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Overview

3 bd2 ba1,563 sqft2 car garageSingle Family
TypeSingle Family
HOA$100/yr
Built1964
Lot7,488 sqft
Living area1,563 sqft
Price / sqft$377
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsStone CountersThermostat

3538 Shady Bluff Dr is a 1964-built home in Harbor Hills, Largo. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,563 square feet of living space. Listed at $589,000 (about $377/sqft), 102 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $100 annually.

From the listing

The Perfect Trifecta: Pool Home • Non-Flood Zone • Short-Term Rental Potential — Discover the perfect combination of lifestyle, location, and investment opportunity in this beautifully renovated 3-bedroom, 2-bath pool home offering 1,563 square feet of thoughtfully designed living space in Largo's desirable Harbor Hills neighborhood. Whether you're searching for a primary residence, vacation getaway, or income-producing investment, this home checks every box. Located in Flood Zone X (no flood insurance required) and offering the potential for short-term rentals, it presents an increasingly rare opportunity in today's market. Inside, the desirable split-bedroom floor plan offers privacy for the spacious primary suite, while two guest bedrooms are situated on the opposite side of the home and share a generously sized hallway bath. Three hallway closets provide an abundance of storage rarely found in homes of this size. The completely renovated interior is truly move-in ready, showcasing timeless finishes and a fresh coastal aesthetic throughout. The beautifully appointed kitchen features crisp white cabinetry accented by soothing blue tones, custom quartz countertops, a striking blue tile backsplash, abundant cabinetry, and a full pantry wall surrounding the refrigerator for exceptional storage and functionality. Oversized Scandinavian-inspired luxury vinyl plank flooring flows seamlessly throughout the home, adding warmth, durability, and contemporary style. The open-concept living and dining areas transition effortlessly into the rear family room, where sliding glass doors lead to your own private backyard retreat. Designed for easy Florida living, the outdoor space features a sparkling pool surrounded by low-maintenance turf, an expansive deck for lounging and entertaining, and a dedicated fire pit gathering area — perfect for relaxing evenings under the stars or hosting family and friends. Additional highlights include an attached two-car garage, 2018 roof, 2025 HVAC system, and fully paid-off solar panels, providing energy efficiency and helping keep utility costs low for years to come. Ideally located in the sought-after Harbor Hills neighborhood, you'll enjoy quick access to award-winning Gulf beaches, beautiful parks, shopping, dining, and everyday conveniences. Tampa International Airport is less than 30 minutes away, while St. Pete–Clearwater International Airport is approximately 20 minutes from your doorstep. Beautifully updated, ideally located, and packed with sought-after features — including a pool, no flood insurance requirement, and short-term rental potential — this home truly is the perfect trifecta.

The essentials

Built
1964
Price / sqft
$377
On market
102 days
Annual tax
$1,937
HOA
$100/yr
Flood zone
X · Low risk
Lot
7,488 sqft
Type
Single Family Residence

At a glance

Single family
Built 1964
Private pool
In Ground
2 car garage
Driveway
7,488 sqft lot
Lot size
1,563 sqft
Living area

Payment

Est. monthly payment
$3,536/mo
Down payment (20%)
$117,800
Property taxes
$161/mo
HOA
$100/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1964
Lot
7,488 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, On Street
Pool
In Ground
Days on Market
102
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Lighting
Private Mailbox
Dishwasher
Microwave
Range
Refrigerator
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.

Flood Zone X
Annual Tax (2025)
$1,937
Parcel #
05-30-15-35982-005-0120

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
County
Pinellas
MLS Area
33770 - Largo/Belleair Bluffs
Lot Size
7,488 sqft
PavedUnincorporated
HOA
$100/yr
Harbor Hills

Price history

Date
Event
Price
7/2/2026
Listed for sale
Source: Stellar MLS #TB8523229
$589,000
$377/sqft

Neighborhood

3538 Shady Bluff Dr
Largo, FL, 33770 · 33770 - Largo/Belleair Bluffs

Market insights

Offer Insights

Choose an offer strength

List price: $589,000
$585,000 – $589,000
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 102.

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
$3,536/mo
Principal & interest$3,072
Property taxes$161
Insurance$295
HOA$8
Down payment20% · $117,800
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

$589,000

$377 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,563 sq ft

Time on market

102 days

Year built

1964

Monthly payment

About $3,536/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,937 annual tax bill, insurance, and the $100/yr HOA fee.

HOA fee

$100/yr

Managed by Harbor Hills.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byCOMPASS FLORIDA LLCListing agent: William ThomasListing data from Stellar MLS, MLS# TB8523229.

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