$324,900
11440 HARBOR WAY UNIT 5013, LARGO, FL 33774
Beds
2
Baths
2
Sq Ft
1,200 sq ft
Year Built
1985
Lot Size
0.57 acres
Garage
—
About This Property
Virtually Staged. Welcome to resort-style living at Shipwatch Yacht & Tennis Club, a waterfront community just minutes from the Gulf beaches. This ground-floor 2-bedroom, 2-bath condo offers approximately 1,200 square feet of comfortable living space with a private patio overlooking a tranquil pond and fountain. Inside, the updated kitchen features crisp white cabinetry, quartz countertops, stainless steel appliances, generous pantry storage, and a dedicated beverage station. The primary bedroom offers plenty of space to unwind and an updated en-suite bath with dual vanities and an oversized walk-in shower. A full-size washer and dryer add everyday convenience, while covered parking is located just outside the residence. An exterior storage room provides additional space for bicycles, beach equipment, and seasonal items. Shipwatch offers an impressive collection of amenities, including two swimming pools, a hot tub, fitness center, marina, tennis and pickleball courts, shuffleboard, walking paths, BBQ areas, on-site management, and lush tropical grounds. The association reports fully funded reserves, no pending Milestone issues, and low condo fees. With beaches, dining, shopping, and entertainment all nearby, this is an opportunity to enjoy a low-maintenance Florida lifestyle in one of the area’s established waterfront communities.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
Take Clearwater-Largo Road south to Ulmerton Road. Continue on Ulmerton Road and turn left onto Shipwatch Drive. The guard shack is not staffed; proceed to the entrance gate, which will open automatically as you approach.
Location
11440 HARBOR WAY UNIT 5013, LARGO, FL 33774
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$324,900
Loan Term
How to Buy This Home
Multiple financing options available for this $324,900 home in LARGO.
🏛️
FHA Loan
$11,372 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
$16,245 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: September 27, 2026.