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Overview

3 bd2 ba1,962 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1986
Lot8,725 sqft
Living area1,962 sqft
Price / sqft$270
Garage2 car

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

About this home

Ceiling Fans(s)Private YardMicrowaveRangeRefrigerator

12543 108th St is a 1986-built home in Whispering Pines Manor, Largo. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,962 square feet of living space. Listed at $529,900 (about $270/sqft), 80 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

This is what Florida living feels like — warm evenings beside a private inground pool, the covered lanai catching the last of the afternoon breeze, and the Gulf beaches sitting just minutes from your front door. Whispering Pines Manor delivers that lifestyle with nothing standing in the way — no HOA fees, no CDD assessments, and a home that is truly move-in ready with zero work needed from day one. Unpack, settle in, and walk straight out to the water. The outdoor space anchors everything — a shaded lanai for slow mornings with coffee, open pool deck for sun-soaked afternoons, and enough yard to make it your own. No renovations on the horizon, no contractor calls to make — just a home that is ready for you exactly as it stands. Drive ten minutes in any direction and you hit the Gulf coast — beaches, waterfront dining, and everything the Largo area offers. No fees eating into your budget, no projects waiting on your list — just the Florida life, ready to live. Homes like this move fast. Call before it's gone.

The essentials

Built
1986
Price / sqft
$270
On market
80 days
Annual tax
$2,628
Flood zone
X · Low risk
Lot
8,725 sqft
Type
Single Family Residence

At a glance

Single family
Built 1986
Private pool
In Ground
2 car garage
8,725 sqft lot
Lot size
1,962 sqft
Living area

Payment

Est. monthly payment
$3,248/mo
Down payment (20%)
$105,980
Property taxes
$219/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1986
Lot
8,725 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground
Days on Market
80
Ceiling Fans(s)
Private Yard
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,628
Parcel #
10-30-15-97062-000-0160

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
Whispering Pines Manor
County
Pinellas
MLS Area
33778 - Largo/Seminole
Lot Size
8,725 sqft

Price history

Date
Event
Price
10/8/2026
Price change
Source: Stellar MLS #TB8532438
$529,900-1.9%
$270/sqft
-
Price change
Source: Stellar MLS #TB8532438
$539,900-0.9%
$275/sqft
7/24/2026
Listed for sale
Source: Stellar MLS #TB8532438
$544,900
$278/sqft

Neighborhood

12543 108th St
Largo, FL, 33778 · 33778 - Largo/Seminole

Market insights

Offer Insights

Choose an offer strength

List price: $529,900
$520,000 – $529,900
98.1% – 100% of listTops out right at the list price
80% of listList price
43 of the last 84 home closings in 33778 landed at this number or higher (51%). The median one sat 41 days before it went under contract, and this one is on day 80 after a $15,000 cut.

Sample: 84 closed home sales in 33778 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,248/mo
Principal & interest$2,764
Property taxes$219
Insurance$265
Down payment20% · $105,980
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

$529,900

$270 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,962 sq ft

Time on market

80 days

Year built

1986

Monthly payment

About $3,248/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,628 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 byLPT REALTY, LLCListing agent: Jatnna JimenezListing data from Stellar MLS, MLS# TB8532438.

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