$539,900
12543 108TH STREET, LARGO, FL 33778
Beds
3
Baths
2
Sq Ft
1,962 sq ft
Year Built
1986
Lot Size
0.20 acres
Garage
2
About This Property
This is what Florida living feels like — warm evenings beside a private inground pool, the covered lanai catching the last of the afternoon breeze, and the Gulf beaches sitting just minutes from your front door. Whispering Pines Manor delivers that lifestyle with nothing standing in the way — no HOA fees, no CDD assessments, and a home that is truly move-in ready with zero work needed from day one. Unpack, settle in, and walk straight out to the water. The outdoor space anchors everything — a shaded lanai for slow mornings with coffee, open pool deck for sun-soaked afternoons, and enough yard to make it your own. No renovations on the horizon, no contractor calls to make — just a home that is ready for you exactly as it stands. Drive ten minutes in any direction and you hit the Gulf coast — beaches, waterfront dining, and everything the Largo area offers. No fees eating into your budget, no projects waiting on your list — just the Florida life, ready to live. Homes like this move fast. Call before it's gone.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Utilities
Parking
HOA & Community
Financial Details
Directions
Head south on Seminole Blvd from Largo Plaza — about 0.3 miles Turn right on 124th Ave N — head west, one short block Turn right on 108th St N — head north Property is on your left — 12543 108th St N, Whispering Pines Manor
Location
12543 108TH STREET, LARGO, FL 33778
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$539,900
Loan Term
How to Buy This Home
Multiple financing options available for this $539,900 home in LARGO.
🏛️
FHA Loan
$18,897 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$26,995 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pinellas County SHIP
Varies
Income-qualifying Pinellas residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: August 25, 2026.