$1,660,000
SOLD AUG 15, 2025
4 Beds
3 Baths
2,554 Sq Ft
5,981 Sq Ft Lot

Recently Sold

$650 Per Sq Ft

8% Below List Price

108 Days on Market

Highlights

  • White Water Ocean Views
  • Dock has access to electricity and water
  • Boat Lift
  • Largo High School Rated A-
  • Water access To Gulf or Ocean
  • Property Fronts a Bay or Harbor

About This Home

As of August 2025

Experience breathtaking sunsets over the Gulf from this exquisite Bayfront Pool Home nestled in an exclusive 24-hour Guard-Gated Community located directly across from Sand Key's pristine white sandy Beach, this stunning 4-bedroom, 3-bath pool home offers the ultimate coastal lifestyle. Uniquely positioned on protected calm bay waters with western exposure and Gulf views, the backyard provides a front-row seat to breathtaking sunsets, abundant sea life, and your own private 35' dock with 10,000 LB boat lift to enjoy immediate access to the Intracoastal Waterway & Gulf Inlet.
Among the many highlights of this luxury residence are a NEW TILE ROOF (in 2025), freshly painted exterior, a 35ft "Cool Feet" Dock, a waterfront heated pool, automated irrigation system and whole-house water filtration. This elevated 2-story home features an open layout with soaring high ceilings, modern stone fireplace, custom designer window treatments and high-end updates throughout. The FIRST FLOOR PRIMARY SUITE features a luxury spa-inspired bathroom, walk-in closet with custom built-in shelving and its own direct access to the waterfront pool. Additional first floor conveniences include a second bedroom with ensuite bath, and a laundry room with custom wood cabinetry and natural quartz countertops. Upstairs you'll find two spacious bedrooms, a full bath and an abundance of oversized windows that invite natural light and stunning views of the bay and passing boats out on the Gulf.
The Seller's Flood Insurance Policy is transferrable and this home is being sold with furniture included for an effortless transition to your new coastal lifestyle.

Last Agent to Sell the Property

Michelle Pannoni

CHARLES RUTENBERG REALTY INC Brokerage Phone: 727-584-7355 License #3105784 Listed on: 02/22/2025

CHARLES RUTENBERG REALTY INC

Last Buyer's Agent

Stellar Non-Member Agent

STELLAR NON-MEMBER OFFICE

STELLAR NON-MEMBER OFFICE

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $9,937

Year Built

  • Built in 1998

Lot Details

  • 5,981 Sq Ft Lot
  • Lot Dimensions are 45x130
  • Property Fronts a Bay or Harbor
  • East Facing Home
  • Landscaped
  • Private Lot

HOA Fees

  • $273 Monthly HOA Fees

Parking

  • 2 Car Attached Garage
  • Garage Door Opener
  • Secured Garage or Parking

Property Views

  • White Water Ocean
  • Partial Bay or Harbor

Home Design

  • Elevated Home
  • Slab Foundation
  • Tile Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 2,554 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Furnished
  • Built-In Features
  • Shelving
  • Bar
  • Vaulted Ceiling
  • Ceiling Fan
  • Wood Burning Fireplace
  • Window Treatments
  • Sliding Doors
  • Living Room with Fireplace
  • Dining Room
  • Inside Utility

Kitchen

  • Eat-In Kitchen
  • Breakfast Bar
  • Walk-In Pantry
  • Built-In Oven
  • Cooktop
  • Microwave
  • Ice Maker
  • Dishwasher
  • Wine Refrigerator
  • Stone Countertops
  • Solid Wood Cabinet
  • Disposal

Flooring

  • Carpet
  • Laminate
  • Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • En-Suite Bathroom
  • Walk-In Closet
  • 3 Full Bathrooms
  • Tall Countertops In Bathroom

Laundry

  • Laundry Room
  • Dryer
  • Washer

Home Security

  • Security System Owned
  • Fire and Smoke Detector

Pool

  • Heated In Ground Pool
  • Gunite Pool
  • Pool Deck
  • Pool Tile
  • Pool Lighting

