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Overview

2 bd2 ba1,655 sqft2 car garageSingle Family
TypeSingle Family
HOA$75/yr
Built1964
Lot8,411 sqft
Living area1,655 sqft
Price / sqft$420
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)LightingOutdoor ShowerStreet LightsDishwasherDisposalDryerRange

4523 Clearwater Harbor Dr S is a 1964-built home in Harbor Hills 3rd Add, Largo. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,655 square feet of living space. Listed at $695,000 (about $420/sqft), 609 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $75 annually.

From the listing

NEW PRICE — NOW $695,000! Featuring 1,655 sq. ft. of beautifully renovated living space, a private heated saltwater pool, extensive system upgrades—and this home DID NOT flood during Hurricane Helene. Welcome to Harbor Hills, where exceptional craftsmanship, extensive upgrades and a private resort-style pool come together in a truly move-in-ready home. Meticulously renovated by Tampa Bay's Mitchell & Son Quality Construction, this is not simply a cosmetic remodel—the improvements extend throughout the property, creating a home designed for comfort, efficiency and easy Florida living. Inside, beautifully restored terrazzo floors reflect an abundance of natural light and provide timeless Florida character. The remodeled kitchen features rich hardwood cabinetry with soft-close doors and drawers, quartz countertops, Samsung black stainless-steel appliances and an Express Water reverse-osmosis system. Step outside and discover what may become your favorite room of the house. The private backyard has been transformed into a tropical retreat centered around a completely renovated heated saltwater pool with new pavers, coping, tile, pool finish and LED lighting. A Pentair variable-speed pump and Pure-chlor salt system provide efficient operation, while approximately 250 feet of newer vinyl fencing creates a private setting for relaxing, entertaining and enjoying Florida year-round. Significant improvements continue throughout the home with double-pane hurricane-impact windows, reinforced garage door, R30 attic insulation, Ruud HVAC system, Ultra-Aire whole-home dehumidifier, Bahama shutters, smart locks, new moldings and interior doors, custom closet organizers and low-maintenance xeriscape landscaping. Even the garage is climate controlled with its own mini-split AC—ideal for a workshop, hobby space or comfortable additional utility area. The beautifully remodeled primary bath features a substantial 3/8-inch glass shower enclosure, designer tile, quartz-topped vanity and modern fixtures. After sunset, professional Volt landscape lighting illuminates the palms, front elevation and oversized driveway for an impressive nighttime presentation. One particularly important distinction: while Hurricane Helene brought flooding to portions of the surrounding area, the seller reports that this home DID NOT FLOOD. Located in desirable Harbor Hills, close to the Intracoastal, Gulf beaches, shopping, dining and everything the Belleair/Largo area has to offer, this home delivers the Florida lifestyle without the renovation project. NOW OFFERED AT $695,000. If you've seen this home online before, it's time to take another look. The price has changed—the quality hasn't. Schedule your private showing and see just how much has already been done.

The essentials

Built
1964
Price / sqft
$420
On market
609 days
Annual tax
$6,105
HOA
$75/yr
Flood zone
AE
Lot
8,411 sqft
Type
Single Family Residence

At a glance

Single family
Built 1964
Private pool
Auto Cleaner
2 car garage
Driveway
8,411 sqft lot
Lot size
1,655 sqft
Living area

Payment

Est. monthly payment
$4,487/mo
Down payment (20%)
$139,000
Property taxes
$509/mo
HOA
$75/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1964
Lot
8,411 sqft
Cooling
Central Air, Humidity Control, Mini-Split Unit(s)
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Guest, Oversized
Pool
Auto Cleaner, Fiber Optic Lighting, Gunite, In Ground, Lighting, Outside Bath Access, Pool Sweep, Salt Water, Tile
Days on Market
609
Ceiling Fans(s)
Lighting
Outdoor Shower
Street Lights
Dishwasher
Disposal
Dryer
Range
Range Hood
Refrigerator
Washer
Elementary
Anona Elementary-PN
Middle
Seminole Middle-PN
High
Largo High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone AE
Annual Tax (2024)
$6,105
Parcel #
06-30-15-36054-009-0130

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Harbor Hills 3rd Add
County
Pinellas
MLS Area
33770 - Largo/Belleair Bluffs
Lot Size
8,411 sqft
FloodZoneIn CountyPavedUnincorporated
HOA
$75/yr
Jake Stowers / President

Price history

Date
Event
Price
9/16/2026
Price change
Source: Stellar MLS #TB8346318
$695,000-4.1%
$420/sqft
-
Price change
Source: Stellar MLS #TB8346318
$725,000-9.4%
$438/sqft
2/14/2025
Listed for sale
Source: Stellar MLS #TB8346318
$800,000
$483/sqft

Neighborhood

4523 Clearwater Harbor Dr S
Largo, FL, 33770 · 33770 - Largo/Belleair Bluffs

Market insights

Offer Insights

Choose an offer strength

List price: $695,000
$690,000 – $695,000
99% – 100% of listTops out right at the list price
80% of listList price
76 of the last 151 home closings in 33770 landed at this number or higher (50%). The median one sat 32 days before it went under contract, and this one is on day 609 after a $105,000 cut.

Sample: 151 closed home sales in 33770 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,487/mo
Principal & interest$3,625
Property taxes$509
Insurance$348
HOA$6
Down payment20% · $139,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$695,000

$420 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,655 sq ft

Time on market

609 days

Year built

1964

Monthly payment

About $4,487/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,105 annual tax bill, insurance, and the $75/yr HOA fee.

HOA fee

$75/yr

Managed by Jake Stowers / President.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byHASENBECK & ASSOCIATES INCListing agent: Clarence HasenbeckListing data from Stellar MLS, MLS# TB8346318.

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