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Overview

4 bd3 ba1,864 sqft2 car garageSingle Family
TypeSingle Family
HOA$420/yr
Built1956
Lot12,497 sqft
Living area1,864 sqft
Price / sqft$429
Garage2 car

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

About this home

Ceiling Fans(s)Coffered Ceiling(s)Crown MoldingSolid Wood CabinetsSplit BedroomStone CountersThermostatWalk-in Closet(s)

118 Live Oak Ln is a 1956-built home in Harbor Bluffs Sec 1, Largo. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,864 square feet of living space. Listed at $799,000 (about $429/sqft), 55 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 this beautifully appointed 4-bedroom, 2.5-bath pool home situated on an oversized lot in the highly desirable Harbor Bluffs community. This golf-cart-friendly neighborhood offers an exceptional location with convenient access to fine dining, shopping, grocery stores, boat ramps, and some of America’s best beaches. A circular driveway provides ample parking, while the expansive side yards offer plenty of room for boat or RV parking. As you approach the home, a gated courtyard welcomes you to the front door entry. Inside, custom coffered ceilings add character and elegance throughout the home. The spacious kitchen features an island and pantry and flows seamlessly into the dining and living areas, creating an ideal layout for everyday living and entertaining. Large windows and French doors overlook the impressive backyard, where a solar-heated saltwater pool and expansive pavered patio create a private outdoor retreat. The split-bedroom floor plan offers privacy and functionality. Two guest bedrooms are conveniently located just off the main living area, while a fourth room currently serves as a playroom and could easily accommodate a variety of uses to suit your needs. The spacious primary suite is a true retreat, featuring a large walk-in closet and an en-suite bath with dual vanities. A separate gated patio just off the primary suite provides the perfect spot for enjoying your morning coffee. A 2nd set of French doors provide direct access to the pool area, seamlessly connecting indoor and outdoor living. For added convenience, the guest bathroom features a tub and the half bath is located within the laundry room. Additional upgrades include updated electrical, a newer roof, new water heater, new well pump for irrigation, hurricane-rated garage door, and vinyl fencing. Set on a prime, elevated homesite outside the flood zone, this Harbor Bluffs property combines space, privacy, thoughtful upgrades, and an unbeatable location near the beach. Come experience the Florida lifestyle this exceptional home has to offer!

The essentials

Built
1956
Price / sqft
$429
On market
55 days
Annual tax
$3,676
HOA
$420/yr
Flood zone
X · Low risk
Lot
12,497 sqft
Type
Single Family Residence

At a glance

Single family
Built 1956
Private pool
Heated
2 car garage
0.29 acres
Lot size
1,864 sqft
Living area

Payment

Est. monthly payment
$4,908/mo
Down payment (20%)
$159,800
Property taxes
$306/mo
HOA
$420/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1956
Lot
12,497 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Pool
Child Safety Fence, Gunite, Heated, In Ground, Lighting, Salt Water
Days on Market
55
Ceiling Fans(s)
Coffered Ceiling(s)
Crown Molding
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Courtyard
Dog Run
Lighting
Rain Gutters
Dog Park
Golf Carts OK
Park
Special Community Restrictions
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Freezer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,676
Parcel #
32-29-15-35640-006-0100

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
12,497 sqft
Oversized LotPavedUnincorporated
HOA
$420/yr
Nikki McConnell, Professional Condo Concepts

Price history

Date
Event
Price
8/17/2026
Listed for sale
Source: Stellar MLS #TB8539966
$799,000
$429/sqft

Neighborhood

118 Live Oak Ln
Largo, FL, 33770 · 33770 - Largo/Belleair Bluffs

Market insights

Offer Insights

Choose an offer strength

List price: $799,000
$790,000 – $799,000
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 55.

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
$4,908/mo
Principal & interest$4,167
Property taxes$306
Insurance$400
HOA$35
Down payment20% · $159,800
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 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

$799,000

$429 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,864 sq ft

Time on market

55 days

Year built

1956

Monthly payment

About $4,908/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,676 annual tax bill, insurance, and the $420/yr HOA fee.

HOA fee

$420/yr

Managed by Nikki McConnell, Professional Condo Concepts.

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 byENGEL & VOLKERS BELLEAIRListing agent: Chris StiversListing data from Stellar MLS, MLS# TB8539966.

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