14728 BAY DRIVE, Largo, FL, 33774 | $600,000

Just 1. 5 miles from Indian Rocks Beach, this move-in-ready pool home sits on a rare . 38-acre double lot in unincorporated Pinellas County, offering the freedom of no HOA, no CDD fees, and short-term rental potential. Located in an X flood zone, no flood insurance is required. The home offers 1, 494 square feet of comfortable living space with 3 bedrooms, 2 bathrooms, a one-car garage, and a wraparound driveway that provides ample parking. Excellent curb appeal, mature landscaping, and hurricane shutters—including electric shutters on several windows—add both charm and peace of mind. Inside, durable vinyl plank flooring flows throughout much of the home. The spacious family room creates an inviting gathering space, while the kitchen features wood cabinetry, granite countertops, stainless steel appliances, and a bright eat-in dining area. Adjacent to the kitchen, the Florida room is lined with wall-to-wall windows, filling the space with natural light and offering beautiful views of the backyard. A versatile office or bonus room overlooks the pool and backyard through oversized windows, making it ideal for a home office, fitness room, playroom, or additional living space. The primary suite features vinyl plank flooring, a stylish chandelier, and tranquil views of the outdoor living area. The en-suite bath includes a walk-in tiled shower and vanity. Two additional bedrooms also feature vinyl plank flooring and modern chandeliers, while the guest bathroom offers a quartz vanity and a shower/tub combination. Designed for enjoying the Florida lifestyle, the backyard is a private retreat complete with a paver patio and pool deck, saltwater pool, hot tub, and lush mature landscaping. Recent pool updates include a new heater/chiller in 2024 and a new salt cell in 2025. The fully fenced yard includes a gate providing access for boat or RV storage—an increasingly rare feature this close to the Gulf beaches. The one-car garage includes a dedicated laundry area and additional storage space. Conveniently located near shopping, dining, entertainment, and some of Pinellas County's most beautiful beaches, this property offers exceptional flexibility as a primary residence, vacation getaway, or income-producing investment. Large lots, private pools, no deed restrictions, and proximity to the beach make opportunities like this increasingly hard to find. ***FREE 1/0 Rate Buydown when using the seller's preferred lender!***

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 125 x 130
  • Laundry: Laundry Room
  • Year Built: 1957
  • Garage: 1-car Circular Driveway, Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,494
  • Acreage: 0.38
  • Lot Size: 125 x 130
  • Est. Taxes: $8,680
  • View: Pool
  • Elem. School: Oakhurst Elementary-PN
  • Middle School: Seminole Middle-PN
  • High School: Seminole High-PN
  • Pool: Heated, In Ground, Lighting, Salt Water
  • Appliances: Convection Oven, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
  • MLS#: TB8513588
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8513588/14728baydrive_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 5/30/2026 12:17:07 PM)

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14728 BAY DRIVE, Largo, FL, 33774

$600,000

Hailey Kendall

Broker Associate

William Raveis Real Estate

Phone: 727.902.6595

Hailey.Kendall@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 $480,000 $480,000 $480,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $723 $723 $723
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,875 $2,995 $3,954
Total Monthly Payment $3,690 $3,810 $4,769

* 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.