Deerwood Gardens in Largo

Deerwood Gardens Homes for Sale in Largo, FL

Built about 1975 to 1994 · Pinellas County · ZIP 33778

An established, affordable condominium community in the Seminole area of Largo, built across the 1970s to 1990s, with a land lease that defines the diligence here.

Affordable Largo condosPool, tennis & shuffleboardLand lease community
Live Market Pulse
51/100
Momentum
Buyer-Leaning Market
Deerwood Gardens is a condominium community, so the read is the land lease, the monthly fee and what it bundles, the reserves on older buildings, and the flood and insurance picture per building and per unit, not a single community average.
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Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseStellar MLS
$165K
Median Price
24mo
Supply
54days
Avg DOM
Soft
Seller Leverage
$173/sf
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Deerwood Gardens is an established, affordable condominium community in Largo near Seminole, built in phases from about 1975 to 1994, with compact pet-friendly units of roughly 623 to about 1,010 square feet around a pool, a recreation building, tennis courts, and shuffleboard, about ten minutes from the Pinellas beaches. The single most important thing to understand here is the land lease: the homeowner owns the unit but leases the land underneath it. That structure can change everything about financing, monthly cost, and resale, because many lenders will not finance a leased-land condo, the land-lease fee is bundled into the monthly maintenance and can escalate, and the remaining lease term affects what a future buyer can do. The reported monthly maintenance fee of roughly $398 to $564 covers a lot, basic cable, building and flood insurance, water and sewer, pest control, escrows, landscaping, and the land-lease fee, but that bundling is exactly why you have to read the lease and the budget line by line. Layer in 1970s and 1980s buildings under Florida's newer condo-reserve law and a coastal Pinellas flood read, and the verdict is simple: the lease, the reserves, and the insurability decide value here far more than the finishes."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Deerwood Gardens market snapshot (as of June 25, 2026): the median sale price is about $165K ($173 per sq ft), with homes averaging 54 days on market and 24.0 months of supply, a buyer-leaning market. Based on 2 recent closings in live Stellar MLS data.

Deerwood Gardens sits in Largo in the 33778 ZIP, in the Seminole area of Pinellas County, an established and affordable condominium community built in phases from about 1975 to 1994. Units are compact, roughly 623 to about 1,010 square feet, and the community is pet-friendly, which broadens its appeal among smaller Pinellas condo communities.

Amenities are practical and community-oriented: a swimming pool, a recreation building, tennis courts, and shuffleboard, along with guest parking and on-site laundry facilities. The location is a core draw, with the Pinellas Gulf beaches about ten minutes away and Largo and Seminole shopping and services close by.

The defining feature of this community is its land lease. Owners here own their unit but lease the land beneath it, and the land-lease fee is reported to be bundled into the monthly maintenance fee of roughly $398 to $564, which also covers basic cable, building and flood insurance, water and sewer, pest control, escrows, and landscaping. A land lease can affect financing, monthly carrying cost, and resale, so it is the first thing to verify, not the last.

Because the buildings date to the 1970s and 1980s, the honest read is the association picture: confirm the land-lease terms, remaining term, and any fee escalation; confirm lender approval for a leased-land condo; read the reserve study and building-condition status under Florida's condo-reserve law; and run the flood zone and a real insurance quote for the specific building and unit.

Best for

  • Buyers who want an affordable, low-maintenance condo minutes from the Pinellas beaches
  • Buyers comfortable with a land-lease structure once they have read the lease terms
  • Cash buyers or those who have confirmed a lender will finance a leased-land condo
  • Buyers who value a bundled monthly fee that covers many utilities and insurance

Probably not for

  • Anyone who needs conventional financing without first confirming a leased-land condo is eligible
  • Buyers who want to own the land outright under their unit
  • Buyers unwilling to read the land lease, reserve study, and budget before offering
  • Buyers who want to avoid flood and windstorm insurance in coastal Pinellas

How Deerwood Gardens is performing right now

51/100
momentum
Buyer-Leaning Market
Seller's marketBalancedBuyer's market
24Months of supplytight
42Median days on marketdays
2 : 4Under contract vs for salestrong demand
2Sold in last 12 monthsliquidity
+16%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Deerwood Gardens listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Deerwood Gardens buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Deerwood Gardens

