2139 20TH AVENUE SW, LARGO, FL, 33774
Active9 days on marketListed Jul 14, 2026MLS #TB8523980
About this home
2139 20TH AVENUE SW
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.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,746
Sqft
0.19 ac
Lot size
2
Garage
2026
Year built
One
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.
$3,596 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,596/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+18.9%
$/sqft vs Largo actives
$338 vs $236
Days on market
9 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 195% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 2139 20TH AVENUE SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$380,000
2372 18TH AVENUE SW · same community
4 bd · 3 ba · 1,740 sqft · $218/sqft · 10 DOM
Sold · Aug ’25$587,186
TBD 18TH AVENUE SW · same community
4 bd · 2 ba · 1,776 sqft · $331/sqft · 222 DOM
Sold · Jun ’26$415,000
2175 20TH AVENUE SW · same community
4 bd · 3 ba · 1,512 sqft · $274/sqft · 41 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 2139 20TH AVENUE SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2139 20TH AVENUE SW — 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
2139 20TH AVENUE SW FAQs
What would the monthly payment be for 2139 20TH AVENUE SW?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,596/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 2139 20TH AVENUE SW?+
The most recent tax bill on record (2025) was $380. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2139 20TH AVENUE SW?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Largo?+
At $589,900, this home is listed about 119% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2139 20TH AVENUE SW?+
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
$589,900 runs 195% above the LARGO 33774 median — but at 1,746 sqft it's also 43% larger than the typical Largo listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
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 COMPASS FLORIDA LLC · Josh Taylor. MLS #TB8523980.
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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