2750 E Bay Dr Unit 12B · Largo, FL 33771

$110,000

1 bd · 1.0 ba · 640 sqft · Condo public records · 194 Days on market

Built 1971 $370/mo HOA · 24% of rent

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +16.4/30.0
• 1% rule +8.7/10.0
• ARV discount +7.5/15.0
• DSCR +5.1/10.0
• Schools +4.3/10.0
• Livability +4.1/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

READY TO CALL THIS ONE HOME !!!THIS UNIT HAS EVERYTHING DONE!! Step into this completely updated one bedroom and one bathroom unit that has an open and spacous concept. This home is light and bright and comes furnished!! ALL OF THE BIG TICKET ITEMS ARE DONE AND BEST OF ALL THIS UNIT HAS ONE OF THE LOWEST HOA FEES IN THE AREA! Recent upgrades include NEW ELECTRICAL PANEL, NEW PLUMBING IN THE KITCHEN AND BATHROOM, NEW FAUCETS, NEW KITCHEN WINDOW, GFI'S INSTALLED IN BOTH KITCHEN AND BATHEROOM, FRESHLY PAINTED, NEW BASEBOARDS, KITCHEN BACKSPLASH, UPDATED KITCHEN COUNTERS, NEW DOUBLE STAINLESS SINK, TILE FLOORING THROUGHOUT, WINDOW TREATMENTS, CEILING FANS, UPDATED LIGHTING, BATHROOM VANITY, FIXTURES AND HIGH END FURNISHINGS STAY!!! Enjoy the park like view from your private balcony. This unit is just steps to the Pool!! Bay Palms is a Hidden Gem, quiet and tucked away, however centrally located to Grocery, Retail stores, Restaurants and just a short commute to our Award Winning Beaches. You will love the convenience of being steps to the laundry room and your own private storage unit with an assigned parking space. You can walk to the shopping plaza through your own private gate. . Enjoy heated pool, clubhouse , shuffleboard court and outdoor grill. This MOVE IN READY unit is perfect for a Part time Florida Retreat, Full time resident, or Income property!! Sorry no pets. Cable TV, sewer, trash, water, landscaping are included in monthly maintenance. STOP PAYING RENT WITH THIS AFFORDABLE UNIT YOU CAN CALL HOME!! Call today for your private showing.

Key facts

• Private balcony
• Updated hvac
• Heated pool

Tags

• UPDATED HVAC
• UPDATED ELECTRICAL PANEL
• UPDATED PLUMBING
• PRIVATE BALCONY
• ASSIGNED PARKING SPACE
• HEATED POOL

Property features AI

Finance

• Other: Furnished; Condo land included
• Financial info: Total annual association fees $4,440; Lease restrictions apply
• HOA & community: Monthly HOA $370; HOA includes pool, escrow reserves, insurance, structure & grounds maintenance, management, recreational facilities, sewer, trash and water; Association amenities: clubhouse, laundry, maintenance, pool, recreation facilities, shuffleboard court, storage; Association approval required; Senior community; Pets not allowed; Buyer approval required for community

Exterior

• Utilities: Public sewer; Water connected; Sewer connected; Electricity connected; Cable connected; Water source: None (per listing)
• Home design: Condominium; Two-story building; Unit on 2nd floor; Unit faces west
• Construction: Block and stucco construction; Built-up/other roof; Block/other foundation; Built in 2-story building (Building B)
• Exterior features: Balcony; Sidewalks; Sliding doors; Storage; In-ground gunite pool with heating and lighting; Private spa (heated)

Interior

• Kitchen: Cooktop; Dishwasher; Disposal; Microwave; Range; Range hood; Refrigerator; Electric water heater
• Bedrooms: 1 bedroom
• Flooring: Ceramic tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Living room/dining room combo; Thermostat; Walk-in closet; Window treatments
• Laundry & utility: Common area laundry

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $110k.