Live MLS inventory for Deerwood Gardens. 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 Deerwood Gardens listings as of 2026-06-25, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The Club & Membership

15-Second Take
  • Community swimming pool for residents
  • Recreation building for community use
  • Tennis courts on site
  • Shuffleboard courts on site
  • Guest parking and on-site laundry facilities

Deerwood Gardens is an established, affordable condominium community in Largo near Seminole rather than a single-family neighborhood, so the lifestyle centers on low-maintenance living and shared amenities: a community pool, a recreation building, tennis courts, and shuffleboard, with guest parking and on-site laundry, all about ten minutes from the Pinellas Gulf beaches. Units are compact, roughly 623 to about 1,010 square feet, and pet-friendly. The defining feature is the land lease: owners own their unit but lease the land beneath it, with the land-lease fee reported to be bundled into the monthly maintenance fee, so confirm the lease terms, remaining term, any escalation, lender approval, and the reserve picture before you buy.

The takeaway

Deerwood Gardens trades a single-family yard for affordable, low-maintenance condo living about ten minutes from the Pinellas beaches, with Largo and Seminole shopping and services close by.

Pinellas Gulf beaches~10 min · Seminole and Indian Rocks area
Seminole City Center~5 to 10 min · shopping and services
Largo Mall~10 min · retail and dining
Downtown St. Petersburg~25 to 35 min · via local roads
Tampa International Airport~35 to 45 min · via the Bayside Bridge or I-275
Largo Medical Center~10 to 15 min · Largo

Distances and drive times are approximate and vary with traffic and your specific unit. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Deerwood Gardens with Momentum Realty’s local guides.

PWPointe WestLargo, FL · 0.3 miBABel-AireMobile VillageLargo, FL · 0.6 miOHOrangewood HighlandsLargo, FL · 0.7 miHRHi-RidgeEstatesLargo, FL · 0.7 miMMMidway Mobile Home CommunityLargo, FL · 0.8 miVAVillage atAntiguaSeminole, FL · 0.8 miPHPalm HillLargo, FL · 0.8 miHSHoliday Shores,LargoLargo, FL · 0.8 miOPOasis ParkLargo, FL · 0.8 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Deerwood Gardens (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • Pinellas County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Deerwood Gardens is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Buying with schools in mind? We can confirm the exact zoned schools for any Deerwood Gardens address.

The takeaway

What is actually shaping value at Deerwood Gardens: the land-lease structure, Florida's strengthened condo-reserve law on older buildings, the coastal Pinellas flood and insurance picture, and the draw of affordable living minutes from the Gulf beaches. Each item is sourced and linked.

Recent Developments in Deerwood Gardens

Our read on what is being built around Deerwood Gardens, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishAffordable condo demand near the Pinellas beaches supports interest, while the watch items are the land-lease terms and financing, the association's reserve trajectory under Florida's strengthened rules, and how flood and insurance costs trend in coastal Pinellas.

Land-lease structure defines financing and resale

Ongoing
BearishMajor impact
SignificanceRadius: Community

Owners own the unit but lease the land, and many lenders will not finance a leased-land condo, so the lease term, escalation, and lender approval are central diligence items that can affect cost and resale.

Florida strengthened condo-reserve rules on older buildings

2025
BearishMajor impact
SignificanceRadius: Community

Reforms refined by HB 913, effective July 1, 2025, strengthened reserve and inspection requirements statewide, with the most weight on older buildings, which can raise fees and trigger assessments here.

Affordable condos minutes from the Pinellas beaches

Ongoing
BullishNotable impact
SignificanceRadius: Area

An affordable, low-maintenance community about ten minutes from the Gulf beaches with a pool, tennis, and shuffleboard supports steady buyer interest.

Coastal Pinellas flood and insurance exposure

Ongoing
NeutralNotable impact
SignificanceRadius: Community

As a coastal Pinellas community, flood and windstorm insurance and building elevation are core to carrying cost and have to be read per building and per unit.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Deerwood Gardens, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. July 2025
    Policy

    Florida tightens condo reserve rules

    Florida's condo-safety reforms, refined by HB 913 effective July 1, 2025, strengthened reserve and inspection requirements for condominium associations statewide, with the most weight on older buildings. Why it matters: Read the association budget and reserves on a 1970s to 1980s condo community; fees are under upward pressure statewide. Source

  2. September 2024
    Storm

    2024 storms test Pinellas County coastal resilience

    Hurricanes Helene and Milton in 2024 brought record storm surge to low-lying coastal Pinellas County, with impact varying widely by elevation. Why it matters: Confirm the flood zone and a real insurance quote for the specific building. Source

Development alerts for Deerwood GardensGet a short monthly email when something new is approved, funded, or opens near Deerwood Gardens.

