12819 129TH TERRACE, LARGO, FL, 33774
Active83 days on marketListed May 10, 2026MLS #TB8506971
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About this home
12819 129TH TERRACE
AMAZING POOL HOME just minutes from INDIAN ROCKS BEACH!!! FULLY RENOVATED, NO HOA, NON-FLOOD ZONE, and located in a SAFE, HIGH-DEMAND COASTAL COMMUNITY, this property is perfectly positioned for OUT-OF-STATE RELOCATING BUYERS, SECOND-HOME SEEKERS, and AIRBNB / SHORT-TERM RENTAL INVESTORS looking for strong lifestyle appeal and long-term value. Featuring a PRIVATE POOL, SPACIOUS OUTDOOR LIVING AREAS, and RESORT-STYLE BACKYARD, this home delivers the ideal Florida coastal lifestyle with excellent rental potential and everyday livability in one of Pinellas County’s most desirable beach-adjacent areas. This beautifully REMODELED 3-bedroom, 2-bath SOLID BLOCK CONSTRUCTION home offers peace of mind, durability, and modern design throughout. Interior upgrades include PORCELAIN TILE FLOORING, a fully RENOVATED KITCHEN with white cabinetry, QUARTZ COUNTERTOPS, BLACK STAINLESS STEEL APPLIANCES, modern farmhouse sink, RECESSED LIGHTING, and completely UPDATED BATHROOMS. Every detail has been designed with a clean, modern coastal aesthetic that appeals to both full-time residents and vacation guests. A NEW Water Heater has been installed (2026). Step outside to your PRIVATE RESORT-STYLE BACKYARD featuring an EMERALD PEBBLETEC RESURFACED POOL, PORCELAIN TILE POOL DECK, and FULLY FENCED WHITE VINYL PRIVACY FENCE. The outdoor space is ideal for ENTERTAINING, FAMILY GATHERINGS, and HIGH-PERFORMING AIRBNB USE, offering the kind of lifestyle experience vacation renters actively seek in the Indian Rocks Beach area. Prime LOCATION just minutes from INDIAN ROCKS BEACH and SEMINOLE, and only 8 MILES FROM CLEARWATER BEACH. Close to LARGO GOLF COURSE, FLORIDA BOTANICAL GARDENS, PINELLAS TRAIL, shopping, dining, parks, and top local attractions. This is a rare opportunity to own a TURNKEY COASTAL LIFESTYLE HOME with STRONG RENTAL DEMAND, LOW MAINTENANCE FEATURES, and exceptional LONG-TERM INVESTMENT APPEAL.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,642
Sqft
0.14 ac
Lot size
2
Garage
1979
Year built
One
Levels
$334
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,284 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,284/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−8.1%
$/sqft vs Largo actives
$334 vs $240
Days on market
83 vs 42 typical
Where $334/sqft sits among the 400 Largo actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33774 — neighborhood snapshot
Population
20,018
Median age
49.1
Median income
$76,769
Median home value
$315,200
Avg household
2.38
Households w/ children
1,963
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
202 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 155% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12819 129TH TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$555,000
12819 126TH TERRACE · same community
3 bd · 2 ba · 1,628 sqft · $341/sqft · 9 DOM
Sold · Aug ’25$300,000
12803 126TH TERRACE · same community
3 bd · 2 ba · 1,664 sqft · $180/sqft · 71 DOM
Sold · Jun ’26$335,000
12904 128TH LANE · same community
4 bd · 3 ba · 1,607 sqft · $208/sqft · 9 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12819 129TH TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12819 129TH TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
12819 129TH TERRACE FAQs
What would the monthly payment be for 12819 129TH TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,284/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12819 129TH TERRACE?+
The most recent tax bill on record (2025) was $7,867. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Largo?+
At $548,000, this home is listed about 103% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12819 129TH TERRACE?+
Oakhurst Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$548,000 runs 155% above the LARGO 33774 median — but at 1,642 sqft it's also 34% larger than the typical Largo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $563,200, now $548,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Lissette Cedeno Vazquez. MLS #TB8506971.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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