12620 138TH STREET N, LARGO, FL, 33774
Active17 days on marketListed Jul 16, 2026MLS #TB8526002
About this home
12620 138TH STREET N
Completely renovated, truly turnkey, and showcasing over $159,000 in recent upgrades completed in 2024 and 2025, this immaculate 3-bedroom, 2-bath home delivers modern coastal living with exceptional style, comfort, and peace of mind. Situated on a rare double-sized corner lot, the property offers outstanding privacy, expansive outdoor space, and the flexibility to add a custom pool while still preserving a generous yard. At the heart of the home is a stunning 2025 kitchen renovation, thoughtfully designed with shaker cabinetry, stunning quartzite countertops, a designer tile backsplash, farmhouse sink, and a full suite of new GE stainless steel appliances including a wall oven, cooktop, microwave, and refrigerator. The kitchen flows seamlessly into the main living areas, creating an open, airy layout ideal for entertaining and everyday living. The interior is light-filled and coastal-inspired, with ceramic wood plank-style flooring throughout, crown molding, recessed LED lighting, fresh neutral paint, and updated finishes that create a cohesive, modern aesthetic. The open-concept living and dining spaces connect effortlessly, offering a warm and inviting atmosphere with abundant natural light throughout. All major systems have been thoughtfully updated for long-term peace of mind, including a new roof (2024), LG HVAC system with all-new ductwork and smart thermostat (2025), updated electrical work, new exterior doors, Ring camera wiring, WiFi-enabled garage door opener with integrated camera controls, and upgraded fixtures throughout the home. The spacious primary suite provides a private retreat featuring an ensuite bathroom and large walk-in closet. Both bathrooms have been fully renovated with custom tile showers, sleek glass enclosures, and marble vanities complemented by upgraded plumbing fixtures and modern finishes. Exterior improvements enhance both beauty and functionality, including fresh exterior paint, new fencing, upgraded landscaping, gutters, Rain Bird irrigation system, and a paver patio designed for outdoor entertaining. The oversized corner lot is a rare find in this coastal location, offering ample space to create the ultimate backyard oasis with a pool, outdoor kitchen, or expanded entertaining areas. Additional highlights include a 2-car garage, washer and dryer, generator hookup, RV/Boating parking —perfect for enjoying the neighborhood lifestyle with ease and convenience. Located in the heart of Largo, this exceptional property is just one mile from the Gulf of Mexico, where residents enjoy award-winning powder-soft beaches, warm Gulf waters, and stunning sunsets. Nearby you’ll find waterfront dining, parks, shopping, and entertainment, while Tampa International Airport is an easy and convenient drive for both business and leisure travel. Short-term rentals are permitted, making this an outstanding opportunity for a primary residence, vacation home, or income-producing investment property. The home is also available fully furnished if desired, allowing for immediate move-in or turnkey rental readiness. With its rare combination of extensive renovations, oversized corner lot, pool-ready yard, coastal location, and flexible rental potential, this property stands out as one of the most compelling opportunities on Florida’s Gulf Coast. NOTE: The 2025 6 person Icon Golf cart is available for sale.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,526
Sqft
0.27 ac
Lot size
2
Garage
1964
Year built
One
Levels
$423
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.
$4,540 /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
$4,540/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.
vs edgeAI estimate
+25.1%
$/sqft vs Largo actives
$423 vs $240
Days on market
17 vs 42 typical
Where $423/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 190% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12620 138TH STREET N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$419,000
12694 138TH LANE · same community
2 bd · 2 ba · 1,326 sqft · $316/sqft · 6 DOM
Sold · Nov ’25$310,000
12800 138TH LANE · same community
2 bd · 2 ba · 1,054 sqft · $294/sqft · 28 DOM
Sold · Nov ’25$530,000
10448 HETRICK CIRCLE W
3 bd · 2 ba · 1,518 sqft · $349/sqft · 151 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 12620 138TH STREET N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12620 138TH STREET N — 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
12620 138TH STREET N FAQs
What would the monthly payment be for 12620 138TH STREET N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,540/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 12620 138TH STREET N?+
The most recent tax bill on record (2025) was $7,890. 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 $645,000, this home is listed about 139% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12620 138TH STREET N?+
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
Three things that matter here
01Positioned at the premium end
$645,000 runs 190% above the LARGO 33774 median — but at 1,526 sqft it's also 25% larger than the typical Largo listing.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Strong 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 FLORIDA DRIVEN REAL ESTATE · Sarah Strobel. MLS #TB8526002.
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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