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About this home
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.
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
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
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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.
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