$550,000
8194 124th Terrace
Largo, FL 33773
Listing updated: March 28, 2026 at 9:54 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Move-In Ready & No Flood Insurance Required (Zone X)! This well-maintained pool home offers the perfect blend of smart upgrades, functional design, and outdoor enjoyment. A screened front porch with private entry welcomes you into a thoughtfully designed split-bedroom floor plan, providing ideal privacy. The spacious primary suite features an updated dual-sink vanity and walk-in shower, while two additional bedrooms and a second full bath are situated on the opposite side of the home. The open-concept living space includes a great room, dining area, and additional front living room, perfect for flexible use of space. The kitchen is designed for both style and efficiency with newer cabinetry featuring pull-out shelves, a tall pantry with deep drawers, granite countertops, stainless steel appliances, and a generous eat-in breakfast area. Step outside to your screened-in paver patio overlooking the quiet pool; an ideal space for relaxing or entertaining. The backyard is fully fenced with gates on both sides and has been refreshed with new sod and landscaping, plus a custom grill and storage area along the side of the home complete with pavers and decorative rock. Major updates and improvements include: • Energy Star qualified windows and sliding doors (2025) • Gutters (2025) • Pool pump (2025) • Roof (2024) • Water heater (2023) • GE washer & dryer (2023) • HVAC (Oct 2018) • Newer water softener • Exterior painted approx. 4–5 years ago • Interior walls, doors, and baseboards freshly painted (2024) Plus, only tile and laminate flooring throughout for easy maintenance. The two-car garage includes newly installed built-in storage cabinets. With extensive upgrades inside and out, a private pool retreat, and no flood insurance required (Zone X), this home checks every box.
Local Insight
At $371/sqft for a 1989 build, you're paying a fair price for the Largo market, but the real question is whether that pool adds genuine value or becomes a maintenance headache on a tight 0.16-acre lot—get a current pool inspection and budget realistically for repairs, since older systems can drain equity quickly. The flood zone X rating is a real advantage here (no flood insurance required), which should help your long-term financing and insurance costs compared to nearby properties. Just be aware you're in a fairly dense subdivision without HOA oversight, so the neighborhood character depends entirely on individual owner maintenance.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history24 days on market
- Status: ActiveMar 28, 2026
- Listed$550,000Feb 20, 2026
- Price increased$550,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 24
- Subdivision
- Somerset Lakes Unit Four
- County
- Pinellas
- Year built
- 1989
- Living area
- 1,481 sq ft
- Price/sq ft
- $371
- Building area
- 2,467 sq ft (Public Records)
- Lot size
- 7,157 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12103C0119H)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $6,549 (2024)
- Parcel #
- 12-30-15-83917-000-0670
- Zoning
- R-3
- MLS #
- TB8472178
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 2
- Flooring
- Ceramic Tile, Laminate
- Appliances
- Dishwasher, Disposal, Microwave, Range, Refrigerator
- Interior features
- Split Bedroom
- Laundry
- In Garage
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1-7 Days
- Listing terms
- Cash, Conventional, FHA
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Private Yard
- Construction materials
- Block
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Cable Connected, Natural Gas Available
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 11x18 |
| Kitchen | First | 10x17 |
| Great Room | First | 12x18 |
| Living Room | First | 13x21 |
Listing Details
- Listing date
- 2026-02-19
- On market date
- 2026-02-20
- Original list price
- $550,000
- Occupant type
- Owner
- MLS area
- 33773 - Largo
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-03-28
- Tax legal description
- SOMERSET LAKES UNIT FOUR LOT 67
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Check GPS as current road construction in area alters route.
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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.
Based on information submitted to the MLS GRID as of March 28, 2026 at 9:54 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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