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$595,000

For Sale - Active
12384 144th St, Largo, FL 33774
3 Beds
2 Baths
1,848 Square Feet
0.23 Acres Lot
Built in 1956
For Sale - Active
1 Units
Checked: 18 hours ago
Updated: Aug 08, 2025 at 03:18AM

Investment Summary


Monthly Cash Flow
-$1,043
Cap Rate
4.0%
Cash-on-Cash Return
-9.1%
Debt Coverage Ratio
0.66
Internal Rate of Return (5 years)
-4.9%

Property Description


0.23 Acres Lot
Built in 1956
For Sale - Active
1 Units

Cannonball into your new life -- this 3-bedroom, 2-bath POOL home in the coveted Yellow Banks neighborhood is Florida living at its finest. Just 5 minutes from the beach and steps from Largo Marina, this gem is perfect as a forever home or a money-making machine (was leased for $3,990/month long-term) and also has a great short term rental potential. No HOA, no flood zone, no drama. Inside, enjoy an open-concept layout with a stunning fieldstone fireplace, and a chef-worthy kitchen with stainless steel appliances, Bosch dishwasher, gas range, French door fridge, and double pantry for all your snack stashing needs. A spacious dining room and cozy family room overlook the pool, while ceramic tile and waterproof wood-look floors keep things classy and clean. The private primary suite features pool access, a spa-like steam shower for two, and a walk-in closet that connects directly to the laundry room. Functional AND fancy. Two more bedrooms and a full bath are up front for max privacy. Outside? A screened lanai, heated saltwater pool (new pump and heater!), and a fully fenced backyard ready for BBQs, garden dreams, or your dog’s zoomies. Bonus perks -- RV/trailer parking, EV charger, natural gas, and big-ticket upgrades like a 2019 roof, 2020 water heater, and 2018 A/C. You're on a natural ridge in flood zone X -- high, dry, and worry-free. Close to nature parks, top-rated schools, shopping, and dining -- this one checks every box. Schedule your showing today before someone else snags your backyard paradise.

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Location


Property Details


Parking

  • Description: Garage
  • Details: Electric Vehicle Charging Station(s), RV Access/Parking, Attached
  • Garage Spaces: 1
  • Spaces Total: 0

Bedroom Information

  • # of Bedrooms: 3

Bathroom Information

  • # of Baths (Full): 2
  • # of Baths (Total): 2.0

Interior Features

  • # of Rooms: 3
  • # of Stories: 1
  • Fireplace: Yes

Exterior Features

  • Exterior Walls Materials: Concrete Block
  • Foundation: Slab
  • Roof Type: Flat
  • Roof Material: Shingle
  • Pool: Yes

Land Information

  • Land Use: Residential
  • Land Use Subtype: Single Family Residential

Lot Information

  • Parcel ID: 073015995040000310
  • Lot Size: 9801 sqft

Property Information

  • Property Type: Single Family Residence
  • Year Built: 1956

Tax Information

  • Annual Tax: $9,060

Utilities

  • Water & Sewer: Public
  • Heating: Central
  • Cooling: Central Air

Location

  • County: Pinellas

Listing Details


Listed by:
Irina Roth LLC
DALTON WADE INC
(727) 871-3846

Source:
Stellar MLS
MLS#: TB8376420
Stellar MLS

Investment Summary


Monthly Cash Flow
-$1,043
Cap Rate
4.0%
Cash-on-Cash Return
-9.1%
Debt Coverage Ratio
0.66
Internal Rate of Return (5 years)
-4.9%

Purchase Details

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Purchase price:
$595,000
Amount financed:
-$476,000
Down payment:
$119,000
Closing costs:
$17,850
Rehab costs:
$0
Initial cash invested:
$136,850
Square feet:
1,848
Cost per square foot:
$322
Monthly rent per square foot:
$2.16

Financing Details

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Loan amount:
$476,000
Loan to value ratio:
80.0%
Loan type:
Amortizing
Term:
30 years
Interest rate:
6.625%
Principal & interest:
$3,048
Property tax:
$755
Insurance:
$280
Private mortgage insurance (PMI):
$0
Monthly payment:
$4,083

Operating Income

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% Rent Monthly Yearly
Gross rent:
$4,000 $48,000
Vacancy loss: (6%)
6% -$240 -$2,880
Operating income:
$3,760 $45,120

Operating Expenses


% Rent Monthly Yearly
Property taxes: (19%)
19%-$755-$9,061
Insurance: (7%)
7%-$280-$3,360
Property management: (8%)
8%-$320-$3,840
Repairs & maintenance: (5%)
5%-$200-$2,400
Capital expenditures: (5%)
5%-$200-$2,400
HOA fees: (n/a)
n/an/an/a
Total operating expenses: (44%)
44%-$1,755-$21,061

Cash Flow


Monthly Yearly
Net operating income:
$2,005 $24,060
Mortgage payments:
-$3,048 -$36,576
Cash flow:
$1,043 $12,516