12816 Harborwood Dr, photo 1
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Overview

4 bd5 ba4,234 sqft2 car garageSingle Family
TypeSingle Family
HOA$850/yr
Built1987
Lot56,985 sqft
Living area4,234 sqft
Price / sqft$579
Garage2 car

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About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboPrimary Bedroom Main FloorSolid Wood CabinetsStone Counters

12816 Harborwood Dr is a 1987-built home in Kensington Oaks, Largo. Inside you'll find 4 bedrooms, 5 bathrooms, and 4,234 square feet of living space. Listed at $2,450,000 (about $579/sqft), 74 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $850 annually.

From the listing

Experience an exceptional waterfront lifestyle in this magnificent custom estate, ideally situated on the Intracoastal Waterway between Indian Rocks Beach and Belleair Beach. Nestled on an extraordinary 1.3-acre homesite in the exclusive Kensington Oaks community, this private residence offers breathtaking panoramic water views, lush manicured grounds, and quick access to the Gulf of America. Spanning more than 4,200 square feet, this impressive home offers 4 bedrooms, a bonus room w wet bar, loft, 4.5 baths with convenient pool bath, and a spacious 2-car garage. The thoughtfully designed floor plan is ideal for both everyday living and entertaining, featuring a luxurious first-floor primary suite with an expansive sitting area and spa-inspired bath, and an in law suite w private bath, while the upper level includes two more bedrooms, a full bath, and a versatile loft with balcony. Spectacular water views throughout the home, soaring ceilings, rich wood flooring, and fireplaces in both the living and family rooms create warmth and timeless elegance. The formal dining room is perfect for hosting memorable gatherings. Outdoor living is equally impressive. A nearly 60-foot covered and screened lanai overlooks the sparkling 15’ x 30’ pool, designed with open-air enjoyment instead of a traditional pool cage, allowing uninterrupted sunshine and refreshing coastal breezes. The second-floor balcony provides an elevated vantage point for breathtaking sunrises, colorful sunsets, and endless views of the Intracoastal. Kensington Oaks is one of the area’s desirable waterfront communities, known for its beautifully maintained homes, mature landscaping, and peaceful setting. Enjoy a short stroll to Bonner Nature Park and easy access to some of Florida’s finest beaches, including Indian Rocks Beach, Belleair Beach, and Clearwater Beach. Fine dining, golf, shopping, and two international airports are all within convenient reach. This is more than a home—it’s a rare opportunity to own a private waterfront estate offering space, elegance, and the quintessential Florida coastal lifestyle.

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The essentials

Built
1987
Price / sqft
$579
On market
74 days
Annual tax
$29,841
HOA
$850/yr
Flood zone
AE
Lot
56,985 sqft
Type
Single Family Residence

At a glance

Single family
Built 1987
Waterfront
Intracoastal Waterway
Private pool
Auto Cleaner
2 car garage
Garage Door Opener
1.31 acres
Lot size

Payment

Est. monthly payment
$16,561/mo
Down payment (20%)
$490,000
Property taxes
$2,487/mo
HOA
$850/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1987
Lot
56,985 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Oversized
Pool
Auto Cleaner, Gunite, In Ground, Lighting, Outside Bath Access, Pool Sweep
Waterfront
Intracoastal Waterway
Days on Market
74
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Walk-in Closet(s)
Window Treatments
Outdoor Grill
Private Yard
Sidewalk
Deed Restrictions
Street Lights
Bar Fridge
Dishwasher
Disposal
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
Wine Refrigerator
Flood Zone AE
Annual Tax (2025)
$29,841
Parcel #
07-30-15-46280-000-0010

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
Kensington Oaks
County
Pinellas
MLS Area
33774 - Largo
Lot Size
56,985 sqft
ClearedConservation AreaFlood Insurance RequiredFloodZoneLandscapedOversized LotSidewalkSlopedPaved
HOA
$850/yr
Jamie

Price history

Date
Event
Price
7/30/2026
Listed for sale
Source: Stellar MLS #TB8533580
$2,450,000
$579/sqft

Neighborhood

12816 Harborwood Dr
Largo, FL, 33774 · 33774 - Largo

Market insights

Offer Insights

Choose an offer strength

List price: $2,450,000
$2.42M – $2.45M
98.6% – 100% of listTops out right at the list price
80% of listList price
51 of the last 101 home closings in 33774 landed at this number or higher (50%). The median one sat 28 days before it went under contract, and this one is on day 74.

Sample: 101 closed home sales in 33774 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$16,560/mo
Principal & interest$12,778
Property taxes$2,487
Insurance$1,225
HOA$71
Down payment20% · $490,000
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

$2,450,000

$579 per sq ft

Beds and baths

4 beds, 5 baths

Size

4,234 sq ft

Time on market

74 days

Year built

1987

Monthly payment

About $16,561/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $29,841 annual tax bill, insurance, and the $850/yr HOA fee.

HOA fee

$850/yr

Managed by Jamie.

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 byHOMES BY SANDERS REALTYListing agent: Mike SandersListing data from Stellar MLS, MLS# TB8533580.

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