2139 20th Ave SW, photo 1
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Overview

3 bd2 ba1,746 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot8,063 sqft
Living area1,746 sqft
Price / sqft$324
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
GULF TERRACE
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

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11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Living Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorDishwasherDisposal

2139 20th Ave SW is a 2026-built home in Gulf Terrace, Largo. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,746 square feet of living space. Listed at $564,900 (about $324/sqft), 108 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

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.

The essentials

Built
2026
Price / sqft
$324
On market
108 days
Annual tax
$380
Flood zone
X · Low risk
Lot
8,063 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
8,063 sqft lot
Lot size
1,746 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$3,260/mo
Down payment (20%)
$112,980
Property taxes
$32/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
8,063 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
108
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Dishwasher
Disposal
Flood Zone X
Annual Tax (2025)
$380
Parcel #
04-30-15-34524-000-0780

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

Subdivision
Gulf Terrace
County
Pinellas
MLS Area
33774 - Largo
Lot Size
8,063 sqft
In CountyStreet Dead-EndUnincorporated

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #TB8523980
$564,900-4.2%
$324/sqft
6/29/2026
Listed for sale
Source: Stellar MLS #TB8523980
$589,900
$338/sqft

Neighborhood

2139 20th Ave SW
Largo, FL, 33774 · 33774 - Largo

Market insights

Offer Insights

Choose an offer strength

List price: $564,900
$555,000 – $564,900
98.6% – 100% of listTops out right at the list price
80% of listList price
52 of the last 103 home closings in 33774 landed at this number or higher (50%). The median one sat 29 days before it went under contract, and this one is on day 108 after a $25,000 cut.

Sample: 103 closed home sales in 33774 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,260/mo
Principal & interest$2,946
Property taxes$32
Insurance$282
Down payment20% · $112,980
Interest rate6.80%
Loan term

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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

$564,900

$324 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,746 sq ft

Time on market

108 days

Year built

2026

Monthly payment

About $3,260/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $380 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.

Offer

What should I offer?

Have another question?

Brokered byCOMPASS FLORIDA LLCListing agent: Josh TaylorListing data from Stellar MLS, MLS# TB8523980.

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