David Ramirez
$89,5002 bd2 ba1,008 sqft$89 /sqft$1,351 /mo all-in ↓

476 NEEDLE PALM STREET, LARGO, FL, 33778

Active10 days on marketListed Jul 15, 2026MLS #TB8528422

Priced 47% below the LARGO 33778 medianManufactured HomePALM HILL MOBILE HOME PARK UNREC

About this home

476 NEEDLE PALM STREET

On a quiet street in Palm Hill Mobile Home Park (55+ community) is where you will find this new to the market two-bedroom, two bathroom manufactured home. The 1008 sq ft is well laid out for easy living. A front bonus room (144 ft). gives additional space. The partial furnishings will remain. The reasonable list price includes a share in the community. Residents and renters love the resort like living that Palm Hill offers. From pools, golf, shuffleboard, tennis, pickleball, clubhouse activities and much more there is never a dull moment. The one reasonable monthly fee of $595 bundles water, sewer, lawn care, cable and internet. The front kitchen with its bay windows, plenty of cabinet and storage space is a real plus. The appliances-range, fridge, dishwasher and front sink are arranged for easy use. Walls are painted a light color here and throughout the interior. One side of the kitchen opens to the living room and the other side to the dining room. At the end of the dining room a built-in hutch with lower drawer space and display area above makes a convenient area for functional and attractive storage. The dining room space flows naturally to the living space. Windows on both sides bring filtered light inside. A slider from the living room leads to the front bonus room with its own entrance. The only carpeting in the home is in the front bonus room. The primary bedroom and ensuite are roomy and run across the back of the property. There are three closets-two small ones between a built-in cabinet and a larger closet across from the sink and vanity. A door separates the toilet and shower from the rest of the room. The smaller guest bedroom lies at the beginning of the hall and has an adequate wall closet. The hall bath is across from the bedroom. The sink and toilet are updated in both baths. There is a tub with shower. Located near the top of the street this home has attractive yellow siding surrounded by greenery. A long carport could hold two cars. At the end of the carport there is a utility shed with washer and dryer. Call for a quick showing. Add your special belongings and updates to make this your own.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,008

Sqft

0 ac

Lot size

1979

Year built

One

Levels

$89

Per sqft

Partially55+ community

Inside

FlooringCarpet · Ceramic Tile · Laminate · Luxury Vinyl · Vinyl
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s)
LaundryOther
CoolingCentral Air
HeatingCentral · Electric
FurnishedPartially

Outside & construction

RoofOther
ConstructionMetal Frame · Vinyl Siding
FoundationPillar/Post/Pier
FacesSouth
ExteriorSidewalk

Community & fees

HOA fee$595/mo
Taxes (2025)$351/yr
PetsNo
CommunityAssociation Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Golf Carts OK · Golf · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Phone Available · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$1,351 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$527
FHA mortgage insurance (est.)$40
Property tax — 2025 actual bill$29
HOA fee — from the listing$595
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $3,133Loan30-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% · $3,133
Interest rate6.00%
Loan term

Estimated payment

$1,351/mo

Principal & interest$527
FHA mortgage insurance (est.)$40
Property taxes (actual bill)$29
HOA / condo fee$595
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 $90K
$56KedgeAI estimate $82,070 · range $59K$97K$101K

vs edgeAI estimate

+9.1%

$/sqft vs PALM HILL MOBILE HOME PARK UNREC

$89 vs $126

Days on market

10 vs 42 typical

Where $89/sqft sits among the 16 homes for sale in PALM HILL MOBILE HOME PARK UNREC

4 · this home
3
3
3
2
1
$74–95$95–116$116–138$138–159$159–181$181+

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

Map of 476 NEEDLE PALM STREET inside its neighborhood boundary

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)31 min

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

MiddleLargo Middle School★★★★★
HighLargo High School★★★★★
ElementarySouthern Oak Elementary 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)

11 of 16

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 47% below the LARGO 33778 median. See the full Largo market guide →

Paper trail

This home's history

Jul 15, 2026Listed at $89,500 · 10 days on market since
1979Built · PALM HILL MOBILE HOME PARK UNREC

Reality check

What actually sold near 476 NEEDLE PALM STREET

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

65 SABAL PALM DRIVESold · May ’26

$153,350

65 SABAL PALM DRIVE · same community

2 bd · 2 ba · 1,008 sqft · $152/sqft · 381 DOM

53 PINDO PALM STREET ESold · Aug ’25

$88,000

53 PINDO PALM STREET E · same community

2 bd · 2 ba · 1,008 sqft · $87/sqft · 227 DOM

519 NEEDLE PALM STREETSold · Jun ’26

$70,000

519 NEEDLE PALM STREET · same community

2 bd · 2 ba · 1,000 sqft · $70/sqft · 78 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 476 NEEDLE PALM STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 476 NEEDLE PALM 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.

Goes straight to David’s phone and CRM.

Straight answers

476 NEEDLE PALM STREET FAQs

What would the monthly payment be for 476 NEEDLE PALM STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,351/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 476 NEEDLE PALM STREET?+

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 476 NEEDLE PALM STREET?+

The most recent tax bill on record (2025) was $351. 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 476 NEEDLE PALM STREET?+

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 $89,500, this home is listed about 67% below the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 476 NEEDLE PALM STREET?+

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 33778 market on paper

$89,500 is 47% below the LARGO 33778 median of $169,000, and at $89/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.

Listing courtesy of COLDWELL BANKER PICKETT FENCES REALTY · Pam Raymond. MLS #TB8528422.

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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