12760 INDIAN ROCKS ROAD, #119, Largo, FL, 33774 | $199,000

Welcome to resort-style coastal living in this beautifully updated, TURN KEY + FURNISHED top-floor 2-bedroom, 2-bath condo offering elevator access and over 1, 300 sq. ft. of comfortable, fully furnished living space in one of Largo’s most desirable gated waterfront communities. This rare, larger floor plan features a split layout for privacy, a spacious living and dining area, a renovated kitchen with solid-surface counters and stainless appliances, new floors, remodeled bathrooms, all replaced hurricane-rated windows and sliders with custom shades. Both bedrooms are oversized with massive walk-in closets, and the private screened balcony—with access from the living room and primary bedroom—was fully redone and offers peaceful, tropical views. The home also includes a new AC, hot water tank, in-unit laundry, and a designated parking space with plenty of guest parking. The all-inclusive condo fee covers water, sewer, trash, internet, and cable, making this an effortless, low-maintenance choice. The community sits directly on the Intracoastal Waterway and offers two pools, a hot tub, a fitness center, tennis courts, shuffleboard, a kayak launch, fishing areas, elevators, lush tropical landscaping, and a large green space with picnic tables and loungers. Residents also enjoy a clubhouse with activities year-round and a private entrance to Bonner Park. The convenient location places you just minutes from shopping, restaurants, coffee shops, and everyday amenities, and only five minutes across the bridge to the beautiful sands of Indian Rocks Beach. With low taxes, affordable insurance, and no HOA increase next year, this condo is an ideal winter escape, vacation home, or full-time residence. The property is also close to airports, hospitals, and scenic areas perfect for biking, walking, or watching sunsets along the Gulf. Paradise truly awaits.

Features

  • Elevator: Y
  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 1
  • Amenities: Cable TV, Clubhouse, Elevator(s), Fitness Center, Gated, Maintenance, Pool, Racquetball, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s)
  • Rooms: 4
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Complex: NEW ATLANTIS CLUB CONDO
  • Year Built: 1972
  • Approx Sq. Feet: 1,304
  • Est. Taxes: $3,997
  • Condo Fee: $1,042 Monthly
  • View: City, Garden, Trees/Woods
  • Pet Policy: No
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8450269
  • Days on Market: 127 days
  • Website: https://www.raveis.com
    /prop/TB8450269/12760indianrocksroad_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 5/30/2026 3:06:59 PM)
Listing courtesy of Compass Florida LLC   Phone: 305-851-2820

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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

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12760 INDIAN ROCKS ROAD, #119, Largo, FL, 33774

$199,000

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 $159,200 $159,200 $159,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $333 $333 $333
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $953 $993 $1,311
Total Monthly Payment $1,361 $1,401 $1,719

* 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.