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12965 RIDGE ROAD, Largo, FL, 33778 | $509,000
Under contract-accepting backup offers. Tropical Retreat with Modern Upgrades – Just Minutes from Indian Rocks Beach! Welcome to your own private oasis in the heart of Largo, Florida. This beautifully updated 3-bedroom, 2-bathroom, 2 car garage, pool home with stone facade and block construction sits high and dry at 69 feet above sea level! No flood insurance is required and the home is in a non-evacuation zone. Step inside to over 1, 600 square feet of bright and cheery living space with a desirable split and open floor plan. The newly remodeled kitchen is a chef’s dream—featuring custom cabinetry with plenty of storage, newer stainless steel appliances including a convection oven with induction cooktop, stunning quartz countertops, beautiful blue subway tile backsplash, new (2025) ceramic tile terrazzo flooring, new (2025) custom-panel dishwasher, and a breakfast and coffee bar. Adjacent to the kitchen is a large dining area perfect for family get-togethers. Retreat to the spacious primary suite with a walk-in closet, ensuite bathroom with walk-in shower and gorgeous ceramic tile. Two additional bedrooms offer comfort and flexibility for family, guests, or a home office. Enjoy true Florida living with the screened-in pool resurfaced in 2022, covered lanai for outdoor dining and entertaining, and lush landscaping that includes Florida-friendly native and drought-tolerant plants. Your fully fenced backyard (2024) is a gardener’s paradise with a vegetable garden, an impressive array of fruit trees and bushes—including mango, avocado, fig, bananas, mandarin oranges, and blueberries. The home has newer hurricane-impact windows (2024), roof (2024), luxury vinyl flooring, ceramic tile, pool pump (2022) and custom lighting. This meticulously maintained home offers peace of mind, privacy, and paradise—all wrapped into one. Located just 10 minutes from Indian Rocks Beach and close to Seminole City Center and Largo Mall, you'll enjoy the perfect blend of tranquility and convenience. Don’t miss your chance to own this gem. Call or text agent today to schedule your private showing and make this tropical dream your reality!
Features
- Rooms: 7
- Bedrooms: 3
- Baths: 2 full
- Lot Size: 75 x 105
- Laundry: Electric Dryer Hookup, In Garage, Inside, Washer Hookup
- Style: Ranch
- Year Built: 1972
- Garage: 2-car Driveway, Garage Door Opener, Garage Faces Rear, Workshop in Garage
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,655
- Acreage: 0.18
- Lot Size: 75 x 105
- Est. Taxes: $5,467
- Lot Desc: Landscaped, Near Public Transit, Sidewalk
- View: Garden, Pool, Trees/Woods
- Elem. School: Fuguitt Elementary-PN
- Middle School: Osceola Middle-PN
- High School: Seminole High-PN
- Pool: In Ground, Lighting, Screen Enclosure, Tile
- Appliances: Convection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener
- MLS#: TB8379576
- Days on Market: 5 days
- Website: https://www.raveis.com
/prop/TB8379576/12965ridgeroad_largo_fl?source=qrflyer
Listing courtesy of KELLER WILLIAMS ST PETE REALTY Phone: 727-894-1600
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance
860.690.5052
Robert.Reade@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
12965 RIDGE ROAD, Largo, FL, 33778
$509,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $407,200 | $407,200 | $407,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 7.058% | 7.063% | 6.132% |
| Monthly Tax Payment | $456 | $456 | $456 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,574 | $2,675 | $3,409 |
| Total Monthly Payment | $3,122 | $3,223 | $3,957 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388