Deal economics

• At list price, monthly cash flow is $62 ($743/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.0% vs local median 4.2% in Largo — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 82/100 on livability (#82 in FL, #1,240 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, amenities F.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents soft (-1.1%/yr); 220 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 30% of the median local income ($60k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 194 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 5y ago; this cycle's ask is 7757% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: HOA is 24% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 194 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.37% ✓
• Cap rate: 6.97%
• Cash-on-cash: 2.41%
• DSCR: 1.11
• GRM: 6.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -17.3%
• Equity multiple: 0.41×
• Total profit: $-18,059
• Equity at exit: $16,401

10-year hold

• IRR: -20.9%
• Equity multiple: 0.13×
• Total profit: $-26,745
• Equity at exit: $9,511

Cash invested: $30,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33771

• Home prices YoY: -30.2%
• Rents YoY: -1.1%
• Active inventory: 220
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,512 high
• Mortgage (P&I): −$577
• Tax from tax record: −$140 /mo · $1,675/yr
• Insurance: −$46
• HOA: −$370
• Vacancy / Maint / Mgmt: −$317
• Net cashflow: $62

Break-even live

Break-even rent $1,433

Max offer price $110,000

Occupancy floor 91%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2291 E Bay Dr Largo, FL	2.0	2.0	708	$1,600	$2.26	22d	1	0.31mi
2291 E Bay Dr Largo, FL	2.0	2.0	708	$1,600	$2.26	20d	1	0.31mi
600 Starkey Rd Largo, FL	1.0–3.0	1.0–2.0	982	$1,349	$1.37	3d	21	0.36mi
101 Imperial Palm Dr Largo, FL	1.0–2.0	1.0–2.0	907	$1,299	$1.43	2d	35	0.51mi
500 Belcher Rd S #18 Largo, FL	1.0	1.0	637	$1,500	$2.35	3d	1	0.73mi
4215 E Bay Dr Clearwater, FL	1.0	1.0	535	$2,300	$4.30	7d	4	0.98mi
4215 E Bay Dr Clearwater, FL	1.0	1.0	575	$1,775	$3.09	18d	3	0.98mi
4300 E Bay Dr Unit 228 Clearwater, FL	1.0	1.0	520	$1,399	$2.69	24d	1	1.02mi
1517 16th Cir SE Largo, FL	1.0	1.0	625	$1,250	$2.00	4d	1	1.35mi
3718 138th Ave N Unit 2 Largo, FL	2.0	1.0	750	$1,500	$2.00	24d	1	1.46mi

HOA detail condo

• Monthly dues: $370 · $4,440/yr
• Likely covers: watersewertrashelectriccablelandscapingpoolparking
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 37 events

1. 2026-06-18
   days on market $110,000 Active 194 DOM
2. 2026-06-17
   days on market $110,000 Active 193 DOM
3. 2026-06-16
   days on market $110,000 Active 192 DOM
4. 2026-06-15
   days on market $110,000 Active 191 DOM
5. 2026-06-13
   days on market $110,000 Active 189 DOM
6. 2026-06-09
   days on market $110,000 Active 185 DOM
7. 2026-06-08
   days on market $110,000 Active 184 DOM
8. 2026-06-07
   days on market $110,000 Active 183 DOM
9. 2026-06-04
   days on market $110,000 Active 180 DOM
10. 2026-06-03
    days on market $110,000 Active 179 DOM
11. 2026-06-01
    days on market $110,000 Active 177 DOM
12. 2026-05-31
    days on market $110,000 Active 176 DOM
13. 2026-05-20
    listed $1,400
14. 2026-05-05
    status Active
15. 2026-05-01
    historical
16. 2026-03-17
    price $110,000
17. 2026-02-12
    price $115,000
18. 2026-02-06
    price $118,000
19. 2026-01-01
    price $120,000
20. 2025-12-02
    listed $125,000 Active
21. 2023-08-02
    soldstatus $127,000 Closed 1573-char remark

    Show marketing remark (1573 chars)

    READY TO CALL THIS ONE HOME !!!THIS UNIT HAS EVERYTHING DONE!! Step into this completely updated one bedroom and one bathroom unit that has an open and spacous concept. This home is light and bright and comes furnished!! ALL OF THE BIG TICKET ITEMS ARE DONE AND BEST OF ALL THIS UNIT HAS ONE OF THE LOWEST HOA FEES IN THE AREA! Recent upgrades include NEW ELECTRICAL PANEL, NEW PLUMBING IN THE KITCHEN AND BATHROOM, NEW FAUCETS, NEW KITCHEN WINDOW, GFI'S INSTALLED IN BOTH KITCHEN AND BATHEROOM, FRESHLY PAINTED, NEW BASEBOARDS, KITCHEN BACKSPLASH, UPDATED KITCHEN COUNTERS, NEW DOUBLE STAINLESS SINK, TILE FLOORING THROUGHOUT, WINDOW TREATMENTS, CEILING FANS, UPDATED LIGHTING, BATHROOM VANITY, FIXTURES AND HIGH END FURNISHINGS STAY!!! Enjoy the park like view from your private balcony. This unit is just steps to the Pool!! Bay Palms is a Hidden Gem, quiet and tucked away, however centrally located to Grocery, Retail stores, Restaurants and just a short commute to our Award Winning Beaches. You will love the convenience of being steps to the laundry room and your own private storage unit with an assigned parking space. You can walk to the shopping plaza through your own private gate. . Enjoy heated pool, clubhouse , shuffleboard court and outdoor grill. This MOVE IN READY unit is perfect for a Part time Florida Retreat, Full time resident, or Income property!! Sorry no pets. Cable TV, sewer, trash, water, landscaping are included in monthly maintenance. STOP PAYING RENT WITH THIS AFFORDABLE UNIT YOU CAN CALL HOME!! Call today for your private showing.

