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About this home
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.
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!
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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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.
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