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In a market filled with recently flipped properties, this home stands apart. Lovingly maintained and continuously improved by the same family for two generations, its value comes not from cosmetic updates alone, but from decades of thoughtful ownership, documented improvements, and investments in quality, durability, and comfort. The recently renovated kitchen features soft-close cabinetry, newer appliances, and an oversized 4' x 6' walk-in pantry, providing exceptional storage and everyday functionality. Throughout the home, updates were selected to enhance long-term livability rather than simply prepare the property for sale. Built for peace of mind, the home features rebar-reinforced concrete block construction, 2024 hurricane-impact-resistant triple-pane Energy Star double-hung windows, roll-up and accordion lockable storm shutters, commercial TPO and metal roof, a 2017 commercial Trane XV20 HVAC system with integrated air purification, and a 2019 electrical panel upgrade. These significant investments provide the kind of infrastructure buyers often wish had been addressed in many renovated homes. As the family's needs evolved over the years, two permitted additions were constructed using premium insulated aluminum panel systems similar to those used in commercial refrigeration applications. Designed for superior temperature control and energy efficiency, these spaces feature upgraded 4-inch insulated roofing that exceeds typical construction standards. The additions have proven exceptionally resilient during Florida storms while helping maintain lower utility costs year-round. Adjacent to the second bedroom, a versatile bonus room offers ideal space for a home office, hobby room, studio, workshop, guest area, or additional storage. The home's flexible layout easily accommodates changing lifestyles, including split-bedroom living, remote work, multigenerational needs, or creative pursuits. One portion of the home has successfully served as an artisan's studio, demonstrating its adaptability and functionality. Additional conveniences include a spacious laundry room, one full bathroom, one half bath, and an outdoor shower perfect for enjoying Florida's lifestyle. Outside, the low-maintenance property has been the setting for countless family gatherings, neighborhood cookouts, and peaceful mornings spent enjoying the birds and wildlife that visit from the nearby nature preserve. Thoughtful features for both family, friends, and pets can be found throughout the indoor and outdoor living areas. Located . 5 mile from the Largo Library, Largo Central Park, and downtown Largo, the home offers convenient access to community events, recreation, dining, and everyday amenities while maintaining the character and charm of an established neighborhood. To provide additional confidence and transparency, the owners are including a comprehensive home manual containing inspection reports, improvement records, permits, appliance documentation, and maintenance information accumulated over years of careful stewardship. This is a rare opportunity to own a home where the value extends far beyond surface appearances. With documented upgrades, quality construction, storm resilience, energy-efficient improvements, and decades of attentive care, this property offers something increasingly difficult to find: a home with a proven history of maintenance, integrity, and pride of ownership.
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Our Executive Mortgage Banker:
Our Insurance Division:
$350,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $280,000 | $280,000 | $280,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.424% | 6.640% | 5.972% |
| Monthly Tax Payment | $0 | $0 | $0 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,701 | $1,768 | $2,325 |
| Total Monthly Payment | $1,776 | $1,843 | $2,400 |
* 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.