13300 INDIAN ROCKS ROAD UNIT 103, LARGO, FL, 33774
Active33 days on marketListed Jul 1, 2026MLS #TB8523837
About this home
13300 INDIAN ROCKS ROAD UNIT 103
Virtually Staged. WON’T LAST LONG – this highly desired home in Randolph Farms is MOVE IN READY! Located in a premium Intracoastal waterfront community this is one you don’t want to miss. The community has gorgeous mature landscaping and showcases expansive waterfront access and views. As you approach your private gated entrance, you enter your own courtyard oasis. This pavered front patio can accommodate your furniture and outdoor grilling station needs. When you enter the home you are greeted by soaring vaulted ceilings that accentuate the freshly painted, light and bright space. The home chef will be excited to see the ample amount of kitchen cabinetry. There is both a formal dining room and a breakfast bar for casual dining. This home is an entertaining paradise featuring a living room complete with fireplace, family room, and a versatile bonus room! YOU CAN SEE THE WATERFRONT FROM YOUR PRIVATE PRIMARY BEDROOM BALCONY. Primary suite features a walk-in closet, dual granite vanities, and tub with separate tiled shower. It also boasts a separate nook, a great space to cozy up with a good book. There is a downstairs bedroom with en-suite bathroom that features a separate entrance - a great option for a home office. All bedrooms are generously sized and all are serviced by their own separate bathrooms. The split-bedroom layout ensures privacy for all. The oversized detached two-car garage features upper-level decking for extra storage space! Enjoy the outdoors with the private back patio, front courtyard or the expansive community property just outside your door. Ideally positioned within the community, this home is just steps from the clubhouse, pool, pickleball/tennis and extra guest parking. Boat slips are rented monthly subject to availability. HOA covers ROOF, CABLE, INTERNET, WATER, SEWER, TRASH, EXTERIOR MAINTENANCE, GROUNDS MAINTENANCE, AND SO MORE. SAVES YOU MONEY $$!! Close to restaurants, shopping and award-winning beaches – only 2 miles from Indian Rocks Beach and 7 miles to Clearwater Beach. Just a short drive to both local and international airports (PIE & TPA).
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,550
Sqft
0 ac
Lot size
2
Garage
1974
Year built
Two
Levels
$222
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.
$5,106 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,106/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Largo actives
$222 vs $240
Days on market
33 vs 42 typical
Where $222/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 Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33774 — neighborhood snapshot
Population
20,018
Median age
49.1
Median income
$76,769
Median home value
$315,200
Avg household
2.38
Households w/ children
1,963
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)
203 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
Reality check
What actually sold near 13300 INDIAN ROCKS ROAD UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$540,000
13300 INDIAN ROCKS ROAD UNIT 403 · same community
3 bd · 3 ba · 2,150 sqft · $251/sqft · 28 DOM
Sold · Nov ’25$375,000
13300 INDIAN ROCKS ROAD UNIT 704 · same community
2 bd · 2 ba · 1,722 sqft · $218/sqft · 2 DOM
Sold · Jun ’26$471,500
13300 INDIAN ROCKS ROAD UNIT 101 · same community
2 bd · 2 ba · 1,683 sqft · $280/sqft · 85 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 13300 INDIAN ROCKS ROAD UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13300 INDIAN ROCKS ROAD UNIT 103 — 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
13300 INDIAN ROCKS ROAD UNIT 103 FAQs
What would the monthly payment be for 13300 INDIAN ROCKS ROAD UNIT 103?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,106/mo — principal and interest, the actual property-tax bill, the $842/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 13300 INDIAN ROCKS ROAD UNIT 103?+
The association fee works out to $842 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13300 INDIAN ROCKS ROAD UNIT 103?+
The most recent tax bill on record (2025) was $10,125. 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 13300 INDIAN ROCKS ROAD UNIT 103?+
The listing reports pets: Cats OK, Dogs OK, Yes. 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 $565,000, this home is listed about 110% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 13300 INDIAN ROCKS ROAD UNIT 103?+
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
$565,000 runs 163% above the LARGO 33774 median — but at 2,550 sqft it's also nearly twice the size of the typical Largo listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $842/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXPERTS · Forrest Murphy, Jr. MLS #TB8523837.
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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