125 Harbor Bluff Dr, photo 1
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Overview

4 bd3 ba2,567 sqftSingle Family
TypeSingle Family
HOA$420/yr
Built1954
Lot12,502 sqft
Living area2,567 sqft
Price / sqft$290

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

About this home

Ceiling Fans(s)DishwasherMicrowaveRangeRefrigerator

125 Harbor Bluff Dr is a 1954-built home in Harbor Bluffs Sec 1, Largo. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,567 square feet of living space. Listed at $743,900 (about $290/sqft), 185 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $420 annually.

From the listing

Welcome to 125 Harbor Bluffs Drive, where generous living spaces, a versatile floor plan, and an exceptional Harbor Bluffs location combine to create an outstanding opportunity. With fresh pricing, buyers seeking space, flexibility, and the ability to add their own personal style will appreciate everything this 4-bedroom, 3-bath home has to offer. The main level features an open living and dining area anchored by a fireplace, creating a comfortable setting for everyday living and entertaining. The kitchen has been updated with stone countertops and stainless steel appliances, while both main-level bathrooms also feature stone surfaces for a cohesive look. The primary suite includes a private bath, accompanied by two additional bedrooms and a guest bath. French doors open to a spacious patio, pool, and fenced backyard designed for enjoying Florida's outdoor lifestyle. The expansive deck provides ample room for outdoor dining, relaxing, or creating the outdoor entertaining space you've envisioned, with plenty of room for a future grill station or outdoor kitchen. One of the home's standout features is its flexible multi-level design. The lower level offers a large bonus room plus an additional flex space ideal for a media room, home office, fitness area, hobby room, or game room. The upper level features a private guest suite complete with its own living area, bedroom, full bath, and separate exterior entrance—an ideal setup for extended guests, multi-generational living, or added privacy. A circular driveway provides convenient access and additional parking. Harbor Bluffs offers convenient access to many of the area's most popular destinations, including approximately 3 miles to Indian Rocks Beach and Belleair Beach, 5 miles to Downtown Clearwater, 20 miles to Downtown St. Petersburg, and 18 miles to Tampa International Airport. Nearby parks, marinas, golf courses, waterfront recreation, shopping, dining, and everyday conveniences are all just minutes away. If you've been waiting for a spacious home in Harbor Bluffs with the opportunity to personalize over time, this is one worth seeing. All information is believed to be accurate but is not guaranteed. Buyers and agents to verify all facts and information pertinent to their purchase decision.

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The essentials

Built
1954
Price / sqft
$290
On market
185 days
Annual tax
$9,147
HOA
$420/yr
Flood zone
X · Low risk
Lot
12,502 sqft
Type
Single Family Residence

At a glance

Single family
Built 1954
Private pool
Other
0.29 acres
Lot size
2,567 sqft
Living area

Payment

Est. monthly payment
$5,049/mo
Down payment (20%)
$148,780
Property taxes
$762/mo
HOA
$420/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1954
Lot
12,502 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Circular Driveway
Pool
Other
Days on Market
185
Ceiling Fans(s)
Dishwasher
Microwave
Range
Refrigerator
Elementary
Mildred Helms Elementary-PN
Middle
Largo Middle-PN
High
Largo High-PN

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

Flood Zone X
Annual Tax (2025)
$9,147
Parcel #
32-29-15-35640-003-0130

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 Bluffs Sec 1
County
Pinellas
MLS Area
33770 - Largo/Belleair Bluffs
Lot Size
12,502 sqft
HOA
$420/yr
Harbor Bluffs Owners Association, Inc

Price history

Date
Event
Price
7/10/2026
Price change
Source: Stellar MLS #TB8496539
$743,900-5.8%
$290/sqft
4/9/2026
Listed for sale
Source: Stellar MLS #TB8496539
$789,900
$308/sqft

Neighborhood

125 Harbor Bluff Dr
Largo, FL, 33770 · 33770 - Largo/Belleair Bluffs

Market insights

Offer Insights

Choose an offer strength

List price: $743,900
$735,000 – $743,900
99.1% – 100% of listTops out right at the list price
80% of listList price
75 of the last 148 home closings in 33770 landed at this number or higher (51%). The median one sat 32 days before it went under contract, and this one is on day 185 after a $46,000 cut.

Sample: 148 closed home sales in 33770 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,049/mo
Principal & interest$3,880
Property taxes$762
Insurance$372
HOA$35
Down payment20% · $148,780
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 is the fee 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

$743,900

$290 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,567 sq ft

Time on market

185 days

Year built

1954

Monthly payment

About $5,049/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,147 annual tax bill, insurance, and the $420/yr HOA fee.

HOA fee

$420/yr

Managed by Harbor Bluffs Owners Association, Inc.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byRESULTS REAL ESTATE INCListing agent: Stephanie SeeListing data from Stellar MLS, MLS# TB8496539.

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