13157 THOROUGHBRED LOOP, LARGO, FL, 33773
Active1 days on marketListed Aug 6, 2026MLS #O6431204
About this home
13157 THOROUGHBRED LOOP
Virtually Staged. Welcome to this well-maintained townhome located in the desirable Cumberland Trace community. This home features a functional layout with comfortable living spaces designed for everyday convenience. The interior offers a welcoming living area, a well-appointed kitchen, and bedrooms that provide privacy and flexibility for various needs, including a primary retreat, guest accommodations, home office, or personal space. Enjoy the benefits of community amenities, including a pool, clubhouse, fitness center, and maintained common areas. Conveniently located near shopping, dining, parks, beaches, and major roadways, this home offers a great combination of comfort, location, and low-maintenance living.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,271
Sqft
0.03 ac
Lot size
1
Garage
2004
Year built
Two
Levels
$212
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 and the real association fee — not generic estimates.
$2,416 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,416/mo
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.
vs edgeAI estimate
+9.4%
Days on market
1 vs 52 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
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 → $319K
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 16% above the LARGO 33773 median. See the full Largo market guide →
Paper trail
This home's history
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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 13157 THOROUGHBRED LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13157 THOROUGHBRED LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13157 THOROUGHBRED LOOP FAQs
What would the monthly payment be for 13157 THOROUGHBRED LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,416/mo — principal and interest, the actual property-tax bill, the $175/mo association fee 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.
How much are the HOA fees at 13157 THOROUGHBRED LOOP?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13157 THOROUGHBRED LOOP?+
The most recent tax bill on record (2025) was $4,478. 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 13157 THOROUGHBRED LOOP?+
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 $269,900, this home is listed about 10% below the Largo median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13157 THOROUGHBRED LOOP?+
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
Four things that matter here
01Positioned at the premium end
$269,900 runs 16% above the LARGO 33773 median.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a Largo market that averages 52 — if it fits, move quickly.
04Strong 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.
Listing courtesy of MAINSTAY BROKERAGE LLC · Eva Hockenberry. MLS #O6431204.
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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