12196 144TH LANE, Largo, FL, 33774 | $549,900

Under contract-accepting backup offers. Tucked away in one of Largo's best-kept secrets, this charming, corner-lot home offers the perfect blend of location, lifestyle, and peace of mind **NOT LOCATED IN A FLOOD ZONE** (a valuable feature this close to the beach) and no HOA. This 3 bedroom, 2 bathroom home has been meticulously cared for over the years and is ready for it's new owners to enjoy. This home is located approximately 1 mile from Indian Rocks Beach and all the well known shops and restaurants. Grocery stores, pharmacies and a gym are all only minutes from this lovely home offering convienience and easy living. There are two beautiful parks/nature preserves located in the neighborhood approximatly 1/4 mile from this home for the new owners to enjoy. Come home from your walk around the parks and slip into your refreshing pool protected by a screened enclosure for ease of maintenance. Enjoy a suprisingly private back yard thanks to the mature landscaping, the back yard does offer a small parking area perfect for a small boat, jetskis, or utility trailer. Opportunities to own a home in this location don't come available often, schedule a showing for your new home now.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 80 x 103
  • Laundry: In Garage
  • Year Built: 1970
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,452
  • Acreage: 0.19
  • Lot Size: 80 x 103
  • Est. Taxes: $2,039
  • Lot Desc: Corner Lot
  • Pool: In Ground
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8492431
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8492431/12196144thlane_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 4/14/2026 9:17:07 PM)
Listing courtesy of REALTY EXPERTS   Phone: 727-888-1000

William Raveis Family of Services

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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
  • 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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12196 144TH LANE, Largo, FL, 33774

$549,900

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 $439,920 $439,920 $439,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.648%
Monthly Tax Payment $170 $170 $170
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,602 $2,709 $3,565
Total Monthly Payment $2,864 $2,971 $3,827

* 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.