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12760 118th St, Largo, FL, 33778

$259/sqft·Martin Terrace 1st

4 bd3 ba1,582 sqftSingle Family
Listed by HOME PRIME REALTY LLC· Last updated · MLS# TB8509617

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Est. monthly payment
$2,358/mo
Down payment (20%)
$81,998
Property taxes
$15/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1971
6,342 sqft lot
Lot size
1,582 sqft
Living area

About this home

Ceiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorStone CountersThermostatSidewalk

12760 118th St is a 1971-built home in Martin Terrace 1st Add, Largo. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,582 square feet of living space. Listed at $409,990 (about $259/sqft), 105 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Price Improvement!!! Beautifully renovated and move-in ready, this exceptional 4-bedroom, 3-bath home features paid-off solar panels, NO HOA, and an additional private suite featuring a kitchenette and separate entrance—all just minutes from Indian Rocks Beach. Designed to deliver the flexibility, energy efficiency, and everyday convenience today’s buyers value most, this home offers an exceptional opportunity to enjoy the Florida lifestyle near Gulf beaches, shopping, dining, parks, and everyday conveniences. Step inside to discover a bright, open-concept floor plan where the living, dining, and kitchen areas flow seamlessly together, creating an inviting space for everyday living and entertaining. The beautifully renovated kitchen showcases quartz countertops, modern cabinetry, stainless steel appliances, generous prep space, and contemporary finishes designed for today’s lifestyle. The spacious primary suite offers a peaceful retreat with a beautifully updated bathroom, while the additional bedrooms provide flexibility for family, guests, or work-from-home needs. The additional private suite featuring a kitchenette and separate entrance creates outstanding flexibility for extended family, long-term guests, a private home office, or additional living space, making this home adaptable to a variety of lifestyles. Step outside to enjoy a generously sized backyard with plenty of room to relax, entertain, garden, or personalize your outdoor living experience. An additional workshop/storage area provides valuable space for tools, hobbies, recreational equipment, or seasonal storage. Conveniently located near Gulf beaches, parks, shopping, restaurants, healthcare facilities, schools, and major commuter routes, this home combines comfort, convenience, and long-term value. The paid-off solar panels help reduce monthly energy expenses, while the absence of HOA fees provides added flexibility and peace of mind. Seller is motivated and willing to contribute toward buyer’s closing costs with an acceptable offer. Buyer and buyer’s agent are responsible for independently verifying all measurements, room dimensions, permits, zoning, and intended use of all spaces.

The essentials

Built
1971
Price / sqft
$259
On market
111 days
Annual tax
$180
Flood zone
X · Low risk
Lot
6,342 sqft
Type
Single Family Residence

Location

12760 118th St
Largo, FL, 33778·33778 - Largo/Seminole
Type
Single Family Residence
Year Built
1971
Lot
6,342 sqft
Cooling
Central Air, Wall/Window Unit(s)
Heating
Central, Electric
Parking
Boat, Driveway
Days on Market
111
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Thermostat
Sidewalk
Storage
Street Lights
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator

Elementary

Fuguitt Elementary-PN

Middle

Seminole Middle-PN

High

Seminole High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X

Annual Tax (2025)

$180

Parcel #

09-30-15-55728-000-0190

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Martin Terrace 1st Add

County

Pinellas

MLS Area

33778 - Largo/Seminole

Lot Size

6,342 sqft

Near Public TransitSidewalk
Date
Event
Price
8/25/2026
Price change
Source: Stellar MLS #TB8509617
$409,990-4.6%
$259/sqft
Price change
Source: Stellar MLS #TB8509617
$429,900-3.6%
$272/sqft
5/23/2026
Listed for sale
Source: Stellar MLS #TB8509617
$445,900+107.4%
$282/sqft
8/1/2025
Sold
Source: Pinellas County Public Record
$215,000
$136/sqft
Est. monthly payment$2,358/mo
Principal & interest$2,138
Property taxes$15
Insurance$205
Down payment20% · $81,998
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $409,990
$400,000 – $409,990
97.5% – 100% of listTops out right at the list price
80% of listList price
31 of the last 60 home closings in 33778 landed at this number or higher (52%). The median one sat 39 days before it went under contract, and this one is on day 111 after a $35,910 cut.

Sample: 60 closed home sales in 33778 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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