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2139 20th Ave SW, Largo, FL, 33774

$338/sqft·Gulf Terrace

3 bd2 ba1,746 sqft2 car garageSingle Family
Listed by COMPASS FLORIDA LLC· Last updated · MLS# TB8523980

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Est. monthly payment
$3,404/mo
Down payment (20%)
$117,980
Property taxes
$32/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2026
2 car garage
8,063 sqft lot
Lot size
1,746 sqft
Living area
Brand new
Built 2026

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
GULF TERRACE
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Living Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorDishwasherDisposal

2139 20th Ave SW is a 2026-built home in Gulf Terrace, Largo. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,746 square feet of living space. Listed at $589,900 (about $338/sqft), 42 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Under Construction. Welcome to this brand-new farmhouse-style residence offering the perfect blend of modern design, quality construction, hurricane impact windows and doors, and a peaceful setting in unincorporated Largo. Situated on a 63' x 128' homesite at the end of a quiet dead-end street, this one-story concrete block home enjoys a unique location directly across from the McKay Creek County Conservation Area, providing a natural wooded backdrop, added privacy, and no homes directly across the street. Best of all, the property is located in Flood Zone X, offering additional peace of mind. Inside, you'll find an inviting open-concept floor plan featuring 3 bedrooms, 2 bathrooms, and a versatile bonus room that can easily serve as a home office, den, playroom, or home gym. The spacious kitchen is designed for everyday living and entertaining, showcasing a large center island with quartz countertops, stainless steel appliances, and seamless flow into the dining and living areas. The private owner's suite offers a spacious walk-in closet and a beautifully appointed en-suite bathroom complete with dual vanities and a walk-in shower. Additional highlights include a walk-in laundry room, covered front and rear porches, and quality finishes throughout. The home is conveniently located near shopping, restaurants, beaches, parks, and major commuting routes while still offering the privacy and charm of a tucked-away neighborhood. Don't miss the opportunity to own this thoughtfully designed new construction home in one of Largo's most unique settings. Schedule your private showing today, and the estimated completion date is September 2026.

The essentials

Built
2026
Price / sqft
$338
On market
59 days
Annual tax
$380
Flood zone
X · Low risk
Lot
8,063 sqft
Type
Single Family Residence

Location

2139 20th Ave SW
Largo, FL, 33774·33774 - Largo
Type
Single Family Residence
Year Built
2026
Lot
8,063 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
59
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Dishwasher
Disposal
Flood Zone X

Annual Tax (2025)

$380

Parcel #

04-30-15-34524-000-0780

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

Gulf Terrace

County

Pinellas

MLS Area

33774 - Largo

Lot Size

8,063 sqft

In CountyStreet Dead-EndUnincorporated
Date
Event
Price
7/14/2026
Listed for sale
Source: Stellar MLS #TB8523980
$589,900+224.1%
$338/sqft
3/1/2025
Sold
Source: Pinellas County Public Record
$182,000
$104/sqft
Est. monthly payment$3,403/mo
Principal & interest$3,077
Property taxes$32
Insurance$295
Down payment20% · $117,980
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: $589,900
$580,000 – $589,900
98.6% – 100% of listTops out right at the list price
80% of listList price
38 of the last 75 home closings in 33774 landed at this number or higher (51%). The median one sat 25 days before it went under contract, and this one is on day 59.

Sample: 75 closed home sales in 33774 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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