Outdoor Features

  • Water access To Gulf or Ocean
  • Access To Intracoastal Waterway
  • No Fixed Bridges
  • Property is near a marina
  • Seawall
  • No Wake Zone
  • Boat Lift
  • Dock has access to electricity and water
  • Dock made with wood
  • Deeded Boat Dock
  • Dock made with Composite Material
  • Covered Patio or Porch
  • Rain Gutters
  • Private Mailbox

Utilities

  • Central Heating and Cooling System
  • Underground Utilities
  • Water Filtration System
  • Electric Water Heater
  • Phone Available
  • Cable TV Available

Additional Features

  • Reclaimed Water Irrigation System
  • Property is near public transit

Listing and Financial Details

Community Details

Overview

  • Association fees include 24-Hour Guard, common area taxes, escrow reserves fund, ground maintenance, private road, security
  • Associa Gulf Coast Association, Phone Number (727) 577-2200
  • Visit Association Website
  • Moorings Of Sand Key The Subdivision
  • The community has rules related to deed restrictions, allowable golf cart usage in the community

Security

  • Security Guard
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$9,937

Year Built

Built in 1998

Lot Details

0

HOA Fees

$273 per month

Parking

2

Listing Details

  • HOA Fee Includes: Guard - 24 Hour, Common Area Taxes, Escrow Reserves Fund, Maintenance Grounds, Private Road, Security
  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block, Stucco
  • Fireplace: Yes
  • Living Area: 2554
  • Lot Size Acres: 0.14
  • New Construction: No
  • Year Built: 1998
  • Building Area Total: 3095
  • Lot Size Sq Ft: 5981
  • Status: Sold
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 287.53
  • Escrow State: FL
  • Minimum Lease: 3 Months
  • RATIO Current Price By Calculate: 649.96
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 1
  • Property Description: Elevated
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Composite,Dock - Slip Deeded On-Site,Dock - Wood,Dock w/Electric,Dock w/Water Supply,Lift
  • MFR_DockYN: 1
  • MFR_CommunityAssociationWaterFeatures: Bay/Harbor Front,Canal Front,Intracoastal Waterway,Waterfront
  • Attribution Contact: 727-584-7355
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Fireplace Features: Living Room, Wood Burning
  • Living Area Units: Square Feet
  • Flooring: Carpet, Tile
  • Full Bathrooms: 3
  • Interior Amenities: Built-in Features, Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Stone Counters, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
  • Appliances Included: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Filtration System, Wine Refrigerator
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Other Equipment: Irrigation Equipment
  • Stories: 2
  • Additional Rooms: Inside Utility
  • Living Area Meters: 237.27

Exterior Features

  • Direction Faces: East
  • Pool Features: Deck, Gunite, Heated, In Ground, Lighting, Tile
  • Exterior Features: Private Mailbox, Rain Gutters, Sidewalk, Sliding Doors, Sprinkler Metered
  • Roof: Tile
  • Pool Private: Yes
  • View: Water
  • Water Body Name: CLEARWATER HARBOR
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Screened
  • Road Surface Type: Paved
  • Water Access: Bay/Harbor,Gulf/Ocean,Intracoastal Waterway
  • Water Extras: Bridges - No Fixed Bridges,Lift,No Wake Zone,Sailboat Water,Seawall - Concrete
  • Water View: Bay/Harbor - Full,Gulf/Ocean - Partial
  • Water View YN: 1
  • Waterfront Feet Total: 0

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes
  • Parking Features: Garage Door Opener

Utilities

  • Utilities: Cable Connected, Electricity Connected, Natural Gas Available, Phone Available, Public, Sewer Connected, Sprinkler Meter, Underground Utilities, Water Connected
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Inside, Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Deed Restrictions, Gated Community - Guard, Golf Carts OK, Irrigation-Reclaimed Water, Sidewalks
  • Association Amenities: Gated
  • Association Fee: 273
  • Association Fee Frequency: Monthly
  • Association Name: Associa Gulf Coast
  • Phone: 727-577-2200
  • Association: Yes
  • Security: Gated Community, Secured Garage/Parking, Security System Owned, Smoke Detector(s)
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Buyer to verify pet restrictions with Association.
  • Association Fee Requirement: Required
  • Association Email: info@associagulfcoast.com
  • Pet Size: Extra Large (101+ Lbs.)
  • Association URL: www.associagulfcoast.com