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Deerwood Gardens, this is the order of operations we would run, and the one we run for our clients.

1

Read the land lease in full first. Confirm the remaining lease term, any fee escalation schedule, and how the land-lease fee is built into the monthly maintenance, because this structure can shape financing, cost, and resale.

2

Confirm a lender will finance a leased-land condo. Many lenders will not, so line up financing or confirm a cash path before you fall in love with a unit, since the land lease can narrow your buyer pool and your own options.

3

Pull the budget and reserve study. These are 1970s and 1980s buildings, so read the reserves, the building-condition status under Florida's condo-reserve law, and any special assessment before anything else.

4

Run the flood zone and insurance for the specific unit. This is coastal Pinellas, so quote flood and windstorm for the exact building and floor and confirm what the bundled fee actually covers.

5

Cross-shop nearby Largo and Seminole condo communities to test value, since a land lease here should price differently from a fee-simple condo nearby.

Best Buy
An updated, larger unit in a phase with a long remaining lease term and healthy reserves
Biggest Risk
A short remaining lease term, fee escalation, or a lender who will not finance leased land
Best Lot
A unit with good elevation and a clean flood and insurance picture
Smart Timing
Confirm the land lease, lender approval, and reserves before you offer
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Deerwood Gardens is an established, affordable condominium community in Largo near Seminole rather than a single-family neighborhood, so the lifestyle centers on low-maintenance living and shared amenities: a community pool, a recreation building, tennis courts, and shuffleboard, with guest parking and on-site laundry, all about ten minutes from the Pinellas Gulf beaches. Units are compact, roughly 623 to about 1,010 square feet, and pet-friendly. The defining feature is the land lease: owners own their unit but lease the land beneath it, with the land-lease fee reported to be bundled into the monthly maintenance fee, so confirm the lease terms, remaining term, any escalation, lender approval, and the reserve picture before you buy.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry Unit
$146K to $146K

A compact one-bedroom condo near the smaller end of the size range, the affordable way into a community minutes from the beaches, where condition, the lease term, and the reserves drive value.

Lowest entry
The Two-Bedroom
$146K to $184K

An updated two-bedroom unit toward the larger end of the range, the heart of the resale market here, where a long remaining lease term and a clear financing path set the number.

Most inventory
The Best Position
$184K to $184K

A larger, updated unit in a phase with the longest remaining lease term, the strongest reserves, and the cleanest flood and insurance picture, the stock that holds value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$146K to $146K
The Entry Unit
A compact one-bedroom condo near the smaller end of the size range, the affordable way into a community minutes from the beaches, where condition, the lease term, and the reserves drive value.
$146K to $184K
The Two-Bedroom
An updated two-bedroom unit toward the larger end of the range, the heart of the resale market here, where a long remaining lease term and a clear financing path set the number.
$184K to $184K
The Best Position
A larger, updated unit in a phase with the longest remaining lease term, the strongest reserves, and the cleanest flood and insurance picture, the stock that holds value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Golf and lake lots resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Kitchen and bath updatesStandard refresh, broadly recoverable
Impact windows and slidersWind and insurance value
Flooring and interior finishesCosmetic, mostly recoverable
Land-lease term and financingOutside owner control, drives value here
Building structure and reservesAssociation-controlled, limited owner upside

Momentum analysis based on the no-CDD structure, central location, built-out lot scarcity, the funded club plan, and the all-resale 1990s housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated golf or lake home priced just under the next tier up. Buyers chasing the single biggest estate often pay estate prices for what is really a renovation project.

5 Mistakes Buyers Make in Deerwood Gardens

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Ignoring the optional club cost
  • Skipping the roof, HVAC, and systems check

In an all-resale, seven-figure, renovation-driven market, the same five mistakes cost buyers the most. Every one is avoidable with the right preparation before you tour.

Deerwood Gardens sells affordability near the beaches, but the deal is won or lost on the land lease, lender approval, the reserves, and the flood and insurance math.

