Derek Perez
$429,0003 bd2 ba1,849 sqft$232 /sqft$3,062 /mo all-in ↓

11435 OVAL DRIVE E, LARGO, FL, 33774

Active1 days on marketListed Jul 24, 2026MLS #TB8532708

Single Family ResidenceINDIAN ROCKS HIGHLANDS

About this home

11435 OVAL DRIVE E

Welcome to this charming home filled with endless possibilities. Whether you are looking for your next renovation project, investment opportunity or forever home, this property is ready to bring your vision to life. Step inside to a spacious, light-filled floor plan featuring a large living area and a screened-in lanai overlooking the peaceful water view -the perfect spot to enjoy your morning coffee or entertain your family and friends in the evening. Located in the quiet, established neighborhood with beautiful homes and very little through traffic, you enjoy both privacy and convenience. Located just minutes away from Florida best Beaches with breathtaking Gulf sunsets. Bring your vision and transform this home into something truly exceptional.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,849

Sqft

0.26 ac

Lot size

2

Garage

1961

Year built

One

Levels

$232

Per sqft

Inside

FlooringLaminate · Linoleum
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Microwave · Refrigerator
InteriorCeiling Fan(s) · Thermostat
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesSouth
ExteriorNone

Community & fees

Taxes (2025)$2,245/yr

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,062 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,525
FHA mortgage insurance (est.)$190
Property tax — 2025 actual bill$187
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,015Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,015
Interest rate6.00%
Loan term

Estimated payment

$3,062/mo

Principal & interest$2,525
FHA mortgage insurance (est.)$190
Property taxes (actual bill)$187
Est. insurance$160

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.

List $429K
$412KedgeAI estimate $532,916 · range $513K$583K$606K

vs edgeAI estimate

−19.5%

Days on market

1 vs 42 typical

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

Map of 11435 OVAL DRIVE E

Drive times from this address

Downtown Tampa36 min
Tampa Int’l Airport (TPA)36 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Largo. See the full Largo guide →

LARGO 33774 — neighborhood snapshot

Population

20,018

Median age

49.1

Median income

$76,769

Median home value

$315,200

Avg household

2.38

Households w/ children

1,963

For the school run

Pinellas County School District

ElementaryOakhurst Elementary School★★★★
MiddleSeminole Middle School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Largo market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$340K$325K

Largo median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 107% above the LARGO 33774 median. See the full Largo market guide →

Paper trail

This home's history

Jul 24, 2026Listed at $429,000 · 1 days on market since
1961Built · INDIAN ROCKS HIGHLANDS

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.

Derek Perez

Your agent

Derek Perez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 11435 OVAL DRIVE E — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11435 OVAL DRIVE E — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Derek's phone and CRM.

Goes straight to Derek’s phone and CRM.

Straight answers

11435 OVAL DRIVE E FAQs

What would the monthly payment be for 11435 OVAL DRIVE E?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,062/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 11435 OVAL DRIVE E?+

The most recent tax bill on record (2025) was $2,245. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Largo?+

At $429,000, this home is listed about 59% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 11435 OVAL DRIVE E?+

Oakhurst Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$429,000 runs 107% above the LARGO 33774 median — but at 1,849 sqft it's also 51% larger than the typical Largo listing.

02Fresh on the market

Only 1 day on market in a Largo market that averages 42 — if it fits, move quickly.

03Strong assigned schools

Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of CHARLES RUTENBERG REALTY INC · Tetiana Gapych. MLS #TB8532708.

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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