529 Needle Palm Street, Largo, FL 33778
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 6, 2026, 529 Needle Palm Street in Largo is listed at $122,500 (888 sq ft, about $138 per sq ft). It came to market within the past week. Listing facts: built in 1978, HOA dues of $595/mo. 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 1978 · 48 yrs
- 888 sq ft of living area
- Active listing
- HOA $595/mo (per listing)
About this home
Experience the quintessential Florida lifestyle in Palm Hill Country Club, a premier, highly active 55+ community designed for those who want to live life to the fullest. Here, your days can be as relaxing or as energized as you choose, with an impressive lineup of amenities including a 9-hole golf course, three sparkling swimming pools, two soothing hot tubs, and active tennis and pickleball courts. A bustling calendar of planned social activities and community events guarantees a vibrant neighborly atmosphere year-round.
Total peace of mind is built right in, as the $595 monthly maintenance fee comprehensively covers your water, sewer, lawn care, garbage, and cable. When you venture outside the community, the best of the Gulf Coast is practically at your doorstep. You are just minutes away from exploring the scenic Pinellas Trail, boating, or soaking up the sun on world-renowned sandy Gulf beaches.
Plus, with both St. Pete-Clearwater International Airport and Tampa International Airport within easy reach, welcoming family or jetting off on a vacation is completely effortless. Whether you are searching for a dynamic full-time residence or a sun-drenched seasonal getaway.
INTERIOR:Step inside to find a seamless open-concept layout featuring high end luxury vinyl flooring built over new plywood subfloors, fresh paint, and stylish drywall, beadboard, and paneled accents. The stunning kitchen (2026) is a chef's dream, boasting brand new cabinetry, sleek countertops, and a full stainless-steel appliance package (refrigerator with ice/water dispenser, range, dishwasher, microwave, and disposal). The kitchen flows effortlessly into the dining area and a generous living room, anchored by an eye-catching designer focal wall.
Need extra room? A bonus room being roughly 100 sq ft just off the living room offers the perfect flexible space for a home office, hobby room, or cozy den. Retreat to the spacious primary suite, which easily accommodates a king-size bed and features a walk-in closet alongside a private en-suite bath with a new vanity and glass-enclosed walk-in shower.
The nicely sized guest bedroom includes plantation-shutter-style closet doors and sits adjacent to a beautifully refreshed guest bath complete with a new vanity, modern lighting, and a tub/shower combo with a newly tiled ceramic surround. Upgraded with newer windows, brand-new ceiling fans, and recessed lighting throughout, this extensively modernized home is completely move-in ready! EXTERIOR:From the moment you arrive, this residence commands attention with undeniable curb appeal, showcasing crisp vinyl siding, elegant awnings, and updated exterior doors that warmly welcome you inside.
Built for effortless comfort and peace of mind, the property boasts a durable roof-over, a reliable heat pump AC unit, and a newly installed vapor barrier underneath. Outdoor living is truly where this home shines. Step onto the expansive screened porch (2019) to admire designer flooring that extends seamlessly to the driveway, creating the perfect shaded sanctuary for morning coffee or evening breezes.
Out back, unwind on the private rear patio framed by plush grass, and take advantage of the spacious utility shed equipped with a washer and dryer (2021). Priced competitively at just $122,500 including the share, this move-in-ready retreat offers exceptional value, pride of ownership, and easy coastal living. Opportunities of this caliber rarely linger—schedule your private tour today.
All 6 photos
Description provided by SELECT REAL ESTATE OF PINELLAS and reproduced from the MLS; not independently verified.
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.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
Estimated monthly payment
- Principal & interest $671/mo 47%
- Taxes $107/mo 7%
- Insurance $66/mo 5%
- HOA $595/mo 41%
$1,439/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
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.
Pinellas County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for Pinellas County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM market
How this home is priced against recent nearby sales, and where ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 1978BuiltPer public record
- Oct 6, 2026First seen on movewithmomentum.comObserved at $122,500
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Price & listing history
Building permits
Comparable recent sales
Only 1 closed sale within about 10 miles in Pinellas County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Pinellas County in the last 18 months. Only 1 qualifies for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 888 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 6, 2026.
The Momentum read
42% of homes in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM are owner-occupied. An estimated 58% are non-owner-occupied, including 23% held in a company or trust and 20% 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), 107 homes matched. Community-level context.
What’s unique here: one of only 1157 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 October 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by SELECT REAL ESTATE OF PINELLAS · MLS # TB8555712
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More on Pinellas County
Explore Pinellas County
Browse market data, schools, taxes, and homes for sale across the county.
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.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Groceries, dining, and parks for this city — see the city guide.
View →Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
Buyer research checklist
Items worth confirming for 529 Needle Palm Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1978 (48 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $595/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- 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 888 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 $1,286/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 6, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in Pinellas County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Typical county effective rate applied to the list price; an estimate, not a bill |
| 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 529 Needle Palm Street and when was it built?
Per the listing record, 529 Needle Palm Street was built in 1978 and has 888 sq ft of living area, 2 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 529 Needle Palm Street in?
529 Needle Palm Street is in Largo, Pinellas County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 529 Needle Palm Street have an HOA, and how much are the dues?
The listing reports HOA dues of $595 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 529 Needle Palm Street differ from the current owner's?
The estimate on this page (about $1,286 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 529 Needle Palm 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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.
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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.