Jon Brooks · Founder, Momentum Realty
6.2C+ · Buy Score
Resale Strength5.8/10
Renovation Risk6.2/10
Location Efficiency7.4/10
Long-Term Defensibility5.4/10
Carrying Cost Advantage6.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Deerwood Gardens is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium

Fill = price per square foot; ring = by realized $/sqft per unit. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take
  • Read the land lease and remaining term before anything else
  • Confirm a lender will finance a leased-land condo here
  • Verify the FEMA flood zone and elevation for the exact building
  • Read the reserve study on these 1970s to 1980s buildings
  • Confirm what the bundled monthly fee actually covers

In a leased-land condo community, the parcel is really the lease and the building, and that is the part of your money the market protects, or does not. A unit in a phase with a long remaining lease term, healthy reserves, and a clean flood and insurance picture holds value better than one facing a short lease, a lender problem, or a looming assessment. The finishes can be redone; the lease term, the reserves, and the flood elevation cannot. Read the lease and the building first, then price the condition of the unit against it.

Deerwood Gardens in 15 seconds.

Best forBuyers who want an affordable, low-maintenance condo minutes from the Pinellas beaches and are comfortable with a land lease.
Biggest advantageAn affordable entry point with a bundled fee that covers many utilities and insurance, close to the Gulf beaches.
Biggest riskThe land lease, lender financing, and reserves on older buildings can complicate cost, financing, and resale.
Sweet spotAn updated unit with a long remaining lease term in a phase with healthy reserves and a confirmed lender path.
Avoid ifYou want to own the land outright or need conventional financing without confirming a leased-land condo qualifies.

HOA, Fees & the Land Lease

15-Second Take
  • Monthly fee reported roughly $398 to $564, confirm the current amount
  • Fee is reported to include a land-lease fee, read the lease terms
  • Fee bundles cable, water, sewer, insurance, pest control, landscaping
  • 1970s to 1980s buildings, read the reserve study closely
  • Confirm lender approval for a leased-land condo before you offer

A monthly condominium maintenance fee applies, reported in the range of roughly $398 to $564, and that fee is described as bundling a lot: basic cable, building and flood insurance, water and sewer, pest control, escrows, landscaping, and, importantly, a land-lease fee. Because a land-lease fee is built in, the fee covers more than a bare condo fee but is tied to the lease terms. Confirm the exact current fee, what it includes, the land-lease terms and any escalation, the reserve study, and any current or planned assessment with the association.

Where bundled, the monthly fee is reported to cover basic cable, building and flood insurance, water and sewer, pest control, escrows, landscaping, and the land-lease fee. The pool, recreation building, tennis courts, and shuffleboard are community amenities. Verify the current inclusions, and the land-lease component specifically, against the association documents and the lease itself.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Deerwood Gardens, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Largo, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Deerwood Gardens home worth?

Get a no-obligation home value based on real comparable sales in Deerwood Gardens matched to your condition, lot, and view, 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 homes for sale in Deerwood Gardens on the map →
Or get your Deerwood Gardens home value & selling guide →

Real comps, not a Zestimate.
How much local inventory is already under contract

31% of homes for sale in ZIP 33778 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 (2026-06-25).

Deerwood Gardens Iv Largo Market Scorecard

Strong buyer's market

Deerwood Gardens Iv Largo is currently a strong buyer's market. About 24.0 months of supply, a median asking price of $189,450, and homes go under contract in about 42 days.

