12965 PINEFOREST WAY W, LARGO, FL, 33773
Active1 days on marketListed Jul 31, 2026MLS #TB8534829
About this home
12965 PINEFOREST WAY W
Welcome to this beautifully maintained home in the highly desirable, deed-restricted Pine Forest community! Built in 2000 and located in a non-flood zone, this move-in-ready residence offers the perfect blend of comfort, style, and peace of mind. Designed with an inviting open floor plan, the spacious great room showcases soaring cathedral ceilings, fireplace, creating a bright and airy gathering space for family and friends. Luxury vinyl flooring flows throughout the home and is complemented by plantation shutters on every window. French doors open to the screened pool and lanai from both the living room and primary bedroom, creating the perfect indoor-outdoor Florida lifestyle. The well-appointed kitchen features granite countertops, a breakfast bar, pantry, and ample cabinet and counter space, making it ideal for both everyday living and entertaining. An inside laundry room adds convenience and functionality. The thoughtfully designed split-bedroom floor plan provides privacy for owners and guests alike. The spacious primary suite boasts a vaulted ceiling, French doors leading to the pool, a custom walk-in closet, and an en-suite bath featuring dual sinks and a generous vanity. Step outside to your private backyard oasis featuring a sparkling screened saltwater pool, enhanced with a recently installed new pool pump, motor, and saltwater system. The pool area is surrounded by white vinyl privacy fencing, offering the perfect setting for relaxing or entertaining year-round. Additional highlights include a new roof (only 7 months old), double-pane windows, hurricane protection, and a spacious 2-car garage with overhead storage, providing plenty of room for vehicles, tools, and seasonal items. Conveniently located near shopping, dining, parks, excellent schools, Gulf beaches, and major commuter routes, this exceptional Pine Forest home offers quality construction, thoughtful upgrades, and an unbeatable location. Don't miss this opportunity to make this beautiful Florida home your own!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,484
Sqft
0.12 ac
Lot size
2
Garage
2000
Year built
One
Levels
$354
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,114 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,114/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+5.5%
$/sqft vs Largo actives
$354 vs $240
Days on market
1 vs 42 typical
Where $354/sqft sits among the 400 Largo actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33773 — neighborhood snapshot
Population
16,918
Median age
46.5
Median income
$74,115
Median home value
$280,600
Avg household
2.39
Households w/ children
1,373
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
203 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 119% above the LARGO 33773 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12965 PINEFOREST WAY W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$555,000
12711 PINEFOREST WAY E · same community
3 bd · 2 ba · 1,496 sqft · $371/sqft · 1 DOM
Sold · Oct ’25$537,000
12744 PINEFOREST WAY E · same community
3 bd · 2 ba · 1,547 sqft · $347/sqft · 25 DOM
Sold · Oct ’25$550,000
12661 PINEFOREST WAY E · same community
3 bd · 2 ba · 1,563 sqft · $352/sqft · 2 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12965 PINEFOREST WAY W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12965 PINEFOREST WAY W — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derrion's phone and CRM.
Straight answers
12965 PINEFOREST WAY W FAQs
What would the monthly payment be for 12965 PINEFOREST WAY W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,114/mo — principal and interest, the actual property-tax bill, the $24/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 12965 PINEFOREST WAY W?+
The association fee works out to $24 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12965 PINEFOREST WAY W?+
The most recent tax bill on record (2025) was $7,281. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12965 PINEFOREST WAY W?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Largo?+
At $525,000, this home is listed about 95% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12965 PINEFOREST WAY W?+
Southern Oak Elementary School (elementary), Osceola Middle School (middle), Pinellas Park High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$525,000 runs 119% above the LARGO 33773 median — but at 1,484 sqft it's also 21% larger than the typical Largo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Largo market that averages 42 — if it fits, move quickly.
04Strong assigned schools
Southern Oak Elementary School, Osceola Middle School, Pinellas Park High School — Southern Oak Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kelly Fenlon. MLS #TB8534829.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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