100
80
71
64
51 · this home
34
$108–165$165–223$223–280$280–337$337–395$395+

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 Yellow Bank Grove

Map of 14480 120TH AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa36 min
Tampa Int’l Airport (TPA)36 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Largo. See the full Largo guide →

Yellow Bank Grove — neighborhood snapshot

Population

398

Median age

61

Median income

$59,788

Median home value

$191,092

Avg household

2

Households w/ children

13%

For the school run

Pinellas County School District

ElementaryAnona Elementary School★★★★
MiddleSeminole Middle School★★★★★
HighLargo High School★★★★★

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)

207 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 163% above the LARGO 33774 median. See the full Largo market guide →

Paper trail

This home's history

Jul 9, 2026Listed at $525,000 · 20 days on market since
1960Built · YELLOW BANKS GROVE 3RD ADD

Reality check

What actually sold near 14480 120TH AVENUE

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

12367 144TH LANESold · Nov ’25

$500,000

12367 144TH LANE · same community

3 bd · 2 ba · 1,497 sqft · $334/sqft · 2 DOM

12196 144TH LANESold · May ’26

$549,900

12196 144TH LANE · same community

3 bd · 2 ba · 1,452 sqft · $379/sqft · 5 DOM

12037 145TH STREETSold · Nov ’25

$380,000

12037 145TH STREET · same community

3 bd · 2 ba · 1,049 sqft · $362/sqft · 80 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 14480 120TH AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 14480 120TH AVENUE — 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

14480 120TH AVENUE FAQs

What would the monthly payment be for 14480 120TH AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,877/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 14480 120TH AVENUE?+

The most recent tax bill on record (2025) was $4,726. 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 $525,000, this home is listed about 95% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 14480 120TH AVENUE?+

Anona Elementary School (elementary), Seminole Middle School (middle), Largo High School (high) — 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

$525,000 runs 163% above the LARGO 33774 median — but at 1,475 sqft it's also 20% larger than the typical Largo listing.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Anona Elementary School, Seminole Middle School, Largo High School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Jennifer Foster. MLS #TB8523234.

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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