13657 120TH LANE, LARGO, FL, 33778
Active133 days on marketListed Mar 13, 2026MLS #TB8485088
About this home
13657 120TH LANE
Welcome to 13657 120th Ln, a beautifully refreshed 4-bedroom home that perfectly captures the relaxed charm of coastal Florida living. This move-in-ready residence features a bright, light-filled interior where contemporary finishes and clean lines create a warm, polished atmosphere throughout the flexible floor plan. The updated kitchen and open living areas flow effortlessly, providing the ideal space for both everyday comfort and stylish entertaining. One of the standout features of this property is the private backyard patio deck, offering a perfect outdoor retreat for morning coffee or weekend gatherings under the Florida sky. Ideally situated in a quiet Largo neighborhood, this home places you moments away from the recreation at Taylor Park, the Pinellas Trail, and the Greater Ridgecrest YMCA. You will enjoy unparalleled convenience with proximity to Seminole City Center, Largo Medical Center, and premier golf courses. Best of all, you are just a short drive from award-winning Gulf beaches, where whte sands and breathtaking sunsets become a part of your daily routine. With quick access to the vibrant dining and cultural scenes of St. Pete, Clearwater, and Tampa, this beautifully updated home offers a rare opportunity to live in the heart of everything that makes Florida living so special. Seller is able to contribute to buyer closing costs*
Facts & features
The home at a glance
4
Bedrooms
1
Bathrooms
1,100
Sqft
0.14 ac
Lot size
1960
Year built
One
Levels
$291
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.
$2,424 /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
$2,424/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
−11%
$/sqft vs Largo actives
$291 vs $236
Days on market
133 vs 42 typical
Where $291/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 Ridgecrest Acres
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Ridgecrest Acres — neighborhood snapshot
Population
484
Median age
44
Median income
$55,343
Median home value
$316,800
Avg household
3
Households w/ children
45%
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)
200 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 89% above the LARGO 33778 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 13657 120TH LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$218,000
13248 120TH LANE · same community
4 bd · 2 ba · 1,100 sqft · $198/sqft · 3 DOM
Sold · Dec ’25$290,000
13698 120TH STREET · same community
3 bd · 2 ba · 1,163 sqft · $249/sqft · 8 DOM
Sold · Sep ’25$141,000
1825 134TH AVENUE · same community
2 bd · 2 ba · 1,005 sqft · $140/sqft · 118 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13657 120TH LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13657 120TH LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
13657 120TH LANE FAQs
What would the monthly payment be for 13657 120TH LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,424/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 13657 120TH LANE?+
The most recent tax bill on record (2025) was $2,860. 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 $320,000, this home is listed about 19% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 13657 120TH LANE?+
Ridgecrest Elementary School (elementary), Largo High School (high), Seminole Middle School (middle) — 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
$320,000 runs 89% above the LARGO 33778 median.
02Time on market is leverage
133 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $325,900, now $320,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of INVESTOR CORNER REALTY LLC · Joe Medina. MLS #TB8485088.
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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