
476 NEEDLE PALM STREET, LARGO, FL, 33778
Active10 days on marketListed Jul 15, 2026MLS #TB8528422
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
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.
$1,351 /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
$1,351/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
+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
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
Drive times from this address
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
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)
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
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.
Sold · May ’26$153,350
65 SABAL PALM DRIVE · same community
2 bd · 2 ba · 1,008 sqft · $152/sqft · 381 DOM
Sold · Aug ’25$88,000
53 PINDO PALM STREET E · same community
2 bd · 2 ba · 1,008 sqft · $87/sqft · 227 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 476 NEEDLE PALM STREET — start here.

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.
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.
Keep looking
Similar homes nearby
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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