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About this home
12819 129th Ter is a 1979-built home in MILL Pond, Largo. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,642 square feet of living space. Listed at $530,000 (about $323/sqft), 176 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
AMAZING POOL HOME just minutes from INDIAN ROCKS BEACH!!! FULLY RENOVATED, NO HOA, NON-FLOOD ZONE, and located in a SAFE, HIGH-DEMAND COASTAL COMMUNITY, this property is perfectly positioned for OUT-OF-STATE RELOCATING BUYERS, SECOND-HOME SEEKERS, and AIRBNB / SHORT-TERM RENTAL INVESTORS looking for strong lifestyle appeal and long-term value. Featuring a PRIVATE POOL, SPACIOUS OUTDOOR LIVING AREAS, and RESORT-STYLE BACKYARD, this home delivers the ideal Florida coastal lifestyle with excellent rental potential and everyday livability in one of Pinellas County’s most desirable beach-adjacent areas. This beautifully REMODELED 3-bedroom, 2-bath SOLID BLOCK CONSTRUCTION home offers peace of mind, durability, and modern design throughout. Interior upgrades include PORCELAIN TILE FLOORING, a fully RENOVATED KITCHEN with white cabinetry, QUARTZ COUNTERTOPS, BLACK STAINLESS STEEL APPLIANCES, modern farmhouse sink, RECESSED LIGHTING, and completely UPDATED BATHROOMS. Every detail has been designed with a clean, modern coastal aesthetic that appeals to both full-time residents and vacation guests. A NEW Water Heater has been installed (2026). Step outside to your PRIVATE RESORT-STYLE BACKYARD featuring an EMERALD PEBBLETEC RESURFACED POOL, PORCELAIN TILE POOL DECK, and FULLY FENCED WHITE VINYL PRIVACY FENCE. The outdoor space is ideal for ENTERTAINING, FAMILY GATHERINGS, and HIGH-PERFORMING AIRBNB USE, offering the kind of lifestyle experience vacation renters actively seek in the Indian Rocks Beach area. Prime LOCATION just minutes from INDIAN ROCKS BEACH and SEMINOLE, and only 8 MILES FROM CLEARWATER BEACH. Close to LARGO GOLF COURSE, FLORIDA BOTANICAL GARDENS, PINELLAS TRAIL, shopping, dining, parks, and top local attractions. This is a rare opportunity to own a TURNKEY COASTAL LIFESTYLE HOME with STRONG RENTAL DEMAND, LOW MAINTENANCE FEATURES, and exceptional LONG-TERM INVESTMENT APPEAL.
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The essentials
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$530,000
$323 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,642 sq ft
Time on market
176 days
Year built
1979
Monthly payment
About $3,685/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,867 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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