12939 115TH STREET, LARGO, FL, 33778
Active9 days on marketListed Jul 14, 2026MLS #TB8527993
About this home
12939 115TH STREET
Discover the best of Florida living in this BEAUTIFULLY MAINTAINED 2-BEDROOM, 2-BATH, 2-CAR GARAGE HOME with a MASSIVE BONUS ROOM in the highly desired HEATHER HILLS neighborhood of Largo. Just minutes from INDIAN ROCKS BEACH, this home offers the perfect blend of comfort, privacy, and opportunity. Inside, an OPEN FLOOR PLAN features a spacious living/dining/kitchen area with TILE flooring. The kitchen includes high-end STAINLESS appliances, Corian countertops, light oak cabinets along with a dishwasher and a functional layout ideal for entertaining. The generous primary suite offers a WALK-IN CLOSET and an ensuite bath with a walk-in SHOWER. The second bedroom provides excellent closet space, and the well-appointed guest bath includes a TILED WALK-IN SHOWER. The incredible BONUS ROOM adds approximately 350 square feet of additional living space, complete with central A/C and electric. Currently used as a Florida room with a relaxing SPA, this versatile area might be converted to an office, third bedroom, hobby space—or a combination of all three, subject to permit. Step outside to your private oasis: a FULLY FENCED BACKYARD, ideal for pets, play, and outdoor living, plus a STORAGE SHED WITH ELECTRICITY for added convenience and sprinkler system for the lawn. The patio has REMOTE-CONTROLLED awnings for added comfort. With NO HOA, NO REQUIRED FLOOD INSURANCE (FLOOD ZONE X and NON-EVACUATION), and a peaceful location near Largo Mall, Seminole City Center, the Pinellas Trail, parks, dining, golf, medical facilities, and airports, this move-in ready home is packed with potential. Whether you're seeking a full-time residence, seasonal retreat, or smart investment, this property checks every box. Schedule your private showing today and embrace the ultimate Florida lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,668
Sqft
0.17 ac
Lot size
2
Garage
1979
Year built
One
Levels
$261
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.
$3,058 /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
$3,058/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
−14.7%
$/sqft vs Largo actives
$261 vs $236
Days on market
9 vs 42 typical
Where $261/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 33778 — neighborhood snapshot
Population
16,054
Median age
50.9
Median income
$63,633
Median home value
$267,800
Avg household
2.41
Households w/ children
1,345
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 153% above the LARGO 33778 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12939 115TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$470,000
11520 132ND AVENUE · same community
3 bd · 2 ba · 1,653 sqft · $284/sqft · 7 DOM
Sold · Mar ’26$470,000
12985 116TH STREET · same community
3 bd · 2 ba · 1,647 sqft · $285/sqft · 9 DOM
Sold · Aug ’25$460,000
12946 116TH STREET · same community
3 bd · 2 ba · 1,726 sqft · $267/sqft · 35 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 12939 115TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12939 115TH 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
12939 115TH STREET FAQs
What would the monthly payment be for 12939 115TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,058/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 12939 115TH STREET?+
The most recent tax bill on record (2025) was $1,737. 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 12939 115TH STREET?+
The listing reports pets: 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 $435,000, this home is listed about 61% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12939 115TH STREET?+
Fuguitt Elementary School (elementary), Osceola 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.
Keep looking
Similar homes nearby
Listing courtesy of PLUMLEE GULF BEACH REALTY · Betsy Sheffield. MLS #TB8527993.
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.
Never miss a listing
New Largo homes, in your inbox
Like 12939 115TH STREET but not quite? A daily digest of every new listing in Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →