Largo
Mortgages

Largo by the numbers

Median prices: Florida Realtors, August 2026 metro report. These are metro-wide figures, not Largo alone. Loan limits: HUD and FHFA.

Largo's resale homes mostly fall well under the county's FHA and conforming limits, so FHA, conventional and down payment assistance all stay in play. Waterfront homes near Clearwater Harbor are the main exception.

What buyers in Largo should know

• Roof age drives insurance. Many Florida insurers won't write a policy on an older roof. Get the roof's age and a 4-point inspection early. See Florida property insurance.
• Manufactured homes need the right loan. Largo has many manufactured-home communities. A mortgage generally works when the home is permanently attached to land you own. A home on a leased lot in a park usually needs a different kind of loan.
• Condos and villas must pass the lender's condo review, and older buildings fall under Florida's milestone-inspection and reserve rules.
• Check the flood zone on homes near the Intracoastal and the creeks before you offer, even if the house didn't flood in 2024.

Where buyers look

• Downtown Largo and Central Park: older single-family homes close to shopping and the Pinellas Trail.
• Ridgecrest and Oakhurst: unincorporated neighborhoods with larger lots.
• Walsingham and Bardmoor: established subdivisions and golf-course homes on the west side.
• Harbor Bluffs: waterfront homes on Clearwater Harbor, where flood zones and jumbo loans come up.

Homestead and property taxes

File for the homestead exemption with the Pinellas County Property Appraiser by March 1 of the year after you close. Your bill resets to the new assessed value after a sale, so don't budget on the seller's taxes.

Nearby: St. Petersburg · Clearwater · Dunedin · Palm Harbor · Tarpon Springs