Fee Information

  • Total Annual Fees: 3276.00
  • Total Monthly Fees: 273.00
  • Monthly HOA Amount: 273.00

Lot Info

  • Parcel Number: 30-29-15-58920-000-0030
  • Additional Parcels: No
  • Lot Features: City Limits, Landscaped, Near Marina, Near Public Transit, Sidewalk, Paved, Private
  • Lot Dimensions: 45x130
  • Flood Zone Code: AE

Green Features

  • Green Water Conservation: Irrigation-Reclaimed Water

Rental Info

  • Furnished: Furnished
  • Pets Allowed: Breed Restrictions, Cats OK, Dogs OK, Yes
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Buyer to verify lease restrictions with Association.

Tax Info

  • Tax Annual Amount: 9937.23
  • Tax Block: 000
  • Tax Book Number: 110-11
  • Tax Lot: 3

Multi Family

  • Waterfront Features: Bay/Harbor

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Feb 22, 2025
Closed on
Aug 15, 2025
Sold by
Schuster Peter
Bought by
Swanson Terry and Swanson Kerry
Seller's Agent
Michelle Pannoni
CHARLES RUTENBERG REALTY INC
Buyer's Agent
Stellar Non-Member Agent
STELLAR NON-MEMBER OFFICE
List Price
$1,795,000
Sold Price
$1,660,000
Premium/Discount to List
-$135,000
-7.52%
Views
100
Current Estimated Value
$1,656,973

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$3,027
Avg. Annual Appreciation
-8.34%
Original Mortgage
$1,000,000
Outstanding Balance
$990,644
Interest Rate
6.72%
Mortgage Type
New Conventional
Estimated Equity
$615,320

Purchase Details

Closed on
Dec 29, 2005
Sold by
Rankine Robert R and Rankine Sharron A
Bought by
Schuster Peter

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$195,000
Interest Rate
6.19%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
Jul 3, 2000
Sold by
Odell Gail G
Bought by
Rankine Robert R and Rankine Sharron

Purchase Details

Closed on
Jul 9, 1998
Sold by
Ryland Group Inc
Bought by
O'Dell Thomas L and O'Dell Gail G

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$220,000
Interest Rate
7.04%
Mortgage Type
Balloon

Purchase Details

Closed on
Dec 9, 1997
Sold by
Gordon Marden S
Bought by
The Ryland Group Inc
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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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 $1,660,000 Fidelity National Title Of Flo
Warranty Deed $975,000 Sunbelt Title Agency
Warranty Deed $47,000 --
Warranty Deed $320,500 --
Deed $106,200 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $1,000,000 New Conventional
Previous Owner $195,000 Credit Line Revolving
Previous Owner $780,000 Purchase Money Mortgage
Previous Owner $220,000 Balloon
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
08/15/2025 08/15/25 Sold $1,660,000 -1.8% $650 / Sq Ft
06/10/2025 06/10/25 Pending -- -- --
05/18/2025 05/18/25 Price Changed $1,690,000 -5.8% $662 / Sq Ft
02/22/2025 02/22/25 For Sale $1,795,000 -- $703 / 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
2025 $9,937 $583,199 -- --
2024 $9,791 $566,763 -- --
2023 $9,791 $550,255 $0 $0
2022 $9,539 $534,228 $0 $0
2021 $9,682 $518,668 $0 $0
2020 $9,662 $511,507 $0 $0
2019 $9,505 $500,007 $0 $0
2018 $9,385 $490,684 $0 $0
2017 $8,966 $480,592 $0 $0
2016 $8,361 $444,666 $0 $0
2015 $8,485 $441,575 $0 $0
2014 $8,446 $438,070 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: TB8353631

Stellar MLS

APN: 30-29-15-58920-000-0030