12762 98th Street, FL
Stellar MLS

$520,000

12762 98th Street

Largo, FL 33773

Listing updated: May 23, 2026 at 11:58 AM ET

Active
3
Beds
2
Baths
1,444
Sq Ft
0.2
Acres
1980
Built
Private poolFireplace$360/sqft360° tour
Single Family Residence

Property type

1980

Year built

8,546 sqft

Lot size

$360

Price / sq ft

No HOA

HOA dues

57

Days on market

2

Garage spaces

AE

Flood zone

About this home

One or more photo(s) has been virtually staged. PRICE IMPROVEMENT! Welcome to your fully furnished Florida retreat in the hidden gem community of Blue Water Cove! This beautifully updated 3-bedroom, 2-bathroom pool home perfectly blends comfort, style, and functionality, offering a true move-in-ready experience. From the moment you step inside, you’re greeted by a bright, open-concept layout with vaulted ceilings, abundant natural light, and durable wood-look flooring throughout, creating a warm and inviting atmosphere. The heart of the home is the stunning, chef-inspired kitchen featuring custom wood cabinetry, granite countertops, a large center island with seating, and sleek Samsung stainless steel appliances including a double oven—ideal for both everyday living and entertaining. The kitchen flows seamlessly into the spacious living and dining areas, highlighted by a striking wood-burning fireplace that adds character and charm. The primary suite offers a peaceful retreat with generous space, a walk-in closet, and a beautifully updated en-suite bathroom with modern finishes and a walk-in shower. The additional bedrooms are well-sized and thoughtfully designed, perfect for guests, family, or a home office setup. Both bathrooms have been tastefully renovated, offering a clean, contemporary feel. Step outside to your private backyard oasis where Florida living truly comes to life. The expansive screened-in lanai features a covered seating area, pavered deck, and a sparkling pool—perfect for relaxing, entertaining, or enjoying year-round outdoor living. The fully fenced yard adds privacy, while the extended space allows for gatherings, play, or simply unwinding in your own slice of paradise. Additional highlights include a spacious 2-car garage with bonus flex space ideal for a game room, gym, or extra storage, along with the added benefit of being sold fully furnished—making this an incredible opportunity for a primary residence, second home, or turnkey investment. With no HOA, you’ll enjoy maximum flexibility and freedom. Conveniently located just minutes from world-famous Gulf beaches, shopping, dining, parks, and major roadways, this home offers the perfect balance of tranquility and accessibility. This is more than just a home—it’s a lifestyle. Schedule your private showing today and experience everything this exceptional property has to offer.

Estimated monthly payment

Principal & interest$2,629
Property taxes$617
Home insurance (est.)$238

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 history57 days on market

  1. Status: Active
    Mar 27, 2026
  2. Listed$530,000
    Mar 27, 2026
  3. Price reduced$520,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
57
Subdivision
Blue Water Cove
County
Pinellas
Year built
1980
Living area
1,444 sq ft
Price/sq ft
$360
Building area
2,104 sq ft (Public Records)
Lot size
8,546 sq ft
Lot category
0 to less than 1/4
Flood zone
AE
Garage
2 spaces
Pool
Private pool
Annual taxes
$7,405 (2025)
Parcel #
11-30-15-09416-000-0820
Zoning
R-3
MLS #
TB8489116

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Luxury Vinyl
Appliances
Built-In Oven, Dishwasher, Disposal, Dryer, Freezer, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
Interior features
Ceiling Fans(s), High Ceilings, Kitchen/Family Room Combo, Open Floorplan
Laundry
In Garage
Stories / Levels
One
Direction faces
East
Fireplace
Yes

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
Min lease term
No Minimum
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No
Additional lease restrictions
Buyer to confirm with the city of Largo

Exterior & Construction

Exterior features
Hurricane Shutters, Outdoor Shower, Storage
Construction materials
Block, Stucco
Roof
Shingle
Foundation
Slab
Pool
Private pool
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Available, Electricity Available, Water Connected

Schools

ElementarySouthern Oak Elementary-PNGreatSchools ↗
MiddleOsceola Middle-PNGreatSchools ↗
High SchoolPinellas Park High-PNGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Primary BedroomFirst15x12
Living RoomFirst18x12
Bedroom 2First11x10
KitchenFirst11x11
Bedroom 3First10x11
Dining RoomFirst9x11

Listing Details

Listing date
2026-03-22
On market date
2026-03-27
Original list price
$530,000
Occupant type
Vacant
MLS area
33773 - Largo
Listing AOR
Suncoast Tampa
Status changed
2026-03-27
Tax legal description
BLUE WATER COVE LOT 82

Flood risk

High riskFEMA Zone AE

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From Ulmerton Rd (FL-688) & Seminole Blvd: Head west on Ulmerton Rd toward 101st St N. Turn right onto 101st St N and continue north for approximately 0.5 miles. Turn left onto 126th Ave N and follow it into the Blue Water Cove community. Continue straight, then turn right onto 98th St. The home at 12762 98th St will be on your left.

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MLS GRID

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 May 23, 2026 at 11:58 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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA