632 SHORE DRIVE, Largo, FL, 33771 | $689,000

Welcome to your own waterfront retreat in Largo, where you can experience the best of Florida waterfront living in this beautifully updated pool home on Allen’s Creek. This home is perfectly positioned in a rare non-flood zone with direct access to Tampa Bay. This move-in ready home offers the perfect combination of modern upgrades, peaceful water views, and the Florida lifestyle buyers dream about, all located in an X flood zone where flood insurance is not required. Numerous recent improvements provide both style and peace of mind, including a new roof (2023), electrical panel (2023), interior remodel (2023), pool and solar pool heater (2023), hot water heater (2022), HVAC system (2018), and seawall (2017). The home also features impact Anderson double-pane windows in most rooms, adding energy efficiency and storm protection. Inside, the home offers a bright and open layout designed for comfortable living and entertaining. Natural light fills the spacious living areas, while the updated interior provides a clean and modern feel throughout. The kitchen features abundant cabinetry, stainless steel appliances, and a charming coffee bar with views of the water, perfect for enjoying morning coffee while watching wildlife along the creek. Sliding glass doors lead to the spacious screened lanai and pool area overlooking the water, creating a relaxing outdoor setting ideal for entertaining, swimming, or simply taking in the peaceful waterfront views. The pool features a solar heating system and a modern app-controlled lighting system that allows you to change the pool lights to a wide array of colors, creating the perfect atmosphere for evening swims or waterfront gatherings. Outdoor enthusiasts will love the direct access to Allen’s Creek, which winds through more than 11 miles of scenic waterways and leads to the open waters of Tampa Bay. Kayaking, paddle boarding, fishing, and boating are right outside your door, with dolphins, manatees, and a variety of birds frequently seen along the creek. The home features two spacious bedrooms, including a primary suite with water views, multiple closets including a walk-in, and an en-suite bath. A second large bedroom and full bathroom provide comfortable space for guests or family. Located in a convenient Largo neighborhood, this home is just minutes from award-winning Gulf beaches, Eagle Lake Park, Largo Central Park, the Largo Community Center, Highland Recreation Complex, shopping, dining, and everyday amenities. Waterfront homes in a non-flood zone are rare, making this a unique opportunity to enjoy waterfront living without the added cost of required flood insurance.

Features

  • Rooms: 5
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 65 x 120
  • Laundry: In Garage
  • Year Built: 1965
  • Garage: 1-car Driveway, Garage Door Opener, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,199
  • Acreage: 0.18
  • Lot Size: 65 x 120
  • Est. Taxes: $6,056
  • Lot Desc: City Lot, In County, Landscaped, Sidewalk
  • View: Water
  • Elem. School: Belcher Elementary-PN
  • Middle School: Largo Middle-PN
  • High School: Largo High-PN
  • Pool: Deck, Gunite, In Ground, Salt Water, Solar Heat
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8483210
  • Days on Market: 10 days
  • Website: https://www.raveis.com
    /prop/TB8483210/632shoredrive_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 3/17/2026 10:02:08 AM)
Listing courtesy of HOFACKER & ASSOCIATES INC   Phone: 727-527-7373

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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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632 SHORE DRIVE, Largo, FL, 33771

$689,000

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 $551,200 $551,200 $551,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.296% 6.406% 5.668%
Monthly Tax Payment $505 $505 $505
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,217 $3,394 $4,467
Total Monthly Payment $3,814 $3,991 $5,064

* 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.