
632 SHORE DRIVE, LARGO, FL, 33771
Active140 days on marketListed Mar 6, 2026MLS #TB8483210
About this home
632 SHORE DRIVE
Significant Price Reduction — Resort-Style Living at an Exceptional Value! Welcome to low-maintenance waterfront living in one of Largo’s rare X flood zone waterfront homes with direct access to Tampa Bay. Perfectly positioned on scenic Allen’s Creek, this beautifully updated pool home offers the waterfront lifestyle buyers are searching for — without the burden of major renovation projects, excessive maintenance, or required flood insurance. Completely move-in ready, the home has been thoughtfully upgraded with major improvements already completed, including a new roof (2023), interior remodel (2023), electrical panel (2023), pool and solar pool heater (2023), hot water heater (2022), HVAC system (2018), and seawall (2017). Impact Anderson double-pane windows in most rooms provide added energy efficiency and storm protection. Inside, natural light fills the open living spaces while peaceful water views create a relaxed coastal atmosphere throughout the home. The updated kitchen features stainless steel appliances, abundant cabinetry, and a charming coffee bar overlooking the water — the perfect place to start your morning while watching dolphins, manatees, and native birds pass through the creek. The outdoor living experience is where this property truly shines. Sliding glass doors open to a spacious screened lanai, sparkling pool, and private waterfront setting designed for entertaining, relaxing, and enjoying the Florida lifestyle year-round. The solar-heated pool also features app-controlled color-changing lighting, creating an incredible atmosphere for evening swims and waterfront gatherings. For boating and outdoor enthusiasts, Allen’s Creek offers over 11 miles of navigable waterways leading directly to Tampa Bay. Kayaking, paddle boarding, fishing, and boating are all accessible from your backyard. The property also includes water rights, offering added flexibility and convenience for buyers interested in building a future dock or boat lift. The home features two spacious bedrooms, including a waterfront primary suite with multiple closets, a walk-in closet, and en-suite bath. The layout is ideal for buyers seeking a turnkey waterfront primary residence, second home, seasonal retreat, or downsized luxury lifestyle. Buyers looking for additional space will also appreciate the potential opportunities to expand or reconfigure the home in the future. Located just minutes from award-winning Gulf beaches, Eagle Lake Park, Largo Central Park, Highland Recreation Complex, shopping, dining, and everyday conveniences, this property offers a rare opportunity to enjoy updated waterfront living in a non-flood zone — an increasingly hard-to-find combination in Pinellas County.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,199
Sqft
0.18 ac
Lot size
1
Garage
1965
Year built
One
Levels
$500
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.
$4,127 /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
$4,127/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.
vs edgeAI estimate
+59.6%
$/sqft vs Largo actives
$500 vs $236
Days on market
140 vs 42 typical
Where $500/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 Keene
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Keene — neighborhood snapshot
Population
1,406
Median age
52
Median income
$74,261
Median home value
$345,400
Avg household
2
Households w/ children
125
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)
199 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 173% above the LARGO 33771 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 632 SHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$385,500
2945 BROOKFIELD DRIVE · same community
2 bd · 1.5 ba · 1,228 sqft · $314/sqft · 81 DOM
Sold · Jan ’26$305,000
3372 KEENE PARK DRIVE · same community
2 bd · 2.5 ba · 1,075 sqft · $284/sqft · 7 DOM
Sold · Oct ’25$337,500
522 GERSHWIN DRIVE · same community
2 bd · 2 ba · 1,337 sqft · $252/sqft · 7 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 632 SHORE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 632 SHORE 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
632 SHORE DRIVE FAQs
What would the monthly payment be for 632 SHORE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,127/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 632 SHORE DRIVE?+
The most recent tax bill on record (2025) was $6,056. 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 632 SHORE DRIVE?+
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 $600,000, this home is listed about 123% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 632 SHORE DRIVE?+
Largo High School (high), Ponce De Leon Elementary School (elementary), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$600,000 runs 173% above the LARGO 33771 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
140 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Largo High School, Ponce De Leon Elementary School, Largo Middle School — Ponce De Leon Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $689,000, now $600,000 — a $89K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOFACKER & ASSOCIATES INC · Heather MacNeale. MLS #TB8483210.
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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