22. 2023-07-12
    status Pending 1573-char remark

    Show marketing remark (1573 chars)

    READY TO CALL THIS ONE HOME !!!THIS UNIT HAS EVERYTHING DONE!! Step into this completely updated one bedroom and one bathroom unit that has an open and spacous concept. This home is light and bright and comes furnished!! ALL OF THE BIG TICKET ITEMS ARE DONE AND BEST OF ALL THIS UNIT HAS ONE OF THE LOWEST HOA FEES IN THE AREA! Recent upgrades include NEW ELECTRICAL PANEL, NEW PLUMBING IN THE KITCHEN AND BATHROOM, NEW FAUCETS, NEW KITCHEN WINDOW, GFI'S INSTALLED IN BOTH KITCHEN AND BATHEROOM, FRESHLY PAINTED, NEW BASEBOARDS, KITCHEN BACKSPLASH, UPDATED KITCHEN COUNTERS, NEW DOUBLE STAINLESS SINK, TILE FLOORING THROUGHOUT, WINDOW TREATMENTS, CEILING FANS, UPDATED LIGHTING, BATHROOM VANITY, FIXTURES AND HIGH END FURNISHINGS STAY!!! Enjoy the park like view from your private balcony. This unit is just steps to the Pool!! Bay Palms is a Hidden Gem, quiet and tucked away, however centrally located to Grocery, Retail stores, Restaurants and just a short commute to our Award Winning Beaches. You will love the convenience of being steps to the laundry room and your own private storage unit with an assigned parking space. You can walk to the shopping plaza through your own private gate. . Enjoy heated pool, clubhouse , shuffleboard court and outdoor grill. This MOVE IN READY unit is perfect for a Part time Florida Retreat, Full time resident, or Income property!! Sorry no pets. Cable TV, sewer, trash, water, landscaping are included in monthly maintenance. STOP PAYING RENT WITH THIS AFFORDABLE UNIT YOU CAN CALL HOME!! Call today for your private showing.

23. 2023-04-03
    listed $129,000 Active 1573-char remark

    Show marketing remark (1573 chars)

    READY TO CALL THIS ONE HOME !!!THIS UNIT HAS EVERYTHING DONE!! Step into this completely updated one bedroom and one bathroom unit that has an open and spacous concept. This home is light and bright and comes furnished!! ALL OF THE BIG TICKET ITEMS ARE DONE AND BEST OF ALL THIS UNIT HAS ONE OF THE LOWEST HOA FEES IN THE AREA! Recent upgrades include NEW ELECTRICAL PANEL, NEW PLUMBING IN THE KITCHEN AND BATHROOM, NEW FAUCETS, NEW KITCHEN WINDOW, GFI'S INSTALLED IN BOTH KITCHEN AND BATHEROOM, FRESHLY PAINTED, NEW BASEBOARDS, KITCHEN BACKSPLASH, UPDATED KITCHEN COUNTERS, NEW DOUBLE STAINLESS SINK, TILE FLOORING THROUGHOUT, WINDOW TREATMENTS, CEILING FANS, UPDATED LIGHTING, BATHROOM VANITY, FIXTURES AND HIGH END FURNISHINGS STAY!!! Enjoy the park like view from your private balcony. This unit is just steps to the Pool!! Bay Palms is a Hidden Gem, quiet and tucked away, however centrally located to Grocery, Retail stores, Restaurants and just a short commute to our Award Winning Beaches. You will love the convenience of being steps to the laundry room and your own private storage unit with an assigned parking space. You can walk to the shopping plaza through your own private gate. . Enjoy heated pool, clubhouse , shuffleboard court and outdoor grill. This MOVE IN READY unit is perfect for a Part time Florida Retreat, Full time resident, or Income property!! Sorry no pets. Cable TV, sewer, trash, water, landscaping are included in monthly maintenance. STOP PAYING RENT WITH THIS AFFORDABLE UNIT YOU CAN CALL HOME!! Call today for your private showing.

