2139 20th Avenue SWNew Construction Home in Largo, FL
Largo, FL 33774 · Pinellas County
$564,900
$589,900
$324/sq ft
Photos of 2139 20th Avenue SW
1 / 30Who is building this home?
This home is listed as built by ELITE BUILDING AND CONTRACTING, floor plan N/A. Builder quality, warranty responsiveness, and willingness to fix punch-list items vary enormously between companies in Tampa Bay.
Compare Tampa Bay builder scorecards →About this home
Under Construction. Welcome to this brand-new farmhouse-style residence offering the perfect blend of modern design, quality construction, hurricane impact windows and doors, and a peaceful setting in unincorporated Largo. Situated on a 63' x 128' homesite at the end of a quiet dead-end street, this one-story concrete block home enjoys a unique location directly across from the McKay Creek County Conservation Area, providing a natural wooded backdrop, added privacy, and no homes directly across the street. Best of all, the property is located in Flood Zone X, offering additional peace of mind. Inside, you'll find an inviting open-concept floor plan featuring 3 bedrooms, 2 bathrooms, and a versatile bonus room that can easily serve as a home office, den, playroom, or home gym. The spacious kitchen is designed for everyday living and entertaining, showcasing a large center island with quartz countertops, stainless steel appliances, and seamless flow into the dining and living areas. The private owner's suite offers a spacious walk-in closet and a beautifully appointed en-suite bathroom complete with dual vanities and a walk-in shower. Additional highlights include a walk-in laundry room, covered front and rear porches, and quality finishes throughout. The home is conveniently located near shopping, restaurants, beaches, parks, and major commuting routes while still offering the privacy and charm of a tucked-away neighborhood. Don't miss the opportunity to own this thoughtfully designed new construction home in one of Largo's most unique settings. Schedule your private showing today, and the estimated completion date is September 2026.
Home details and costs
- MLS number
- TB8523980
- Property type
- Single Family Residence
- Build stage
- Under Construction
- Builder
- ELITE BUILDING AND CONTRACTING
- Floor plan
- N/A
- Heated square feet
- 1,746 sq ft
- Total under roof
- 2,313 sq ft
- Stories
- 1 Story
- Lot size
- 0.19 acres
- Subdivision
- Gulf Terrace
- HOA fee
- No HOA
- Annual property tax
- $380 (current assessment)
- Days on market
- 84 days
Heads up on that tax figure. On new construction, the number in the MLS is often the tax on the bare lot, not the finished home. Expect it to jump once the county reassesses with the house on it. How Florida reassesses new builds
What would this home actually cost per month?
Pre-filled with this listing's price and HOA. Adjust anything to match your situation.
Estimated monthly payment
$4,464
$56,490 down (10%) on a $508,410 loan
- Principal and interest
- $3,213
- Property tax (estimated)
- $772
- Homeowners insurance
- $267
- PMI (under 20% down)
- $212
CDD defaults to zero, and that is often wrong.Many Tampa Bay new-construction communities carry a Community Development District assessment of roughly $1,500 to $3,000 a year on top of HOA, and it is rarely included in a builder's payment estimate. Ask whether this address is in a CDD before you budget.
The tax figure in the MLS looks like a bare-lot assessment. It lists $380 a year, while taxing this purchase price works out closer to $9,268. On new construction the county reassesses once the house is finished, so budget from the higher number.
Estimates only. Actual taxes, insurance, and assessments vary by address and change year to year.
Get the real numbers on this homeWhat is negotiable on this home?
Here is what this listing's numbers say about the builder's position.
On the market 84 daysContext
Still relatively fresh. Expect the sales office to hold firmer here than on inventory that has been sitting.
Reduced $25,000 (4%)Worth knowing
Originally listed at $589,900. A builder that has already cut once has acknowledged the first number did not work. That is a different conversation than one who has never moved.
Still under constructionContext
The builder has money in the ground but no finished house to carry, so there is less pressure than on standing inventory. The upside is that some finish selections are usually still open.
Where builders actually give
Rarely on the published base price. It sets the comp for every unsold home behind this one, and protecting it protects their appraisals. The real room is in closing cost credits, interest rate buydowns, and upgrades moved into the base. Asking for the right one in the right order is most of the job.
Virtual tour
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Listed by Compass Florida Llc. Listing data provided courtesy of Stellar MLS via Bridge Interactive. Information is deemed reliable but not guaranteed and is provided for consumers' personal, non-commercial use. 2139 20th Avenue SW, Largo, FL 33774 is presented by Barrett Henry, REMAX Collective. Prices, availability, and incentives change without notice.