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Open house
Saturday, Oct 10 · 11:30 AM to 1:30 PM
About this home
12760 118th St is a 1971-built home in Martin Terrace 1st Add, Largo. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,582 square feet of living space. Listed at $399,990 (about $253/sqft), 142 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
Price Improvement!!! Beautifully renovated and move-in ready, this exceptional 4-bedroom, 3-bath home features paid-off solar panels, NO HOA, and an additional private suite featuring a kitchenette and separate entrance—all just minutes from Indian Rocks Beach. Designed to deliver the flexibility, energy efficiency, and everyday convenience today’s buyers value most, this home offers an exceptional opportunity to enjoy the Florida lifestyle near Gulf beaches, shopping, dining, parks, and everyday conveniences. Step inside to discover a bright, open-concept floor plan where the living, dining, and kitchen areas flow seamlessly together, creating an inviting space for everyday living and entertaining. The beautifully renovated kitchen showcases quartz countertops, modern cabinetry, stainless steel appliances, generous prep space, and contemporary finishes designed for today’s lifestyle. The spacious primary suite offers a peaceful retreat with a beautifully updated bathroom, while the additional bedrooms provide flexibility for family, guests, or work-from-home needs. The additional private suite featuring a kitchenette and separate entrance creates outstanding flexibility for extended family, long-term guests, a private home office, or additional living space, making this home adaptable to a variety of lifestyles. Step outside to enjoy a generously sized backyard with plenty of room to relax, entertain, garden, or personalize your outdoor living experience. An additional workshop/storage area provides valuable space for tools, hobbies, recreational equipment, or seasonal storage. Conveniently located near Gulf beaches, parks, shopping, restaurants, healthcare facilities, schools, and major commuter routes, this home combines comfort, convenience, and long-term value. The paid-off solar panels help reduce monthly energy expenses, while the absence of HOA fees provides added flexibility and peace of mind. Seller is motivated and willing to contribute toward buyer’s closing costs with an acceptable offer. Buyer and buyer’s agent are responsible for independently verifying all measurements, room dimensions, permits, zoning, and intended use of all spaces.
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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
$399,990
$253 per sq ft
Beds and baths
4 beds, 3 baths
Size
1,582 sq ft
Time on market
142 days
Year built
1971
Monthly payment
About $2,301/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $180 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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