Blue Water Cove
Homes for Sale in Largo, FL
All 566 homes for sale in Largo, FL · median $299,000 · 81 homes for sale in 33773 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Blue Water Cove in Largo, FL has 1 home for sale. Homes listed or recently sold were built 1980 - 1983; 2 of the 8 geocoded homes sit in a FEMA special flood hazard zone (median elevation 8 ft).
Last 30 days in Blue Water Cove: 1 new listing (median asking $529,900). As of November 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Price in Blue Water Cove is driven by condition and lot, not by a uniform product. With a build range stretching from 1935 to 2018 and a median year built of 1981, you are buying into a mix of older cottages and newer infill, and the spread between a dated original and an updated home is wide. The median sits at $484,250, or roughly $260 per square foot on a median footprint around 1,520 square feet, but that single number hides a lot of variation you only resolve by walking the house.
The current posture is slow and soft. Median days on market is about 90, roughly three times the pace of a hot market, and year-over-year is off 2.3%. Right now there are zero active listings, so the practical question is less about competing buyers and more about what actually comes available. Sellers should price to the market, not to last year; buyers should expect time to think and room to negotiate on homes that need work.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Blue Water Cove right now
🟡 Off the recent peak. The trailing-12-month median ($484K) is down 2.3% from the prior 12 months ($496K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Medium (6 and 7 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Nearby homes for sale
No active listings inside Blue Water Cove right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Blue Water Cove market snapshot (as of September 20, 2026): the median sale price is about $484K ($260 per sq ft over the trailing 12 months of closed sales), and a median 91 days on market for closed sales. The trailing-12-month median is down 2% from the prior 12 months, computed from record-level Stellar MLS closed sales (6 closings in the current window).
In ZIP 33773 (Largo), 48 homes closed in the last 12 months at a median of $362K ($280/sq ft), down 10.9% year over year, with a median 45 days on market. Right now 24 active and 5 pending listings put supply at about 6.0 months - a buyer's market. See the live ZIP 33773 housing market and the Pinellas County market.
County records show 5 qualified sales in Blue Water Cove across 2024 - 2025 (3 in 2024, 2 in 2025), median $495,500 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Blue Water Cove is a community of 131 homes in Largo, Pinellas County, built between 1935 and 2018 (median 1981), with a median living area of about 1,520 square feet. 81% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Blue Water Cove is a small, established pocket of 131 homes in Largo, Pinellas County, with no identified community amenities - the value here is the location and the house itself, not a shared facility set.
The setting & the homes.
Aerial and on-site photos of Blue Water Cove. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Blue Water CovePhotos from Stellar MLS listings in Blue Water Cove; content deemed reliable but not guaranteed.
Who Blue Water Cove is best for.
Best for
- Buying to hold in an established, owner-occupied-heavy pocket of Largo
- Buyers comfortable judging a home on condition and systems rather than a list price
- Buyers who can wait for the right listing in a thin-inventory market
Probably not for
- Needing a quick close or a fast resale
- Looking for shared community amenities, since none are identified here
- Wanting new or near-new construction as the norm rather than the exception
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($484K) IS the median in the snapshot above, and the move from 2025 ($496K) IS the -2.3% one-year change.
Windows contain 0 to 7 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Deemed reliable but not guaranteed.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
16% of homes for sale in ZIP 33773 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-11-13).
Blue Water Cove Market Scorecard
Blue Water Cove is currently a balanced market., and homes go under contract in about 1 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Blue Water Cove
Live MLS inventory for Blue Water Cove. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Blue Water Cove listings as of 2026-11-02, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Tap any home to ask about it.
Blue Water Cove on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Pinellas County Public Schools (verify by address) · Public
- Confirm zoned elementary, middle, and high · By address
- Magnet and choice options may apply · Choice
Zoned schools reflect the assignments reported on recent Blue Water Cove listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Blue Water Cove address.
The Blue Water Cove buying strategy.
If we were buying in Blue Water Cove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Blue Water Cove.
A condition-driven market, not a spec one
With homes dating back as far as 1935 and as recent as 2018, this is not a subdivision where one floor plan sets the comp. The median year built of 1981 tells you most of the stock predates current construction standards, so renovation status, systems, and lot quality do the heavy lifting on price. The median living area of about 1,520 square feet points to modest, right-sized homes rather than sprawling floor plans.
A homestead share near 81% suggests most owners occupy their homes, which tends to mean slower, more deliberate turnover and fewer listings at any given moment. Combined with the long median days on market, that argues for patience on both sides: inventory is thin, and the homes that do sell are the ones priced honestly for their condition.
The location and the amenities are priced into every listing in Blue Water Cove. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Blue Water Cove buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.7). Basis: Recent Direction -2.3% year-over-year; Owner Commitment 81% owner-occupied; Pricing Power 90.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this thin and this condition-sensitive, a median number will mislead you if you lean on it alone. We underwrite each home on its own terms - age, systems, updates, and lot - and we track the few closings that happen rather than guessing from stale data. With no active listings right now, our job is often knowing what is coming before it posts.
Blue Water Cove in 15 seconds.
Tools for a Blue Water Cove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Blue Water Cove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Blue Water Cove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Blue Water Cove home worth?
Get a no-obligation home value based on real comparable sales in Blue Water Cove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Largo →
| Location | Largo, Pinellas County, FL · ZIP 33773 |
|---|---|
| Homes in the community | 81 (FL DOR 2025 assessment roll) |
| Years built | 1935–2006 (median 1984) |
| Typical living area | 1,520 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Security System |
| For sale right now | 1 active, 0 pending · median asking $529,900 · 1.7 months of supply |
| Owner-occupied (homestead) share | 85% |
| Zoned public schools | Pinellas County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Blue Water Cove key facts,” movewithmomentum.com/neighborhoods/blue-water-cove, data as of November 13, 2026.
Housing distress & ownership in Blue Water Cove, Largo
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Blue Water Cove Right Now (1)
All 1 active and pending Blue Water Cove listings with a detail page, newest first, refreshed twice a day from the MLS.
- 12805 98th Street · $529,900 · 4 bd / 2 ba · listed Oct 26, 2026 · listed by Charles Rutenberg Realty Inc
Recently sold in Blue Water Cove
- 12619 98Th Street · sold $530,000
- 12762 98Th Street · sold $520,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Largo home searches
- All homes for sale in Largo, FL
- Homes for sale in Pinellas County, FL
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- Largo home values: what is my house worth?
Largo guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
- New construction (Pinellas County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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Email me new listings in Blue Water Cove
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Blue Water Cove
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Blue Water Cove will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Blue Water Cove?
How long do homes in Blue Water Cove take to sell?
How many homes are in Blue Water Cove?
What share of Blue Water Cove is owner-occupied?
When were the homes in Blue Water Cove built?
What schools serve Blue Water Cove?
Who is the best real estate agent for Blue Water Cove?
How do I find a top Largo real estate agent who knows Blue Water Cove?
Can Momentum Realty connect me with an agent for Blue Water Cove?
Where is Blue Water Cove, and what county is it in?
Is Blue Water Cove a good place to live?
Should you buy in Blue Water Cove?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 2, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 33773)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2005 (39 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.
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See how Blue Water Cove fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Blue Water Cove
- Home values · What homes in Blue Water Cove actually sell for