12296 144TH LANE, Largo, FL, 33774 | $579,000

Available fully furnished! Move right in, or use as a plug and play vacation home! This 3-bedroom, 2-bath, 1807 sq ft home is in an incredible location approximately 1 mile from the Gulf Beaches and only a couple of blocks from the Largo Intercoastal Marina; Take a 3-minute stroll to your boat and enjoy the stunning scenery and coastal lifestyle and some of the best beaches in the U. S. ! Two nature preserves within walking distance make this a fishing/boating/watersports/beach lover's dream! Located inside Largo City limits with minimal short-term leasing restrictions, with the option to use it as a vacation rental when not in use by your family (management services available)!

Despite the proximity to the water, the home is high and dry in a non-flood zone, allowing you to avoid the cost and risk associated with flood insurance, has a 50-year metal roof and hurricane clips to even further lower your insurance costs, and has been fully renovated, to include a new outdoor pavilion with custom pergola. The home also features a large (14 x 16) indoor storage room as well as a large (12 x 27) indoor workshop.

KEY FEATURES (as currently furnished): Minutes away from the white sands of Indian Rocks Beach (<1 mile), Beautiful new outdoor pavilion, fire pit, and grill, Walking distance to George C. McGough Nature Park (amazing and free nature reserve), marina, coffee shops, and restaurants, 3 large bedrooms with blackout blinds, including 1 king (with personal TV), 1 queen (with personal TV), and 1 full, 2 full bathrooms w/ showers + one bathtub, New outdoor furniture along with new propane grill, Open-concept kitchen; stainless steel appliances, and large dining area, Comfortable lounge area w/ a large flat-screen Smart TV, Outdoor games (corn hole, bocce ball, football and soccer), Beach supplies (beach towels, chairs, tent), Off-street parking, Indoor Washer & dryer

BEDROOMS & BATHROOMS:
This charming beach house boasts three tastefully decorated bedrooms, each of which is designed for ultimate comfort and relaxation.

The primary suite is a true retreat, featuring a king-sized bed, television, large closet, and blackout curtains for you to sleep and relax as long as you like. The second features a queen-size bed and the third bedroom features a double bed. All rooms have plenty of storage space in the closets.

KITCHEN & LOUNGE:
The home boasts an open-concept kitchen and lounge area, perfect for entertaining and spending time with loved ones. The kitchen is fully equipped with stainless steel appliances, and a table for four to enjoy your morning cup of coffee. A dishwasher makes cleaning up a breeze so you can spend more time at the beach!

The lounge area is a comfortable and inviting space with a plush sofa and a large flat-screen Smart TV. The wall of windows allows for plenty of natural light to flood the space, creating a bright and airy atmosphere. The lounge is the perfect spot to unwind after a day at the beach, watch the big game, or just relax and read a book.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 74 x 103
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Coastal, Ranch
  • Year Built: 1960
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,807
  • Acreage: 0.18
  • Lot Size: 74 x 103
  • Est. Taxes: $7,743
  • Lot Desc: City Lot, Landscaped, Level, Near Golf Course, Near Marina
  • View: City, Garden
  • Elem. School: Anona Elementary-PN
  • Middle School: Seminole Middle-PN
  • High School: Largo High-PN
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator
  • MLS#: TB8496111
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8496111/12296144thlane_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 4/21/2026 11:35:03 AM)
Listing courtesy of COPELAND MORGAN LLC   Phone: 727-235-7988

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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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12296 144TH LANE, Largo, FL, 33774

$579,000

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 $463,200 $463,200 $463,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.304% 5.648%
Monthly Tax Payment $645 $645 $645
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,740 $2,814 $3,754
Total Monthly Payment $3,477 $3,551 $4,491

* 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.