2050 W BAY DRIVE, LARGO, FL, 33770
Active2 days on marketListed Jul 31, 2026MLS #TB8534453
About this home
2050 W BAY DRIVE
Welcome to the iconic Mermaid House, one of the area’s most recognizable properties, where charm, versatility, and opportunity come together. Whether you’re searching for a turnkey short-term rental, a beautifully renovated full-time residence, a memorable vacation retreat, or a property with commercial zoning that opens the door to endless possibilities, this one-of-a-kind home is ready to impress. Step inside to a bright, coastal-inspired interior where gorgeous tile flooring flows throughout an open-concept floor plan designed for effortless living and entertaining. The spacious dine-in kitchen is the heart of the home, featuring a large center island with abundant seating, beautiful countertops, ample cabinetry, and seamless flow into the inviting family room with a cozy linear fireplace. Thoughtfully updated bathrooms feature custom tilework and a fun, coastal-inspired flair that perfectly complements the home’s unique personality, while the generously sized bedrooms are filled with natural light and offer plentiful closet space. Outside, the private, paved backyard provides a low-maintenance outdoor retreat with plenty of room for dining, entertaining, or simply relaxing beneath the shade. Ideally located just minutes from shopping, restaurants, airports, and Florida’s world-famous Gulf beaches, this exceptional property offers an unbeatable combination of lifestyle, investment potential, and flexibility, whether you envision it as a thriving vacation rental, distinctive commercial space, or your own coastal escape.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,640
Sqft
0.24 ac
Lot size
1959
Year built
One
Levels
$365
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.
$4,257 /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
$4,257/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
+25.5%
$/sqft vs Largo actives
$365 vs $240
Days on market
2 vs 42 typical
Where $365/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 Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33770 — neighborhood snapshot
Population
25,005
Median age
49.3
Median income
$58,071
Median home value
$245,200
Avg household
2.22
Households w/ children
2,227
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)
203 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 163% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 2050 W BAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$590,000
1995 DEBORAH AVENUE · same community
4 bd · 2 ba · 1,720 sqft · $343/sqft · 7 DOM
Sold · Mar ’26$449,900
2166 LANAI AVENUE · same community
3 bd · 2 ba · 1,529 sqft · $294/sqft · 1 DOM
Sold · Mar ’26$455,000
2196 INDIAN AVENUE S · same community
2 bd · 2 ba · 1,467 sqft · $310/sqft · 124 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
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2050 W BAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2050 W BAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
2050 W BAY DRIVE FAQs
What would the monthly payment be for 2050 W BAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,257/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 2050 W BAY DRIVE?+
The most recent tax bill on record (2025) was $7,677. 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 2050 W BAY 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 $599,000, this home is listed about 122% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2050 W BAY DRIVE?+
Largo High School (high), Largo Middle School (middle), Ponce De Leon Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$599,000 runs 163% above the LARGO 33770 median — but at 1,640 sqft it's also 34% larger than the typical Largo listing.
02Fresh on the market
Only 2 days on market in a Largo market that averages 42 — if it fits, move quickly.
03Strong assigned schools
Largo High School, Largo Middle School, Ponce De Leon Elementary School — Ponce De Leon Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Martha Thorn. MLS #TB8534453.
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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