12828 128TH AVENUE, LARGO, FL, 33774
Active2 days on marketListed Jul 30, 2026MLS #TB8529032
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Upcoming open house
Sat, Aug 1
11:00 AM – 2:00 PM
About this home
12828 128TH AVENUE
Virtually Staged. Beautifully maintained and thoughtfully updated, this Mill Pond home offers the perfect combination of comfort, quality upgrades, and peace of mind, all nestled in a non-flood zone with NO HOA or CDD just minutes from Gulf beaches. This move-in ready 3-bedroom, 2-bathroom, 2-car garage home has been meticulously cared for and is ready for you to simply unpack and enjoy. The open-concept living and dining areas flow seamlessly into the expanded kitchen, featuring stainless steel appliances, abundant cabinetry, and generous counter space designed for both everyday living and effortless entertaining. Impact-rated sliding glass doors flood the home with natural light while creating a seamless transition to the outdoor living area, embracing the best of Florida's indoor-outdoor lifestyle. Step outside to your own private, fully fenced backyard oasis. Designed for year-round Florida living, this incredible outdoor retreat features a hot tub beneath a gazebo, lush tropical landscaping highlighted by mature palms, an expansive deck, and an outdoor TV—perfect for entertaining family and friends or simply unwinding after a day at the beach. Two oversized storage sheds provide exceptional space for lawn equipment, hobbies, or additional storage. The garage has been transformed into a versatile extension of the home with RaceDeck flooring, built-in cabinetry, and a portable A/C unit, creating the perfect flex space for entertaining, a home gym, workshop, or hobby room while still maintaining garage functionality. Above, a floored attic provides even more convenient storage. Designed with both comfort and preparedness in mind, the home includes a DUAL FUEL GENERATOR connected to a 2023 ELECTRICAL PANEL with a whole-home surge protector, and dedicated generator hookup capable of powering major household necessities during power outages. Additional improvements include 2014 IMPACT WINDOWS and SLIDING GLASS DOOR, hurricane-impact garage door with opener, 2014 ROOF, 2024 WATER HEATER, and 2026 HVAC system, providing years of worry-free ownership. Conveniently located just minutes from the sugar-sand beaches of Indian Rocks Beach, this home also offers easy access to the Southwest Recreation Complex, Florida Botanical Gardens, Walsingham Park, championship golf courses, shopping, dining, top-rated medical facilities, and St. Pete-Clearwater International Airport. Whether you're spending the day on the beach, exploring nearby parks, or enjoying everything Pinellas County has to offer, you'll love having it all just moments away. This isn't just a home, it's a lifestyle. From the stunning outdoor living spaces and extensive updates to the hurricane-ready improvements and unbeatable location, this exceptional Mill Pond property offers the perfect blend of Florida living, everyday comfort, and lasting value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,330
Sqft
0.14 ac
Lot size
2
Garage
1979
Year built
Two
Levels
$338
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.
$3,187 /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
$3,187/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
+34.2%
$/sqft vs Largo actives
$338 vs $240
Days on market
2 vs 42 typical
Where $338/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)
203 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 109% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12828 128TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$462,500
12816 128TH AVENUE · same community
3 bd · 2 ba · 1,330 sqft · $348/sqft · 81 DOM
Sold · Apr ’26$227,500
364 NW 48TH BOULEVARD UNIT K · same community
3 bd · 2 ba · 1,290 sqft · $176/sqft · 240 DOM
Sold · Dec ’25$195,000
231 NW 48TH BOULEVARD · same community
3 bd · 2 ba · 1,290 sqft · $151/sqft · 145 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 12828 128TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12828 128TH AVENUE — 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
12828 128TH AVENUE FAQs
What would the monthly payment be for 12828 128TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,187/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 12828 128TH AVENUE?+
The most recent tax bill on record (2025) was $2,220. 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 $449,000, this home is listed about 67% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12828 128TH AVENUE?+
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
Three things that matter here
01Positioned at the premium end
$449,000 runs 109% above the LARGO 33774 median.
02Fresh on the market
Only 2 days on market in a Largo market that averages 42 — if it fits, move quickly.
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kristie King, Llc. MLS #TB8529032.
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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