$370,000
SOLD AUG 8, 2025

11520 Shipwatch Dr Unit 1385 Largo, FL 33774

Shipwatch Yacht Club Neighborhood
2 Beds
2 Baths
1,235 Sq Ft
$1,036/mo HOA Fee

Recently Sold

$300 Per Sq Ft

12% Below List Price

80 Days on Market

Highlights

  • Marina
  • Gated Community
  • High Ceiling
  • Oakhurst Elementary School Rated A-
  • Clubhouse
  • Community Pool

About This Home

As of August 2025

Welcome to Shipwatch Yacht & Tennis Club, a stunning 56-acre gated waterfront community just minutes from the sugar-white sands of Indian Rocks Beach. Whether you’re a snowbird searching for the perfect vacation retreat or a Florida local looking for a full-time home, this beautifully remodeled 2-bedroom, 2-bath upstairs condo delivers the ultimate in coastal living. Inside, you’ll find a spacious and sunlit living and dining area with vaulted ceilings that seamlessly flow into a modern kitchen featuring sleek quartz countertops, stainless steel appliances, and contemporary cabinetry. The oversized primary suite offers a large walk-in closet, a luxurious whirlpool tub, and extra space that’s perfect for a home office or a cozy reading corner. The enclosed back terrace invites you to relax with serene pond views and a refreshing coastal breeze, accessible from both the living room and the primary bedroom. A detached one-car garage, and plenty of guest parking nearby complete the convenience and comfort of this home.
Just steps away, one of the two community clubhouses awaits, offering a heated pool, Jacuzzi, fitness center, barbecue area, and vibrant social spaces. Shipwatch is packed with incredible amenities including eleven tennis courts with an on-site tennis pro, pickleball courts, a private 32-slip marina, nature trails, freshwater artesian springs, and a lively calendar of social events, live music, and gatherings.

The monthly HOA fee of $1,036 is packed with value, covering hazard insurance, flood insurance, roof and exterior maintenance, beautifully maintained grounds, water, cable, high-speed internet, and access to all the resort-style amenities. This means you can enjoy two sparkling pools (including an Olympic-sized and a heated lap pool), relaxing Jacuzzis, fully equipped fitness centers, tennis and pickleball courts, marina access, scenic walking trails, a car wash area, and so much more—all without worrying about separate service fees or upkeep.

Last Agent to Sell the Property

Roman Donato Ruiz

LPT REALTY, LLC Brokerage Phone: 877-366-2213 License #3533085 Listed on: 04/23/2025

LPT REALTY, LLC

Last Buyer's Agent

Marla Padags

BHHS FLORIDA PROPERTIES GROUP License #3515078

BHHS FLORIDA PROPERTIES GROUP

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $5,686

Year Built

  • Built in 1989

HOA Fees

  • $1,036 Monthly HOA Fees

Parking

  • 1 Car Garage

Home Design

  • Entry on the 2nd floor
  • Slab Foundation
  • Frame Construction
  • Shingle Roof
  • Cement Siding
  • Block Exterior

Interior Spaces

  • 1,235 Sq Ft Home
  • 2-Story Property
  • High Ceiling
  • Ceiling Fan
  • Combination Dining and Living Room
  • Vinyl Flooring

Kitchen

  • Range with Range Hood
  • Microwave
  • Dishwasher

Bedrooms and Bathrooms

  • 2 Bedrooms
  • Walk-In Closet
  • 2 Full Bathrooms

Laundry

  • Laundry in Hall
  • Dryer
  • Washer

Utilities

  • Central Heating and Cooling System
  • Thermostat
  • Electric Water Heater
  • Cable TV Available

Additional Features

  • Balcony
  • East Facing Home

Listing and Financial Details

Community Details

Overview

  • Association fees include cable TV, pool, internet, maintenance structure, ground maintenance, recreational facilities, sewer, trash, water
  • Shipwatch Three Condominium Association, Inc. Association
  • Shipwatch Subdivision
  • The community has rules related to allowable golf cart usage in the community

