12909 123RD AVENUE, LARGO, FL, 33774
Active88 days on marketListed May 3, 2026MLS #TB8504506
About this home
12909 123RD AVENUE
Amazing NEW PRICE! Welcome to this spacious 4-bedroom, 2-bath, 2-car garage home ideally situated on a corner lot in the heart of Largo. The split-bedroom layout offers a primary suite with its own private bath on one side of the home, while the additional three bedrooms and guest bath are positioned on the opposite side for added separation. The open-concept design seamlessly connects the kitchen with the living and dining areas, creating an inviting central gathering space. The kitchen and baths reflect updates completed in prior years, offering a solid foundation with opportunity to personalize and enhance over time. Toward the rear of the home, a generously sized family room with a fireplace adds warmth and character, making it an ideal setting for relaxing or entertaining. Step outside to a fenced yard with a quaint patio and room to enjoy outdoor living, whether it be gardening, play areas, or creating your own private retreat. The corner lot location offers added space and presence, while the 2-car garage includes a utility area with washer and dryer hookups for everyday convenience. Overall, the home presents well with comfortable livability today and the potential to further elevate over time—an opportunity to make it your own while building value. This property is ideally located just minutes from area parks and recreation, including Largo Central Park, a 70-acre park with walking paths, playgrounds, and community amenities, as well as Eagle Lake Park, known for its scenic trails and natural surroundings. Indian Rocks Beach is approximately 6 miles away, offering convenient access to Gulf beaches and coastal activities. Downtown St. Petersburg—with its vibrant arts scene, dining, and waterfront—is roughly 10–12 miles away, while Tampa and its downtown business district, Riverwalk, and cultural venues are approximately 20–25 miles away, making commuting and entertainment options easily accessible. The central Pinellas County location also provides convenient access to shopping, dining, and everyday amenities throughout the area. This is an excellent opportunity that you don't want to miss! All information is believed to be accurate but is not guaranteed. Buyers and agents to verify all facts and information pertinent to their purchase decision.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,826
Sqft
0.15 ac
Lot size
2
Garage
1978
Year built
One
Levels
$224
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.
$3,461 /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
$3,461/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
−36.7%
$/sqft vs Largo actives
$224 vs $238
Days on market
88 vs 42 typical
Where $224/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)
204 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 98% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12909 123RD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$640,000
10062 121ST STREET
3 bd · 2 ba · 1,822 sqft · $351/sqft · 19 DOM
Sold · May ’26$652,500
14096 PASSAGE WAY
3 bd · 2 ba · 1,800 sqft · $363/sqft · 3 DOM
Sold · May ’26$668,300
11796 SAREE COURT
4 bd · 2 ba · 1,795 sqft · $372/sqft · 24 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 12909 123RD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12909 123RD AVENUE — 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
12909 123RD AVENUE FAQs
What would the monthly payment be for 12909 123RD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,461/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 12909 123RD AVENUE?+
The most recent tax bill on record (2025) was $8,483. 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 $409,900, this home is listed about 52% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12909 123RD 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
Four things that matter here
01Positioned at the premium end
$409,900 runs 98% above the LARGO 33774 median — but at 1,826 sqft it's also 49% larger than the typical Largo listing.
02Time on market is leverage
88 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
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 $466,900, now $409,900 — a $57K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RESULTS REAL ESTATE INC · Stephanie See. MLS #TB8504506.
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.
Never miss a listing
New Largo homes, in your inbox
Like 12909 123RD AVENUE but not quite? A daily digest of every new listing in Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →