12620 138TH STREET, LARGO, FL 33774
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 6, 2026, 12620 138Th Street in Grove Lake Manor, Largo is listed at $625,000 (1,526 sq ft, about $410 per sq ft). That sits within a few percent of Grove Lake Manor's median closed sale of $625,000 over the last 12 months (1 recorded sales). It has been 43 days on market. Listing facts: built in 1964, no HOA. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1964 · 62 yrs
- 1,526 sq ft of living area
- 2-car garage
- 43 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1964BuiltPer public record
- Aug 4, 2026First trackedObserved at $645,000
- Aug 7, 2026Price cut$625,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $3,230/mo 78%
- Taxes $547/mo 13%
- Insurance $339/mo 8%
- HOA $50/mo 1%
$4,166/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $410 per square foot, about in line with the community’s $410 median. ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM’s 12-month median sold price per square foot is $410. Confidence: Low · 1 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
46% of homes in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM are owner-occupied. An estimated 54% are non-owner-occupied, including 20% held in a company or trust and 22% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 583 homes matched. Community-level context.
What’s unique here: one of only 5292 active listings in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Completely renovated, truly turnkey, and showcasing over $159,000 in recent upgrades completed in 2024 and 2025, this immaculate 3-bedroom, 2-bath home delivers modern coastal living with exceptional style, comfort, and peace of mind. Situated on a rare double-sized corner lot, the property offers outstanding privacy, expansive outdoor space, and the flexibility to add a custom pool while still preserving a generous yard. At the heart of the home is a stunning 2025 kitchen renovation, thoughtfully designed with shaker cabinetry, stunning quartzite countertops, a designer tile backsplash, farmhouse sink, and a full suite of new GE stainless steel appliances including a wall oven, cooktop, microwave, and refrigerator.
The kitchen flows seamlessly into the main living areas, creating an open, airy layout ideal for entertaining and everyday living. The interior is light-filled and coastal-inspired, with ceramic wood plank-style flooring throughout, crown molding, recessed LED lighting, fresh neutral paint, and updated finishes that create a cohesive, modern aesthetic. The open-concept living and dining spaces connect effortlessly, offering a warm and inviting atmosphere with abundant natural light throughout.
All major systems have been thoughtfully updated for long-term peace of mind, including a new roof (2024), LG HVAC system with all-new ductwork and smart thermostat (2025), updated electrical work, new exterior doors, Ring camera wiring, WiFi-enabled garage door opener with integrated camera controls, and upgraded fixtures throughout the home. The spacious primary suite provides a private retreat featuring an ensuite bathroom and large walk-in closet. Both bathrooms have been fully renovated with custom tile showers, sleek glass enclosures, and marble vanities complemented by upgraded plumbing fixtures and modern finishes.
Exterior improvements enhance both beauty and functionality, including fresh exterior paint, new fencing, upgraded landscaping, gutters, Rain Bird irrigation system, and a paver patio designed for outdoor entertaining. The oversized corner lot is a rare find in this coastal location, offering ample space to create the ultimate backyard oasis with a pool, outdoor kitchen, or expanded entertaining areas. Additional highlights include a 2-car garage, washer and dryer, generator hookup, RV/Boating parking —perfect for enjoying the neighborhood lifestyle with ease and convenience.
Located in the heart of Largo, this exceptional property is just one mile from the Gulf of Mexico, where residents enjoy award-winning powder-soft beaches, warm Gulf waters, and stunning sunsets. Nearby you’ll find waterfront dining, parks, shopping, and entertainment, while Tampa International Airport is an easy and convenient drive for both business and leisure travel. Short-term rentals are permitted, making this an outstanding opportunity for a primary residence, vacation home, or income-producing investment property.
The home is also available fully furnished if desired, allowing for immediate move-in or turnkey rental readiness. With its rare combination of extensive renovations, oversized corner lot, pool-ready yard, coastal location, and flexible rental potential, this property stands out as one of the most compelling opportunities on Florida’s Gulf Coast. NOTE: The 2025 6 person Icon Golf cart is available for sale.
Description provided by FLORIDA DRIVEN REAL ESTATE and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $625,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1964 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- 4937 active listings competing, 1221 under contract
For reference, this home is listed at $625,000 ($410/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,526 sq ft × $361–$459/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Similar homes for sale near GROVE LAKE MANOR
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by FLORIDA DRIVEN REAL ESTATE · MLS # TB8526002
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Recent sales activity in GROVE LAKE MANOR
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the GROVE LAKE MANOR neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on GROVE LAKE MANOR
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the GROVE LAKE MANOR guide → · Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 12620 138Th Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1964 (62 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Listed living area is 1,526 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $6,562/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 6, 2026) |
| Community market stats | Stellar MLS closed sales, as of July 15, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 12620 138Th Street and when was it built?
Per the listing record, 12620 138Th Street was built in 1964 and has 1,526 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12620 138Th Street in?
12620 138Th Street is in Grove Lake Manor in Largo, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Grove Lake Manor from the same MLS data.
Does 12620 138Th Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 12620 138Th Street differ from the current owner's?
The estimate on this page (about $6,562 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 12620 138Th Street in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.