Amenities

  • Clubhouse
  • Community Mailbox

Recreation

  • Marina
  • Tennis Courts
  • Community Pool

Security

  • Gated Community

Property Details

Home Type

Condominium

Est. Annual Taxes

$5,686

Year Built

Built in 1989

Lot Details

0

HOA Fees

$1,036 per month

Parking

1

Listing Details

  • HOA Fee Includes: Cable TV, Pool, Internet, Maintenance Structure, Maintenance Grounds, Recreational Facilities, Sewer, Trash, Water
  • Property Type: Residential
  • Property Sub Type: Condominium
  • Construction Materials: Block, Cement Siding, Frame
  • Fireplace: No
  • Living Area: 1235
  • Lot Size Acres: 0.55
  • New Construction: No
  • Year Built: 1989
  • Building Area Total: 1235
  • Lot Size Sq Ft: 24053
  • Directions to Property: To reach 11520 Shipwatch Dr in Largo, FL, begin by heading southeast on US-19 S toward FL-690. After approximately one mile, take the exit for 110th Avenue North. Merge briefly onto the U.S. 19 Frontage Road, then make a U-turn and continue for 0.2 miles. Use the left lane to take the ramp onto US-19 North and drive for just over a mile. Take the Ulmerton Road exit toward FL-688/Tampa and merge back onto the U.S. 19 Frontage Road. In about 0.2 miles, use the left two lanes to turn onto FL-688 West. Continue on FL-688 W for nearly eight miles, passing landmarks such as Jiffy Lube along the way. Next, make a slight left toward Shipwatch Drive, then turn left at the first cross street to enter the Shipwatch community. Stay on Shipwatch Drive by turning right, and follow the road as it becomes Shipwatch Lane. Shortly after, make a right turn, and your destination—11520 Shipwatch Drive—will be on the left.
  • Status: Sold
  • Ownership: Fee Simple
  • Available for Lease YN: 0
  • Escrow City: St, Petersburg
  • Escrow Postal Code: 33704
  • Escrow State: FL
  • Escrow Street Name: 4th Street N
  • Escrow Street Number: 3401
  • Floor Number: 2
  • List Office Head Office Key Nume: 524162049
  • RATIO Current Price By Calculate: 299.60
  • Unit Number YN: 0
  • Water Access YN: 0
  • MFR_InLawSuiteYN: 0
  • MFR_CommunityAssociationWaterFeatures: Marina
  • Attribution Contact: 877-366-2213
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Vinyl
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), High Ceilings, Living Room/Dining Room Combo, Thermostat, Walk-In Closet(s)
  • Appliances Included: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 2
  • Levels: One
  • Stories: 2
  • Street Number Modifier: 11520
  • Living Area Meters: 114.74
  • Room Count: 8

Exterior Features

  • Direction Faces: East
  • Exterior Features: Balcony
  • Roof: Shingle
  • Pool Private: No
  • Waterfront: No
  • Road Surface Type: Asphalt
  • Water Extras YN: 0
  • Water View YN: 0
  • Waterfront Feet Total: 0
  • Flood Zone Date: 2021-08-24
  • Flood Zone Panel: 12103C0113H

Garage/Parking

  • Attached Garage: No
  • Carport Y N: No
  • Garage Spaces: 1
  • Garage Yn: Yes

Utilities

  • Utilities: Cable Connected, Water Connected
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Corridor Access
  • Sewer: Public Sewer
  • Water Source: See Remarks

Condo/Co-op/Association

  • Community Features: Buyer Approval Required, Clubhouse, Community Mailbox, Gated Community - No Guard, Golf Carts OK, Pool, Sidewalks, Tennis Court(s)
  • Association: No
  • Senior Community: No
  • Association #2 Fee: 1036
  • Association #2 Fee Frequency: Monthly
  • Association: Shipwatch Three Condominium Association, Inc.
  • Association 2 YN: 1
  • Association Fee Requirement: None
  • Building Name Number: 11520
  • Condo Land Included YN: 0
  • Montly Maint Amt Addition To HOA: 0