24. 2022-06-16
    soldstatus $96,500
25. 2022-06-15
    soldstatus $96,500 Closed 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

26. 2022-05-29
    status Pending 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

27. 2022-05-20
    status Active 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

28. 2022-04-23
    status Pending 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

29. 2022-04-07
    status Active 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

30. 2022-04-07
    status Pending 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

31. 2022-03-04
    status Active 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

32. 2022-02-23
    historical 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

33. 2021-10-29
    price $95,900 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

34. 2021-08-22
    listed $120,000 Active 1181-char remark

    Show marketing remark (1181 chars)

    Back on the market due to buyer's financing. Property passed the inspection. Welcome to Bay Palms! Friendly 55+ community centrally located in Largo in a quiet spot yet surrounded by various establishments, including grocery stores, pharmacies, restaurants, medical offices and Bank of America! Short drive to award-winning beaches, parks and golf courses. This cute and clean one bedroom condo on the 2nd floor has been recently painted, and features updated kitchen and bathroom, ceramic tile throughout, new ceiling fans and enclosed patio. You will love cooking on your brand new stove in the bright light thanks to the recently installed window! The bathroom has a new elegant vanity with integral sink for easy maintenance and modern mirror! New Electric panel provides peace of mind for the homeowner. For your convenience there is private storage room. Enjoy heated pool, clubhouse with kitchen, shuffleboard court and outdoor grill. You can rent the condo for 90 days after the first year of ownership. Unit comes with one assigned parking spot. Sorry no pets. Cable TV, exterior maintenance with on-site personnel, sewer, trash, water are included in monthly maintenance.

35. 2000-06-02
    soldstatus $16,800
36. 1985-12-01
    soldstatus $24,000
37. 1983-05-01
    soldstatus $26,200

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,675 · $140/mo
• Projected year-2 tax: $1,675 · $140/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,140
• − Mortgage interest: −$6,162
• − Property taxes: −$1,675
• − Insurance: −$550
• − Repairs & maintenance: −$1,451
• − Management: −$1,451
• − HOA: −$4,440
• − Depreciation: −$3,200
• Taxable loss: −$789
• Est. tax savings @ 24.0%: +$189
• After-tax cash flow: $933/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — Largo

• Score: 82/100
• State rank: #82
• US rank: #1240

Category grades

Amenities F Commute A+ Cost of living A+ Crime C Employment D+ Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Largo, FL
• County: Pinellas County · 939,478 people
• City population: 106,311
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 27,596
• Household income: $59,993
• Rent vs Own: 35.5% rent · 64.5% own
• Severe rent burden: 1243.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 14% Two or more races 9% Black 4% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Dominican 2%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 13% · Canada, Jamaica, Guatemala
• Languages at home: 82% English-only · Spanish 12% Other Indo-European 2% Russian/Polish/Slavic 2%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -135.36%
• Current HPI: 313.5044
• Rent YoY: ▼ -1.06%
• Metro: Tampa-St. Petersburg-Clearwater, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

-94.7% since first listed

25 events — show timeline

• 2026-05-20 Listed for Rent $1,400 STELLARMLS
• 2026-05-05 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Price Changed $110,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-12 Price Changed $115,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-06 Price Changed $118,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-01 Price Changed $120,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-02 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2023-08-02 Sold (MLS) $127,000 Stellar MLS as Distributed by MLS Grid
• 2023-07-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-04-03 Listed $129,000 Stellar MLS as Distributed by MLS Grid
• 2022-06-16 Sold (Public Records) $96,500 Public Records
• 2022-06-15 Sold (MLS) $96,500 Stellar MLS as Distributed by MLS Grid
• 2022-05-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-05-20 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-04-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-04-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-04-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-03-04 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-02-23 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2021-10-29 Price Changed $95,900 Stellar MLS as Distributed by MLS Grid
• 2021-08-22 Listed $120,000 Stellar MLS as Distributed by MLS Grid
• 2000-06-02 Sold (Public Records) $16,800 Public Records
• 1985-12-01 Sold (Public Records) $24,000 Public Records
• 1983-05-01 Sold (Public Records) $26,200 Public Records

Property tax history

+13.3%/yr

Latest (2025): $1,675 · -0.9% YoY. Source: county tax records.