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Overview

4 bd3 ba2,266 sqft2 car garageSingle Family
TypeSingle Family
HOA$420/yr
Built1960
Lot8,995 sqft
Living area2,266 sqft
Price / sqft$748
Garage2 car

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

About this home

Ceiling Fans(s)ThermostatLightingParkStreet LightsDishwasherDryerRange

902 Oakwood Dr is a 1960-built home in Harbor Bluffs Sec 4, Largo. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,266 square feet of living space. Listed at $1,695,000 (about $748/sqft), 101 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $420 annually.

From the listing

Step outside to a sparkling pool and sun-drenched lanai. A few more steps and you’re on your private dock, where the Intracoastal Waterway stretches out as far as the eye can see. That kind of outdoor access is becoming nearly impossible to find in Pinellas County. Most waterfront properties have been — or will be — elevated to meet flood zone standards, eliminating that seamless indoor-outdoor connection. Don’t miss your opportunity — this is the one they said didn’t exist anymore. This residence has passed all required Pinellas County inspections — including electrical, plumbing, and roofing — with full documentation on file, yet retains its original ground-level footprint just steps from the water. For buyers seeking true step-out waterfront living, opportunities like this one are not being replicated. Nestled in the waterfront enclave of Harbor Bluffs — one of Pinellas County’s most cherished communities, celebrated for its serene, deed-restricted streets and proximity to the Gulf — this 4-bedroom, 3-bathroom pool home sits on a rare lot delivering water views on both the rear and side of the property. Whether you’re arriving home by boat or simply watching the herons work the seawall on a quiet morning, the water is always front and center. Inside, the updates speak for themselves. The remodeled kitchen features white granite countertops, soft-close cabinetry, stainless steel appliances, and a natural gas range — made for effortless entertaining. Classic plantation shutters flow throughout, lending a clean coastal elegance that carries from room to room. The north-facing orientation means living spaces stay naturally cool and bright without harsh afternoon sun — a quiet luxury that west-facing waterfront buyers discover too late. Behind the scenes, this home has been meticulously upgraded: PGT hurricane-impact, energy-efficient windows throughout, a NEC code-compliant electric panel upgraded in 2025, newly blown-in cellulose attic insulation, a tankless water heater, and a new roof and primary AC installed in 2022. A convenient interior laundry closet rounds out a home that has been carefully maintained where it counts. For the boating enthusiast, the private dock with boat lift puts you on the water in minutes — no marina fees, just your boat on your schedule and the waterway at your doorstep — with quick access to the open Gulf beyond. When you’d rather stay close to home, the pool and lanai are waiting. While this property sustained minor flooding during Hurricane Helene in September 2024, the home was fully remediated by licensed professionals, all required permits were filed with Pinellas County, and every inspection passed. This is a home that has been through the worst Florida can deliver — and came out the other side ready for its next chapter. And that next chapter begins in Harbor Bluffs — the kind of neighborhood where neighbors know each other by name, egrets and herons work the seawalls like they pay rent, and every evening reminds you exactly why you chose waterfront Florida living. Minutes from the pristine Gulf Coast beaches, with the fabulous restaurants and boutiques of Belleair Bluffs just blocks away. World-class libraries, beautiful parks, and excellent medical facilities are all close at hand — with St. Pete-Clearwater Airport minutes away and Tampa International 30 minutes away. This is an address that never goes out of style — don’t miss out on this timeless opportunity to call it your own.

The essentials

Built
1960
Price / sqft
$748
On market
101 days
Annual tax
$12,555
HOA
$420/yr
Flood zone
AE
Lot
8,995 sqft
Type
Single Family Residence

At a glance

Single family
Built 1960
Waterfront
Intracoastal Waterway
Private pool
In Ground
2 car garage
8,995 sqft lot
Lot size

Payment

Est. monthly payment
$10,769/mo
Down payment (20%)
$339,000
Property taxes
$1,046/mo
HOA
$420/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1960
Lot
8,995 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground
Waterfront
Intracoastal Waterway
Days on Market
101
Ceiling Fans(s)
Thermostat
Lighting
Park
Street Lights
Dishwasher
Dryer
Range
Refrigerator
Tankless Water Heater
Washer
Flood Zone AE
Annual Tax (2025)
$12,555
Parcel #
06-30-15-35802-000-0760

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 4
County
Pinellas
MLS Area
33770 - Largo/Belleair Bluffs
Lot Size
8,995 sqft
HOA
$420/yr
Professional Condo Concepts

Price history

Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #TB8524079
$1,695,000-13.7%
$748/sqft
7/1/2026
Listed for sale
Source: Stellar MLS #TB8524079
$1,965,000
$867/sqft

Neighborhood

902 Oakwood Dr
Largo, FL, 33770 · 33770 - Largo/Belleair Bluffs

Market insights

Offer Insights

Choose an offer strength

List price: $1,695,000
$1.68M – $1.70M
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 101 after a $270,000 cut.

Sample: 148 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
$10,769/mo
Principal & interest$8,840
Property taxes$1,046
Insurance$848
HOA$35
Down payment20% · $339,000
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 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

$1,695,000

$748 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,266 sq ft

Time on market

101 days

Year built

1960

Monthly payment

About $10,769/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $12,555 annual tax bill, insurance, and the $420/yr HOA fee.

HOA fee

$420/yr

Managed by Professional Condo Concepts.

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?

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Brokered byCHARLES RUTENBERG REALTY INCListing agent: Barbara BrockwellListing data from Stellar MLS, MLS# TB8524079.

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