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$489,000

12620 115TH STREET, LARGO, FL 33778

3D Tour
Active30 days on market

Beds

3

Baths

2

Sq Ft

1,343 sq ft

Year Built

1979

Lot Size

0.16 acres

Garage

2

About This Property

Welcome home to this beautifully updated Largo gem, situated HIGH AND DRY in a NON-flood zone, on a spacious CORNER LOT along a quiet cul de sac street. A convenient CIRCULAR DRIVEWAY welcomes you home, while the freshly painted exterior, mature shade trees and established neighborhood create fantastic curb appeal. Step inside and prepare to fall in love with the kitchen! Gorgeous leathered granite countertops, upgraded soft close cabinetry, abundant storage, lazy Susan corner shelving, subway tile backsplash and stunning LIVE EDGE WOOD OPEN SHELVING create a warm, modern farmhouse feel. One of the home's most unique details is the pendant light above the sink, handcrafted using wood sourced from the famous Buddha Coconut tree at the Ford Edison estate. A new Samsung ultra quiet dishwasher adds another thoughtful modern upgrade. The open and spacious living and dining area is made for gathering and entertaining, with a beautifully UPDATED FIREPLACE creating a striking focal point. Sliding glass doors lead to the covered back porch, perfect for morning coffee, evening cocktails, grilling or simply relaxing in the shade. The bedrooms feature attractive vinyl plank flooring, while the spacious primary suite offers its own beautifully updated ensuite bathroom with a LARGE WALK IN SHOWER. All NEW CEILING FANS throughout add another fresh update. One of the guest bedrooms has a seriously cool surprise: a CUSTOM HIDDEN CLOSET beautifully concealed behind a modern wood slat accent wall, combining clever storage with standout design. Even the DEDICATED LAUNDRY ROOM has been thoughtfully designed with cabinetry, workspace and a beautiful window bringing in plenty of natural light. And don't overlook the garage! FULLY INSULATED AND AIR CONDITIONED with its own MINI SPLIT A/C system, this incredibly versatile space can function as a traditional garage while offering so many additional possibilities. Think workshop, home gym, hobby space, game room, office or additional flex space. Plus, it is already equipped with a TESLA WALL CONNECTOR CHARGING STATION. Outside, the FULLY FENCED BACKYARD with 6 foot privacy fencing creates your own private retreat with plenty of room to entertain, gather around the fire pit, let the pets play or simply enjoy the Florida lifestyle. The LOCATION IS HARD TO BEAT! Enjoy convenient access to the beautiful GULF BEACHES, area schools, shopping, restaurants, parks and everything Largo and Pinellas County have to offer, while still coming home to a peaceful neighborhood setting. VA BUYERS, TAKE NOTE! Seller's existing VA loan may be assumable by an eligible Veteran buyer with sufficient VA entitlement for Substitution of Entitlement, subject to lender, servicer and VA approval. Ask your agent for additional details. Beautifully updated, high and dry, full of personality and packed with thoughtful upgrades, this is waiting for YOU!. Come see your new home today!!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8543635
StatusActive
Year Built1979
Stories1
Total Rooms3
ConstructionBlock, Stone, Stucco
RoofShingle
FoundationBlock, Slab
FacesSouth
SubdivisionAVON RIDGE
CountyPinellas
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Stone Counters, Thermostat
FlooringLuxury Vinyl
AppliancesCooktop, Dishwasher, Range Hood, Refrigerator, Tankless Water Heater
LaundryInside, Laundry Closet, Laundry Room, Washer Hookup
CoolingCentral Air, Mini-Split Unit(s)
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorPrivate Entrance, Private Mailbox
FencingVinyl, Wood
Lot Size0.16 acres (7,079 sq ft)
Lot Dimensions71 x 100
Lot FeaturesCorner Lot, City Lot, In County, Landscaped, Near Golf Course, Sidewalk
Road SurfacePaved, Asphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$489,000
Original Price$499,000
Annual Taxes$4,650 (2026)
FinancingAssumable, Cash, Conventional, FHA, VA Loan
Parcel #093015019700000250

Schools

ElementaryLargo Central Elementary-PN
MiddleLargo Middle-PN
HighLargo High-PN

Directions

2620 115th St Largo, FL 33778 Head toward 126th Ave N Turn left onto 126th Ave N

Location

12620 115TH STREET, LARGO, FL 33778

Listing Information

OfficeCHARLES RUTENBERG REALTY INC
ListedSeptember 1, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$489,000

20% ($97,800)
6.75%

Loan Term

Principal & Interest$2,537
Property Tax (est.)$448
Insurance (est.)$150
Total Monthly$3,136
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $489,000 home in LARGO.

🏛️

FHA Loan

$17,115 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

$24,450 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: October 1, 2026.

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