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120 20TH STREET SW, Largo, FL, 33770 | $385,000
This well-maintained 2-bedroom, 2-bath home offers comfort, convenience, and an exceptional location. The property features a spacious two-car garage and has been thoughtfully updated with new windows and doors installed in February 2025, a new roof installed in April 2021, and a new fence added in May 2023—providing peace of mind for years to come. Ideally situated just 1. 5 miles from the Gulf of America, the home places you close to charming beach towns known for vibrant restaurants, diverse shopping, white sandy beaches, and stunning tropical blue waters. Everyday conveniences are equally accessible, with shopping, hospitals, medical facilities, and dining all nearby. Outdoor and recreational amenities abound. Largo Central Park and Taylor Park are close by, along with volleyball courts, skate parks, and dog parks. The Pinellas Trail—a 47-mile multi-use trail stretching from Tarpon Springs to St. Petersburg—offers abundant green space for walking, jogging, biking, and skating. Enjoy easy access to some of Pinellas County’s best restaurants and wine bars, making this home an excellent choice for both relaxed living and an active lifestyle. Whether as a full-time residence, seasonal retreat, Airbnb, or vacation rental, this home truly checks all the boxes. Located in a NO FLOOD ZONE, it offers added peace of mind and long-term value. Adding to the appeal, the new Downtown Largo Entertainment District is just minutes away, providing an ideal destination to gather with friends and family for dining, events, and entertainment. Schedule your showing today!
Features
- Rooms: 4
- Bedrooms: 2
- Baths: 2 full
- Laundry: Inside, Laundry Room
- Year Built: 1972
- Garage: 2-car
- Heating: Electric
- Cooling: Central Air
- Approx Sq. Feet: 1,457
- Acreage: 0.17
- Est. Taxes: $4,781
- Elem. School: Mildred Helms Elementary-PN
- Middle School: Largo Middle-PN
- High School: Largo High-PN
- Pet Policy: Cats OK, Dogs OK
- Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
- MLS#: TB8463740
- Days on Market: 15 days
- Website: https://www.raveis.com
/prop/TB8463740/12020thstreetsw_largo_fl?source=qrflyer
Listing courtesy of Coldwell Banker Realty Phone: 727-581-9411
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
120 20TH STREET SW, Largo, FL, 33770
$385,000
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 | $308,000 | $308,000 | $308,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.875% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.112% | 6.520% | 5.415% |
| Monthly Tax Payment | $398 | $398 | $398 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,701 | $1,822 | $2,456 |
| Total Monthly Payment | $2,174 | $2,295 | $2,929 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388