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List Price

$123,000

12760 Indian Rocks Unit 562, Largo, FL 33774

633 days on market↓ $32K from original list price

Estimated Payment

$922/mo

20% down and current market rates

Bedrooms1 bdBathrooms1 baLiving area747 Square FeetYear builtBuilt 1972

Listed by

Barbara-Jo Berberi

CHARLES RUTENBERG REALTY INC

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Make your offer
  • Bring your agent
  • Close in one place

One or more photo(s) has been virtually staged. BRING ALL OFFERS!! NEW AIR CONDITIONING INSTALLED JANUARY 2026! Roof was replaced in 2022!! Freshly painted end of December 2025 & three new ceiling fans installed and bathroom updated. Hot water heater installed 2019. Located in Building 5, this lovely 1 bedroom, 1 bath third floor condo overlooks the pool/hot tub with a tiki hut themed area to enjoy yourself in the sparkling Florida sun. New Atlantis Club is a gated community directly on the intercoastal waterway leading out to the Gulf of Mexico. There is storage for your kayak down by the water as well as a launch pad for canoes and paddleboards. Did I mention fishing? You can catch your dinner and prepare it on one of the many community grills! It doesn't get any better than that! Enjoy the setting sun here or enter the private gate (code provided to New Atlantis residents) to Bonner Park and wonder the trails and boardwalks out to the covered pavilion to either fish or watch the numerous sea birds, dolphins and other wildlife. Pickleball, tennis and shuffleboard courts are also available, not to mention the fitness center. Two buildings, one just east of building 5, house the laundry facilities (see photos). There is a minimum two years of ownership before leasing but at that point you can lease for a 30-day minimum or on an annual basis - the choice is yours! Absolutely NO PETS are allowed in this community and each unit comes with a private parking space. There is also plenty of guest parking available. On-site property manager's office is near the front pool, there is the building 5 pool/hot tub and one more pool down by building 10 for a total of 3 places to enjoy the Florida sun if you don't want to wander down to the intercoastal waterway located just west of the tennis courts. Monthly condo fees include internet, cable, water, sewer, trash and pest control. This is a truly wonderful community convenient to not only the gulf beaches but also restaurants, shopping, physicians and public transportation. Call today for an appointment!

12760 Indian Rocks Unit 562, Largo, FL 33774 in Largo, FL 33774 is listed for $123,000. The home has 1 bedroom, 1 bathroom, and 747 square feet, and was built in 1972. Listed 633 days ago. The price was reduced from $155,000. The listing is held by CHARLES RUTENBERG REALTY INC.

33774 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$1,946 (tax year 2024)

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $24,600

$

$922/moest.

  • Principal & Interest 71%
  • Property Taxes 18%
  • Insurance 11%
Principal & Interest
$657
Property Taxesfrom listing
$162
Insurance
$103

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $922, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $1,946 for tax year 2024. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR743794062. HomeJam is not the listing broker.

List Price

$123,000

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