Gulf Terrace
Homes for Sale in Largo, FL
All 473 homes for sale in Largo, FL · median $319,900 · 70 homes for sale in 33774 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Gulf Terrace in Largo, FL has 5 homes for sale and 1 pending, asking from $310,000 to $589,900 (median $399,000). Over the 12 months ending 2026-09-12, 5 recorded sales closed at a median of $320,000, $218 per square foot, a median 41 days on market, sellers accepting 95% of original asking (-21% versus the prior year). Homes listed or recently sold were built 1958 - 2026 with 1 new construction; 6 listings state no HOA. At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $6,200 ($5,390 with the full homestead exemption).
Homes For Sale Right Now in Gulf Terrace
Live MLS inventory for Gulf Terrace. 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 · 42 daysTop listing
Active · 1 days
Active · 1 days
Active · 1 days
Active · 2 days
Pending · 1 daysActive and pending Gulf Terrace listings as of 2026-09-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2007 through 2026. Tap any home to ask about it.
Gulf Terrace right now
🟢 Buyer-leaning market. 10.0 months of supply and 17% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 12, 2026. Confidence: Medium (6 active and pending listings, 5 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($320K) is down 21.0% from the prior 12 months ($405K). With about 3 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 12. Confidence: Low (5 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Gulf Terrace market snapshot (as of September 12, 2026): the median sale price is about $320K ($218 per sq ft over the trailing 12 months of closed sales), a median 41 days on market for closed sales, and 10.0 months of supply, a buyer-leaning market. The trailing-12-month median is down 21% from the prior 12 months, computed from record-level Stellar MLS closed sales (5 closings in the current window).
In ZIP 33774 (Largo), 287 homes closed in the last 12 months at a median of $400K ($269/sq ft), down 5.6% year over year, with a median 54 days on market. Right now 46 active and 14 pending listings put supply at about 3.7 months - a balanced market. See the live ZIP 33774 housing market and the Pinellas County market.
Gulf Terrace is a community of 195 homes in Largo, Pinellas County, built between 1940 and 2024 (median 1972), with a median living area of about 1,264 square feet. 63% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Gulf Terrace. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Gulf Terrace
Gulf TerracePhotos from Stellar MLS listings in Gulf Terrace; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($320K) IS the median in the snapshot above, and the move from 2025 ($405K) IS the -21.0% one-year change.
Windows contain 0 to 9 sales each (5 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 2007 through 2026. Deemed reliable but not guaranteed.
Gulf Terrace Market Scorecard
Gulf Terrace is currently a strong buyer's market. About 10.0 months of supply, a median asking price of $399,000, and homes go under contract in about 1 days.
Typical home value in the 33774 ZIP is $382,233, right around 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.
Housing distress & ownership in Gulf Terrace, 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 September 2026 through September 2026. Deemed reliable but not guaranteed.
Gulf Terrace 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, tiles © CARTO.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Oakhurst Elementary (Largo, verify by address)FLDOE grade A · Public
- Seminole Middle (verify by address)FLDOE grade A · Public
- Largo High (verify by address)FLDOE grade B · Public
Grades are official Florida Department of Education school grades for 2025-26. Assignments are reported as of the 2025-26 year 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 Gulf Terrace address.
Shop the zone: Homes zoned for Largo High-Pn High School
The Gulf Terrace buying strategy.
If we were buying in Gulf Terrace 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Gulf Terrace.
A closer look at the Gulf Terrace market
At a median of $218 per square foot, Gulf Terrace prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 10.0 months of supply, a buyer-leaning market and the trailing-12-month median down 21% year over year. Homes that do trade take a median 41 days on market, useful leverage on any listing that has lingered.
The housing stock is 195 homes built between 1940 and 2024, and 63% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Gulf Terrace. 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 Gulf Terrace 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 4 factors (3.4). Basis: Recent Direction -21.0% year-over-year; Liquidity & Demand 10.0 months of supply; Owner Commitment 63% owner-occupied; Pricing Power 95.0% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Gulf Terrace 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 Gulf Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Gulf Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Gulf Terrace home worth?
Get a no-obligation home value based on real comparable sales in Gulf Terrace, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Gulf Terrace?
How long do homes in Gulf Terrace take to sell?
Is Gulf Terrace a buyer's or seller's market right now?
How many homes are in Gulf Terrace?
What share of Gulf Terrace is owner-occupied?
When were the homes in Gulf Terrace built?
What schools serve Gulf Terrace?
Who is the best real estate agent for Gulf Terrace?
How do I find a top Largo real estate agent who knows Gulf Terrace?
Can Momentum Realty connect me with an agent for Gulf Terrace?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (4 streets, ZIP 33774)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2007 (43 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.
Own a home here?
You just read the data. Now see what your home is worth.
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 Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Gulf Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
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