24.0
Months supply
$189,450
Median list
$165,000
Median sold
$200
Per sqft
42
Days on mkt
4/2/2
Active/Pend/Sold

Typical home value in the 33778 ZIP is $353,944, about 11.9% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Deerwood Gardens?
It is in Largo in the 33778 ZIP, in the Seminole area of Pinellas County, an established condominium community about ten minutes from the Pinellas Gulf beaches.
Is Deerwood Gardens a condominium community?
Yes. It is an established condominium community of compact units, roughly 623 to about 1,010 square feet, built in phases from about 1975 to 1994. Buying here means condo-association diligence on fees, reserves, rules, and, importantly, the land lease.
What is the land lease at Deerwood Gardens?
Public information indicates this community sits on leased land, meaning the homeowner owns the unit but leases the land beneath it, with the land-lease fee reported to be bundled into the monthly maintenance fee. A land lease can affect financing, monthly cost, and resale, so confirm the lease terms, the remaining term, and any escalation before you buy. This is not legal advice, so review the actual lease with your own advisors.
Can I get a mortgage on a unit at Deerwood Gardens?
It may be harder to finance a leased-land condo, because many lenders will not lend on a unit where the land is leased rather than owned. Confirm with a lender that they will finance a leased-land condo here, or be prepared for a cash purchase, before you make an offer.
When was Deerwood Gardens built?
Public sources indicate the community was built in phases from about 1975 to 1994, so buildings date to the 1970s, 1980s, and early 1990s. Confirm the specific building and year for any listing.
What amenities does Deerwood Gardens have?
Public sources describe a community swimming pool, a recreation building, tennis courts, and shuffleboard, along with guest parking and on-site laundry facilities. Confirm current amenity availability with the association.
What does the monthly fee include?
Public sources describe a monthly maintenance fee in the range of roughly $398 to $564 that bundles basic cable, building and flood insurance, water and sewer, pest control, escrows, landscaping, and a land-lease fee. Confirm the exact current fee and inclusions, and the land-lease component, with the association before you offer.
Are pets allowed at Deerwood Gardens?
Public sources describe the community as pet-friendly, but pet rules, sizes, and limits are set by the association and change over time. Confirm the current pet policy in the association documents before buying.
Does Florida's condo safety law affect Deerwood Gardens?
Florida's condo-safety reforms, refined by HB 913 effective July 1, 2025, strengthened reserve and inspection requirements statewide, with the most weight on older buildings. Because these are 1970s to 1980s buildings, ask the association where it stands on its reserve study, any inspection, and the fee or assessment impact.
Is Deerwood Gardens in a flood zone?
It is in coastal Pinellas County, so flood exposure can be real and varies by location and elevation. Always run the FEMA flood zone and a flood and windstorm insurance quote for the exact unit during diligence, and confirm what the bundled fee already covers.
How far is Deerwood Gardens from the beaches?
Public sources place the Pinellas Gulf beaches about ten minutes away by car, though exact times depend on your unit, route, and traffic. Confirm your real route during diligence.
Is Deerwood Gardens a good investment?
It offers an affordable, low-maintenance condo near the beaches, but it is an older community with a land lease, reserve obligations, and a bundled fee that affect financing and carrying cost. As with any older leased-land condo, the lease term, the reserves, and the insurability drive the outcome, and this is not a guarantee of future value.
Who is the best real estate agent for Deerwood Gardens?
The best agent for Deerwood Gardens is one who actively works Largo and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Deerwood Gardens.
How do I find a top Largo real estate agent who knows Deerwood Gardens?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Deerwood Gardens and the wider Largo area.
Can Momentum Realty connect me with an agent for Deerwood Gardens?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Deerwood Gardens purchase or sale — no call center and no pressure.
Buyers who want an affordable, low-maintenance condo minutes from the Pinellas beachesExcellent fit
Buyers comfortable with a land lease after reading the lease terms and remaining termExcellent fit
Cash buyers or those who have confirmed a lender will finance a leased-land condoExcellent fit
Buyers who value a bundled fee covering many utilities and insuranceExcellent fit
Buyers who will read the reserve study and quote flood and windstorm for the unitExcellent fit
Buyers who need conventional financing without confirming a leased-land condo qualifiesProbably not
Buyers who want to own the land outright under their unitProbably not
Buyers unwilling to read the land lease, budget, and reserve study before offeringProbably not
Buyers who want to avoid flood and windstorm insurance in coastal PinellasProbably not
Buyers expecting uniform value regardless of lease term and building conditionProbably not

Get the inside read on Deerwood Gardens

Whether you are buying a renovation project, comparing the lots and views, weighing the optional club, or selling your Deerwood Gardens home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

We respond personally, usually the same day.

You are all set.

A Momentum Realty Deerwood Gardens specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Deerwood Gardens — what to look for, questions to ask, and your local expert.
Stellar MLS logoMLS GRID logo
Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX 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; deemed reliable but not guaranteed by MLS GRID.

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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. Momentum sells for 1.25% above the local market average and 8 days faster, and we’ll price yours against live your area comps.

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What’s your home worth in your area?

A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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