10975 96TH STREET, Largo, FL, 33773 | $549,999

Under contract-accepting backup offers. Backs to a PRIVATE Reserve—the kind of Backyard you can’t replicate. No Rear Neighbors, Pool & Heated Spa, Tropical Landscape, No HOA, and NO Flood Insurance.

Tucked away on a quiet cul-de-sac in unincorporated Largo, this 3-Bedroom, 2-Bath 2 Car Garage Tropical Pool Home delivers the Privacy, Flexibility, and Peace of Mind buyers are actively searching for. Whether you’re looking for a Primary Residence, Second Home, or Income-Producing Rental, this property offers rare versatility in sought-after Wieker Estates near Lake Seminole. The neighborhood is one the best for active lifestyles with updated sidewalks, large streets and beautiful wooded scenery, you will see your neighbors out on bicycles, with their pets or working on their fitness goals!

Inside, the split floor plan offers both privacy and functionality, with multiple living areas and a layout that feels open, connected, and larger than expected with vaulted ceilings, formal dining, open layout and fireplace with beautiful stone front. The main living space flows easily to the outdoor area, creating the indoor-outdoor lifestyle Florida buyers are searching for. Thoughtful 2024 updates include Ceramic Tile flooring and Remodeled Bathrooms, making this home truly Move In Ready!

Major systems are already handled: Roof (2020) & Flat Roof 2025, HVAC (2023), and Pool Pump and Heater (2023)—a major advantage in today’s insurance-conscious market.

Step outside to your private backyard retreat—screen-enclosed extra large pool (bigger than typical Florida pool) and lush tropical landscaping—all backing to a serene wooded green space with no rear neighbors. It’s built for entertaining or relaxing!

The primary suite includes private access to the pool, a large walk-in closet, and a split-bath layout with a separate vanity and private shower space for added comfort and functionality.

Prime Location just 10-15 minutes to Gulf beaches (Indian Rocks, Reddington Shores or Madeira Beach), Bardmoor Shopping (Publix) Plaza & Restaurants less than . 5 mile, Seminole City Center or Largo Mall both 5 -10 minutes away, and jump onto the new expressway off of Bryan Dairy 25 minutes to Tampa Airport or Downtown St. Pete!

If you’ve been waiting for unincorporated Largo pool home with Real Privacy, No HOA Restrictions, No Flood Insurance & Incredible Location. A rare combination of privacy, location, and livability, homes like this don’t come around often.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 72 x 139
  • Laundry: Inside
  • Year Built: 1985
  • Garage: 2-car Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,649
  • Acreage: 0.22
  • Lot Size: 72 x 139
  • Est. Taxes: $8,948
  • Lot Desc: Cul-De-Sac, Landscaped, Level, Sidewalk, Street Dead-End, Unincorporated
  • View: Trees/Woods
  • Elem. School: Starkey Elementary-PN
  • Middle School: Osceola Middle-PN
  • High School: Pinellas Park High-PN
  • Pool: Heated, In Ground, Salt Water, Screen Enclosure
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8428705
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /prop/TB8428705/1097596thstreet_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 5/4/2026 5:47:07 PM)

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.

Toni-Ann VittoriaLuxury Properties Specialist / Sales VP

203.984.1507

ToniAnn.Vittoria@Raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

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To learn more about our credentials, visit raveis.com today.

Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69957

914.260.5535

Mace.Rattet@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

Francine SilbermanVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 69244

914.260.2006

Francine.Silberman@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

Alex FerroInsurance Sales Director, William Raveis Insurance

203.610.1536

Alex.Ferro@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

10975 96TH STREET, Largo, FL, 33773

$549,999

Toni-Ann Vittoria

Luxury Properties Specialist / Sales VP

William Raveis Real Estate

Phone: 203.984.1507

ToniAnn.Vittoria@Raveis.com

Mace L. Rattet

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.5535

Mace.Rattet@raveis.com

NMLS Mortgage Loan Originator ID 69957

Francine Silberman

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 914.260.2006

Francine.Silberman@raveis.com

NMLS Mortgage Loan Originator ID 69244

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $439,999 $439,999 $439,999
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.490%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.374% 6.524% 5.373%
Monthly Tax Payment $746 $746 $746
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,638 $2,745 $3,593
Total Monthly Payment $3,476 $3,583 $4,431

* 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.