12609 130TH STREET, LARGO, FL, 33774
Active2 days on marketListed Jul 22, 2026MLS #TB8531610
About this home
12609 130TH STREET
elcome to your move-in-ready oasis located at 12609 130th St, Largo, FL. This beautifully updated 3-bedroom, 2-bathroom residence perfectly combines modern style with everyday functionality, complete with a convenient 1-car attached garage. Step inside to an inviting open-concept living area featuring contemporary grey plank flooring, vaulted ceilings, and large windows that flood the space with natural light. The heart of the home is the fully upgraded kitchen, boasting elegant granite countertops, classic white shaker cabinets, a stylish mosaic tile backsplash, and premium stainless steel appliances—perfect for the home chef. The spacious bedrooms offer a peaceful retreat, while the bathrooms feature gorgeous modern updates, including a stylish marble-topped vanity and chic contemporary fixtures. One of the standout features of this property is the massive, fully screened-in lanai. It provides the ultimate outdoor living space to enjoy the Florida breeze year-round without the bugs. The lanai leads out to a large, fully fenced backyard with a concrete patio area, offering plenty of privacy and space for pets, gardening, or outdoor gatherings. Situated in a highly desirable, quiet neighborhood in the 33774 zip code, you are just a short drive from the pristine Gulf beaches, local parks, shopping, and dining. Don’t miss the opportunity to own this turn-key Florida gem!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,398
Sqft
0.16 ac
Lot size
1
Garage
1979
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$180 /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
$180/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 MILL POND
$2 vs $218
Days on market
2 vs 42 typical
Where $2/sqft sits among the 8 homes for sale in MILL POND
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)
4 of 8
MILL POND have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12609 130TH STREET
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$502,500
12833 126TH TERRACE · same community
3 bd · 2 ba · 1,452 sqft · $346/sqft · 30 DOM
Sold · Jul ’26$400,000
12924 129TH AVENUE · same community
3 bd · 2 ba · 1,462 sqft · $274/sqft · 2 DOM
Sold · Jul ’26$462,500
12816 128TH AVENUE · same community
3 bd · 2 ba · 1,330 sqft · $348/sqft · 81 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 12609 130TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12609 130TH 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
12609 130TH STREET FAQs
What would the monthly payment be for 12609 130TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $180/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 12609 130TH 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 $2,800, this home is listed about 99% below the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12609 130TH STREET?+
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
01Under the LARGO 33774 market on paper
$2,800 is 99% below the LARGO 33774 median of $207,000, and at $2/sqft it sits under the Largo average of $247.
02Fresh on the market
Only 2 days on market in a Largo market that averages 42 — if it fits, move quickly.
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 INVESTMENT REALTY · Susan Ross. MLS #TB8531610.
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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