$649,000

632 Shore Dr · Largo, FL, 33771

$541 / sqft
Keene Park
2
Beds
2
Baths
1,199
Sqft
1
Garage
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This is a 1965-built single-family home in Keene Park. Flood zone X500* — outside the high-risk areas, which keeps insurance manageable. 96 days on market — likely some room to negotiate.

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Year Built1965
On Market96 days
Lot7,800 sqft
Annual Tax$6,056
Flood ZoneX500*

About This Property

Significant Price Reduction — Resort-Style Living at an Exceptional Value! Welcome to low-maintenance waterfront living in one of Largo’s rare X flood zone waterfront homes with direct access to Tampa Bay. Perfectly positioned on scenic Allen’s Creek, this beautifully updated pool home offers the waterfront lifestyle buyers are searching for — without the burden of major renovation projects, excessive maintenance, or required flood insurance. Completely move-in ready, the home has been thoughtfully upgraded with major improvements already completed, including a new roof (2023), interior remodel (2023), electrical panel (2023), pool and solar pool heater (2023), hot water heater (2022), HVAC system (2018), and seawall (2017). Impact Anderson double-pane windows in most rooms provide added energy efficiency and storm protection. Inside, natural light fills the open living spaces while peaceful water views create a relaxed coastal atmosphere throughout the home. The updated kitchen features stainless steel appliances, abundant cabinetry, and a charming coffee bar overlooking the water — the perfect place to start your morning while watching dolphins, manatees, and native birds pass through the creek. The outdoor living experience is where this property truly shines. Sliding glass doors open to a spacious screened lanai, sparkling pool, and private waterfront setting designed for entertaining, relaxing, and enjoying the Florida lifestyle year-round. The solar-heated pool also features app-controlled color-changing lighting, creating an incredible atmosphere for evening swims and waterfront gatherings. For boating and outdoor enthusiasts, Allen’s Creek offers over 11 miles of navigable waterways leading directly to Tampa Bay. Kayaking, paddle boarding, fishing, and boating are all accessible from your backyard. The property also includes water rights, offering added flexibility and convenience for buyers interested in building a future dock or boat lift. The home features two spacious bedrooms, including a waterfront primary suite with multiple closets, a walk-in closet, and en-suite bath. The layout is ideal for buyers seeking a turnkey waterfront primary residence, second home, seasonal retreat, or downsized luxury lifestyle. Buyers looking for additional space will also appreciate the potential opportunities to expand or reconfigure the home in the future. Located just minutes from award-winning Gulf beaches, Eagle Lake Park, Largo Central Park, Highland Recreation Complex, shopping, dining, and everyday conveniences, this property offers a rare opportunity to enjoy updated waterfront living in a non-flood zone — an increasingly hard-to-find combination in Pinellas County.

Location

Property Details

🏠
Type
Single Family Residence
📅
Year Built
1965
🌳
Lot
7,800 sqft
❄️
Cooling
Central Air
🔥
Heating
Central
🚗
Parking
Driveway, Garage Door Opener, Oversized
🏊
Pool
Deck, Gunite, In Ground, Salt Water, Solar Heat
📆
Days on Market
96

Features

Ceiling Fans(s)
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Stone Counters
Private Mailbox
Rv Hookup
Sidewalk
Sliding Doors
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer

Assigned Schools

Elementary

Belcher Elementary-PN

Middle

Largo Middle-PN

High

Largo High-PN

Districts can re-zone — verify directly with the district before relying on these.

Taxes & Public Records

🏡Homestead exemption on file🌊Flood Zone X500*

Annual Tax (2025)

$6,056

Parcel #

36-29-15-45504-000-2270

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary — confirm with the county property appraiser before closing.

Lot & Community

Subdivision

Keene Park

County

Pinellas

MLS Area

33771 - Largo

Lot Size

7,800 sqft

City LimitsIn CountyLandscapedSidewalkPaved

Price History

EventDatePriceChange
Price ChangeMay 8, 2026$649,000-$25,000
Previous Price$674,000-$15,000
ListedMar 6, 2026$689,000

Affordable Financing

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Loan Details

$100K$2M

Your Results

Total Monthly Payment
$4,189
Principal, interest, tax, insurance
  • P&I$3,385
  • Tax$505
  • Insurance$300
Loan Amount
$519,200
Down Payment %
20.0%
First Year Summary
Principal
$5,481
Interest
$35,137
Balance
$513,719
Total Interest
$699,326
Total Cost
$1,218,526

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