12692 PINEWAY DRIVE, LARGO, FL, 33773
Active10 days on marketListed Jul 14, 2026MLS #O6425011
About this home
12692 PINEWAY DRIVE
Welcome to this exceptional waterfront home on the shores of Lake Seminole. This spacious residence features six bedrooms and four bathrooms, thoughtfully designed to accommodate large gatherings and comfortable everyday living. Enjoy a resort-style backyard with a heated swimming pool, spa, beautiful waterfront views, and multiple outdoor entertaining areas. Inside, the home includes a game room with arcade games, a pool table, and ping pong, a fully equipped kitchen, and generous dining and living spaces. Conveniently located just minutes from Clearwater Beach, Indian Rocks Beach, restaurants, shopping, golf courses, Tampa International Airport, and St. Pete-Clearwater International Airport.
Facts & features
The home at a glance
6
Bedrooms
4
Bathrooms
2,405
Sqft
0.22 ac
Lot size
2
Garage
1989
Year built
One
Levels
$374
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 — not generic estimates.
$6,390 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,390/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Largo actives
$374 vs $236
Days on market
10 vs 42 typical
Where $374/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)
202 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 309% above the LARGO 33773 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12692 PINEWAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$437,500
12836 PINEWAY DRIVE · same community
3 bd · 2 ba · 1,465 sqft · $299/sqft · 5 DOM
Sold · Jun ’26$525,200
12909 PINEWAY DRIVE · same community
3 bd · 2 ba · 1,383 sqft · $380/sqft · 16 DOM
Sold · Jan ’26$385,000
12909 PINEWAY DRIVE · same community
3 bd · 2 ba · 1,383 sqft · $278/sqft · 19 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12692 PINEWAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12692 PINEWAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
12692 PINEWAY DRIVE FAQs
What would the monthly payment be for 12692 PINEWAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,390/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 12692 PINEWAY DRIVE?+
The most recent tax bill on record (2025) was $12,439. 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 12692 PINEWAY DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $900,000, this home is listed about 234% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12692 PINEWAY DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$900,000 runs 309% above the LARGO 33773 median — but at 2,405 sqft it's also nearly twice the size of 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.
03Strong 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 BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6425011.
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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