Under contract-accepting backup offers. Three miles from Indian Rocks Beach, on a corner lot just shy of a quarter acre with no HOA and no flood insurance required, this Largo single family home offers something increasingly rare in Pinellas County: genuine flexibility without the carrying costs. The main level runs an open living and dining layout with warm laminate floors throughout, a functional kitchen with stainless appliances and granite-look countertops, two bedrooms, two full baths, and an attached two-car garage. The 2015 upstairs addition changes the conversation entirely. Two bedrooms, a full bath, a bonus room, and a private balcony with French doors that open to tree canopy and morning quiet create a second living zone that operates nearly independently from the main floor. Add a private exterior entry and the upstairs becomes a rentable unit, a multigenerational suite, or a live-in investment that offsets carrying costs. Short-term rentals are permitted with no minimum lease period, and three miles to the Gulf puts this squarely in the path of year-round rental demand. The roof on the main home was replaced in 2025 and the property sits in Flood Zone X. Within a short drive: Indian Rocks Beach, Gulf Boulevard, Morton Plant Hospital in Clearwater, the Pinellas Trail, and St. Pete-Clearwater International Airport.