Fee Information

  • Total Annual Fees: 12432.00
  • Total Monthly Fees: 1036.00

Lot Info

  • Parcel Number: 13-30-14-81166-002-1385
  • Additional Parcels: No
  • Flood Zone Code: X500
  • Homestead YN: 1
  • Lot Size Square Meters: 2235

Green Features

  • Green Verification Count: 0

Tax Info

  • Tax Annual Amount: 5686
  • Tax Block: 0
  • Tax Book Number: 103-63
  • Tax Lot: 0

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Apr 23, 2025
Closed on
Aug 6, 2025
Sold by
Vera Trust and Rosenow Martha Cecilia
Bought by
Gaddis Michael K and Gaddis Theresa R
Seller's Agent
Roman Donato Ruiz
LPT REALTY, LLC
Buyer's Agent
Marla Padags
BHHS FLORIDA PROPERTIES GROUP
List Price
$420,000
Sold Price
$370,000
Premium/Discount to List
-$50,000
-11.9%
Views
16

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
42.37%

Purchase Details

Closed on
May 4, 2023
Sold by
Rosenow Martha C
Bought by
Vera Trust

Purchase Details

Listed on
Apr 27, 2018
Closed on
May 17, 2019
Sold by
Harden Patricia J
Bought by
Rosenow Martha C
Seller's Agent
Debra McPherson
COLDWELL BANKER REALTY
Buyer's Agent
Stellar Non-Member Agent
Stellar Non-Member Office
List Price
$189,800
Sold Price
$165,000
Premium/Discount to List
-$24,800
-13.07%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
14.26%
Original Mortgage
$99,000
Interest Rate
3.5%
Mortgage Type
Adjustable Rate Mortgage/ARM

Purchase Details

Closed on
Jan 16, 2001
Sold by
Bank United
Bought by
Harden Patricia J

Purchase Details

Closed on
Oct 16, 2000
Sold by
Clerk Of The Court
Bought by
Bank United
Source: Public Records

Range of Values:

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Average Value
Not Available
List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $370,000 Fidelity National Title Of Flo
Quit Claim Deed $100 None Listed On Document
Quit Claim Deed $100 None Listed On Document
Warranty Deed $165,000 Sunbelt Title Agency
Deed $118,900 --
Deed $96,200 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $110,400 Credit Line Revolving
Previous Owner $99,000 Adjustable Rate Mortgage/ARM
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/08/2025 08/08/25 Sold $370,000 -6.3% $300 / Sq Ft
07/12/2025 07/12/25 Pending -- -- --
05/15/2025 05/15/25 Price Changed $395,000 -6.0% $320 / Sq Ft
04/23/2025 04/23/25 For Sale $420,000 +154.5% $340 / Sq Ft
05/17/2019 05/17/19 Sold $165,000 -10.7% $134 / Sq Ft
04/10/2019 04/10/19 Pending -- -- --
03/13/2019 03/13/19 Price Changed $184,800 -2.6% $150 / Sq Ft
03/12/2019 03/12/19 For Sale $189,800 0.0% $154 / Sq Ft
03/10/2019 03/10/19 Pending -- -- --
02/08/2019 02/08/19 Price Changed $189,800 -2.6% $154 / Sq Ft
01/08/2019 01/08/19 Price Changed $194,800 -2.5% $158 / Sq Ft
04/27/2018 04/27/18 For Sale $199,800 -- $162 / Sq Ft
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $1,900 $316,161 -- $316,161
2023 $1,900 $128,506 $0 $0
2022 $1,795 $124,763 $0 $0
2021 $1,806 $121,129 $0 $0
2020 $3,230 $161,905 $0 $0
2019 $3,210 $159,176 $0 $159,176
2018 $3,037 $153,724 $0 $0
2017 $2,832 $139,514 $0 $0
2016 $2,924 $142,245 $0 $0
2015 $2,836 $135,932 $0 $0
2014 $2,654 $125,600 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: TB8372185

Stellar MLS

APN: 13-30-14-81166-002-1385