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Pinellas County · 33770 · 33771 · 33773 · 33774 · 33778

LargoVA Real Estate & MacDill AFB Commute Guide

Central Pinellas affordability sweet spot. 15 min to St. Pete or Clearwater. Beach-adjacent without beach prices. The 55+ condo capital.

Photo · Theo Worrall / CC0

  • Median 3BR/2BA

    ~$320k

    City blend, 2026

  • MacDill commute

    50–60 min

    Howard Frankland chokepoint

  • Walk Score

    30–66

    Old Northwest = 66

  • Days on market

    ~73

    Loosening from 2024

  • County

    Pinellas

  • ZIP codes

    5 ZIPs

    33770 · 33771 · 33773 · 33774 · 33778

The look + feel

Largo, in pictures.

  • Largo Central Park

  • Florida Botanical Gardens

  • McMullen-Coachman Cabin — Heritage Village

  • Pinellas Trail

  • House of Seven Gables — Heritage Village

  • Indian Rocks Beach

The data

What the numbers say.

Real estate read

SFH
$320k
Townhome
$285k
Condo
$130-300k
Days on market: ~73 days

33770 (north/central) $374k. 33771 (east, condo-heavy) $263k — affordability play. 33774 (west beach-adjacent) $376k. 55+ condos $130-300k. Inventory loosening.

Source · Zillow + Redfin + Movoto, 2026

Top schools nearby

  • Largo HS

    Public · High

    A-

    Rating

  • Pinellas Park HS

    Public · High

    B

    Rating

  • Seminole HS

    Public · High

    Adjacent option

    B

    Rating

  • Indian Rocks Christian

    Private · K-12

    Avg SAT 1200

    A

    Rating

Source · Niche.com

Commute reality

  • Downtown Clearwater

    Closest urban core

    10–15 min

  • Downtown St. Pete

    Via I-275

    15–20 min

  • Indian Rocks Beach

    7 miles west

    ~13 min

  • Tampa Int'l

    Howard Frankland

    35–45 min

  • MacDill AFB

    Tampa peninsula = bottleneck

    50–60 min

Source · Google Maps drive-time, typical morning rush

Healthcare access

  • HCA Florida Largo Hospital

    455 beds · statutory teaching

    in-town

  • Bay Pines VA Medical Center

    Full VA · 15-20 min south

    VA

    15–20 min

  • Mease Countryside Hospital

    BayCare · Safety Harbor

    20 min

  • James A. Haley VA

    Tampa, regional VA

    VA

    50–60 min

Inside Largo

The sub-neighborhoods worth knowing.

  • Shaded paths and live oaks in Largo Central Park

    Downtown Largo / West Bay Drive

    The revitalization play. Walkable, mixed-use planning. Horizon West Bay anchor opens early 2026 — new City Hall, retail, public space. Largest downtown investment in decades. Best Walk Scores in city (66+, addresses near core hit 80).

    Range: $300k–$525kKnown for: Revitalization momentum

  • Bardmoor

    Affluent golf-course community straddling Largo and Seminole. Anchored by Bardmoor Golf & Tennis Club (Tampa Bay Times Best Golf Course 2019). Half-dozen subdivisions. Strict HOA standards.

    Range: $400k–$750k+Known for: Best golf course in TBay 2019

  • Imperial Point

    Waterfront community on the Intracoastal east of Indian Rocks Beach. ~350 SFH and 250+ condos. SFH 2/2 to 4/3, 1,500-2,500+ sqft. Condos 1BR under $100k, 2BR low-to-high $100ks.

    Range: $150k condo – $850k SFHKnown for: Intracoastal waterfront

  • East Bay Country Club

    Established golf community east of Largo Central Park. 1BR/2BR condos clustered. Active 55+ inventory.

    Range: $130k–$300kKnown for: Established 55+ golf condos

  • Highpoint

    Older 55+ condo cluster in eastern Largo. High-density inventory, low entry pricing. Verify VA approval per project.

    Range: $130k–$250kKnown for: Cheapest 55+ entry

  • Lakeview of Largo

    55+ low-maintenance condo community. 1- and 2-bedroom models.

    Range: $150k–$275kKnown for: Low-maintenance 55+

  • Bay Palms

    55+ adult condo community. Smaller scale.

    Range: $140k–$250kKnown for: 55+ smaller scale

  • Old Northwest

    Most walkable neighborhood in Largo (Walk Score 66). Older established residential, character feel.

    Range: $300k–$475kKnown for: Most walkable Largo

  • Belleair Bluffs (adjacent town)

    Separate municipality but linked. Scenic, small-town, mix of residential and local business. Beach-access proximity.

    Range: $425k–$1M+Known for: Beach-adjacent neighbor

Why vets pick it

The affordability sweet spot in Pinellas.

Affordability vs neighbors. Median ~$320-365k vs Clearwater ($400k+) and St. Pete ($375k+). For VA buyers using full entitlement with no down payment, that delta is real monthly cash flow.

Centrally located. Fifteen minutes to downtown St. Pete or downtown Clearwater. Both directions. Rare in Pinellas.

Beaches without beach prices. Indian Rocks Beach is 7 miles / ~13 minutes west. Madeira Beach about 17 minutes. You get the lifestyle without the AE/VE flood premium and barrier-island insurance.

HCA Florida Largo Hospital (455 beds, statutory teaching hospital) is in town. Bay Pines VA Medical Center is roughly 15-20 minutes south.

Highland Recreation Complex is one of the top public rec facilities in the county — pools, slides, indoor playground, fitness center. Family multiplier.

Retiree-heavy demographics. Median age 50.8 and 28.3% of residents are 65+. Vets transitioning into retirement blend in fast.

