778 ROYAL PALM CIRCLE, Largo, FL, 33778 | $174,000

Palm Hill Country Club is a renowned 55+ community that draws residents seeking an active and fulfilling lifestyle. The current maintenance fee of $554. 00 per month covers water, sewer, garbage, cable, and internet. A wealth of amenities awaits, including golf, swimming pools, a Jacuzzi, tennis courts, shuffleboard, billiards, a pickleball court, and horseshoes. Whether you prefer an action-packed schedule or quiet relaxation, the choice is yours!
INTERIOR:
Enter this beautifully updated two-bedroom, two-bathroom home covering nearly 1, 300 square feet. Designed for comfort and style, this fully furnished residence is move-in ready with fresh paint, modern light fixtures, and ceiling fans. Throughout the home, vinyl plank flooring adds a touch of sophistication, while laminate flooring in the bedrooms creates a warm and inviting atmosphere. The central heat and air system maintain a pleasant atmosphere throughout the year , while new windows across the front of the home bathe the space in natural light. As you enter, a cozy seating area flows seamlessly into a dining area which showcases elegant furniture, including a built-in hutch with plentiful storage for treasured collections and extra dinnerware. Moving on you’ll find an expansive bright and open living area that enhances the airy, contemporary feel, making it ideal for entertaining or relaxing. Just beyond, the well-appointed kitchen is a culinary haven, complete with an island perfect for meal prep or casual dining. A stylish backsplash complements the appliances, which include a refrigerator, range, oven, dishwasher, disposal, ice maker, and microwave. Retreat to the impressive primary bedroom featuring two closets—one of which is a spacious walk-in. A charming alcove with a grooming table starts off the ensuite bath, which offers a generous vanity and a new walk-in shower. The second bedroom provides a welcoming retreat for guests, paired with an ideally located bath featuring a tub and shower combination.
Exterior:
Positioned on a large corner lot, this home delivers outstanding curb appeal with carefully designed landscaping, pavers, and a vinyl siding exterior. An inviting lowered entertainment area provides the perfect setting for morning coffee or after dinner drinks. A spacious shed houses a washer and dryer, providing the convenience of on-site laundry and eliminating the need for trips to a laundromat, while the side-by-side carport and designated golf cart parking add handiness. A newly replaced roof (2025) with warranty coverage ensures peace of mind for years to come. Priced at $174, 000, including the share— this home can be your forever home in a spectacular community. Don’t miss your chance to make it yours!

Features

  • Amenities: Cable TV, Clubhouse, Golf Course, Laundry, Pickleball Court(s), Pool, Recreation Facilities, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s)
  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Other
  • Year Built: 1980
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,296
  • Est. Taxes: $1,412
  • HOA Fee: $554 Monthly
  • Lot Desc: Sidewalk
  • Adult Communities: Yes
  • Pet Policy: No
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8363609
  • Days on Market: 194 days
  • Website: https://www.raveis.com
    /prop/TB8363609/778royalpalmcircle_largo_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 12/8/2025 1:56:45 AM)
Listing courtesy of SELECT REAL ESTATE OF PINELLAS   Phone: 727-584-3588

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
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778 ROYAL PALM CIRCLE, Largo, FL, 33778

$174,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $139,200 $139,200 $139,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.521% 6.304% 5.648%
Monthly Tax Payment $118 $118 $118
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $812 $846 $1,128
Total Monthly Payment $1,005 $1,039 $1,321

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.