VA loan reality

Mostly clean inland — but the 55+ condo VA approval is load-bearing.

Flood zones — central/east mostly Zone X

Most of central and east Largo (33770 east, 33771, 33773) sits in Zone X — minimal flood risk, no mandatory flood insurance for VA-financed mortgages. Western Largo (33774) and beach-adjacent areas approach Zone AE the closer you get to the Intracoastal. Always pull the specific parcel.

Hurricane evacuation — central is the unlock

Most of central/inland Largo is non-evacuation or zone E/F (last to evacuate, if at all). Western edges that touch the Intracoastal pick up Zone A or B. Legitimate selling point vs Clearwater Beach, St. Pete Beach, or Treasure Island where buyers are in Zone A by default.

VA condo project approval — load-bearing for Largo specifically

Largo has a LOT of older condo inventory, including dense 55+ clusters around East Bay Country Club, Country Club Condos, Lakeview of Largo, Imperial Point, and Bay Palms. VA condo approval is parcel-specific and the project must be on the active VA-approved list (HUD-accepted from before December 2009 no longer auto-qualifies). Two requirements that knock projects out: at least 50% owner-occupied, no single entity owning more than 10%. Always verify on the VA condo lookup before writing.

Heritage

Citrus City to bedroom suburb to downtown reinvention.

1880s. Founded as a rural farming community. Citrus and agriculture drove the early economy.

June 6, 1905. Officially incorporated as a town.

1910-1930.Population grew ~500% on the back of citrus packing. Largo became known as "Citrus City" — the regional citrus distribution hub.

1913. First municipality in Pinellas County to adopt council-manager government.

1950s-60s. Population went from 1,500 (1950) to 5,300 (1960). Post-WWII suburbanization began transforming Largo from agricultural to bedroom community.

1974. Transitioned from town to city status.

2020 census. 82,485 residents. Third-largest city in Pinellas County. Fourth-largest in Tampa Bay area. Median age 50.8. 28.3% age 65+. Sister city: Kami, Kōchi, Japan (1969).

Heritage Village— Pinellas County's 21-acre open-air history museum preserves the citrus-and-pioneer era.

Today. West Bay Drive corridor revitalization. Horizon West Bay opens early 2026 at 440 West Bay Drive — new City Hall plus retail, public space, programming. Largest downtown investment in decades.

Daily life

Where to eat, where to shop.

Restaurants worth knowing

  • Roosterfish Grill · seafood + steaks, $$ · Opened 2018, top-rated.
  • Monika's European Kitchen · German, $$ · Consistently top-three on local lists.
  • Osteria Bel Sit · Italian, $$ · 351 West Bay Drive (West Bay Village plaza).
  • Thai Basil · Thai, $$ · West Bay Drive.
  • Brew Garden Taphouse · craft beer + food, $$ · Local taproom.
  • Aroma Indian Cuisine & Bar · Indian, $$.
  • Forchetta Italian Eatery · Italian, $$.
  • Schooners · seafood, $$ · Long-running local.

Where to shop

  • Largo Mall · Ulmerton Rd & Seminole Blvd. ~600,000 sqft, anchored by Target. ~60 tenants. Publix being demolished/rebuilt — expect construction through 2026.
  • Paradise Shoppes of Largo · Second Publix-anchored center.
  • US-19 commercial corridor · Big-box density, auto dealers, chain dining. Not pretty but volume is here.
  • Seminole City Center · Adjacent in Seminole, full-format outdoor shopping center, ~10 min.
  • Publix dominance · Multiple locations across Largo.

Within reach

Largo Central, Highland Rec, Heritage Village.

  • Largo Central Park · Signature city park. Pavilions, fountain, central gathering space, train rides on weekends.
  • Highland Recreation Complex · 400 Highland Ave NE. 40,000 sqft. Three-story indoor playground, indoor walking track, fitness center, basketball courts. Adjacent Highland Family Aquatic Center has Pinellas County's tallest slide, zero-depth pool, three-story speed slide. Family-anchor amenity for the entire central county.
  • Florida Botanical Gardens · 182 acres, free admission, in Pinewood Cultural Park.
  • Heritage Village · 21-acre living history museum. 33 historic structures (homes, depot, schools, church, general store). Free admission. Co-located with Botanical Gardens.
  • McGough Nature Park · 11901 146th St N. Intracoastal-side. Turtle deck, butterfly garden, oak hammock, Narrows Nature Center, canoe launch.
  • Pinellas Trail · 47 miles paved. Major asset. Bike commuting between Largo, Clearwater, and Dunedin is realistic on this trail.

Be honest about it

Largo is car-first. Pinellas Trail is the exception.

Most of Largo is car-dependent. Old Northwest is the most walkable neighborhood (Walk Score 66). Specific addresses near downtown West Bay Drive can hit 80+ ("Very Walkable").

Pinellas Trail is the headline transit-not-transit feature. The 47-mile Fred Marquis Pinellas Trail runs north-south through Largo, connecting Tarpon Springs to St. Petersburg. Bike commuting between Largo, Clearwater, and Dunedin is realistic on this trail.

PSTA bus serves Routes 19, 34, 49, 52, 66 from the Largo Transit Center. Functional but not frequent enough to replace a car. SunRunner BRT does NOT directly serve Largo (St. Pete Beach to downtown St. Pete only).

Have a question?

Ask about this area.

Whether you're trying to figure out if it fits your family, your commute, or your VA budget — drop a note. I'll come back with what I know.

No spam. No pressure. Just useful guidance if you're trying to make a smart move.

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Largo fit your read?

The affordability is real. The 55+ condo VA approval is the catch.

If Largo is your target, the next step is one form. I'll verify VA approval per condo project, walk you through which sub-area fits your budget, and pull live VA-eligible inventory.

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