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Overview

3 bd2 ba1,725 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1964
Lot14,558 sqft
Living area1,725 sqft
Price / sqft$345
Garage2 car

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

About this home

Ceiling Fans(s)Open FloorplanPrimary Bedroom Main FloorSmart HomeSolid Wood CabinetsStone CountersThermostatWalk-in Closet(s)

863 Bay Breeze Ter is a 1964-built home in Bay Breeze Estates, Largo. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,725 square feet of living space. Listed at $595,000 (about $345/sqft), 22 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

INCOME-PRODUCING VRBO | NO HOA | NO RENTAL RESTRICTIONS | 0.33-ACRE OVERSIZED LOT | POOL | 5 MINUTES TO INDIAN ROCKS BEACH! Looking for a property that can generate income while giving you the Florida lifestyle? This is it! Currently operating as a successful short-term rental, this spacious pool home sits on an oversized 0.33-acre lot—the equivalent of approximately TWO LOTS—with NO HOA and NO rental restrictions. Freshly painted and ready to impress, this 3-bedroom, 2-bathroom home offers more than 1,725 sq. ft. of living space, plus a large front porch and an oversized 2-car garage. The outdoor living area is where this property truly shines. Enjoy a newly updated pool deck, expansive screened-in lanai with epoxy flooring, and even a putting green for added entertainment. It is the perfect setup for guests, family gatherings, or simply enjoying the Florida lifestyle. Inside, the split-bedroom floor plan provides privacy and functionality. The skylights make the spaces bright without emptying your pocket. The spacious primary suite overlooks the pool and features a large walk-in closet and an updated ensuite bathroom with a walk-in shower and jetted tub. The kitchen has been updated with stone countertops, a matching backsplash, stainless-steel appliances, a NEW dishwasher, and a pantry. Two additional bedrooms and a full bathroom complete the living area. NEW water softener, and NON-FLOOD ZONE location. The property also experienced no storm damage or impact. Approximately 5 minutes to Indian Rocks Beach and the Belleair Causeway Boat Ramp, making this an attractive destination for both vacation guests and long-term enjoyment. Taylor Park and the Pinellas Trail are approximately 1 mile away, while downtown Largo, Largo Central Park, healthcare facilities, Clearwater Beach, St. Petersburg, PIE Airport, and Tampa International Airport are all easily accessible. INVESTOR ALERT: With no HOA, no rental restrictions, an existing short term rental operation, and 0.33 acres of land. This isn't just a pool home—it's an income-producing Florida property with room to grow, flexibility to operate, and the beach just minutes away.

The essentials

Built
1964
Price / sqft
$345
On market
22 days
Annual tax
$8,668
Flood zone
X · Low risk
Lot
14,558 sqft
Type
Single Family Residence

At a glance

Single family
Built 1964
Private pool
In Ground
2 car garage
Driveway
0.33 acres
Lot size
1,725 sqft
Living area

Payment

Est. monthly payment
$4,123/mo
Down payment (20%)
$119,000
Property taxes
$722/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1964
Lot
14,558 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Garage Faces Side
Pool
In Ground
Days on Market
22
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Smart Home
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Private Mailbox
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Touchless Faucet
Washer
Elementary
Ridgecrest Elementary-PN
Middle
Largo 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 (2024)
$8,668
Parcel #
05-30-15-03330-003-0100

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
Bay Breeze Estates
County
Pinellas
MLS Area
33770 - Largo/Belleair Bluffs
Lot Size
14,558 sqft
LandscapedOversized LotPavedUnincorporated

Price history

Date
Event
Price
9/18/2026
Listed for sale
Source: Stellar MLS #TB8550089
$595,000
$345/sqft

Neighborhood

863 Bay Breeze Ter
Largo, FL, 33770 · 33770 - Largo/Belleair Bluffs

Market insights

Offer Insights

Choose an offer strength

List price: $595,000
$590,000 – $595,000
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 22.

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
$4,123/mo
Principal & interest$3,103
Property taxes$722
Insurance$298
Down payment20% · $119,000
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%. 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

$595,000

$345 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,725 sq ft

Time on market

22 days

Year built

1964

Monthly payment

About $4,123/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,668 annual tax bill, insurance.

Flood zone

Zone X

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

Offer

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Brokered byUS INTERAMERICAN REALTY LLCListing agent: Maria UrbanoListing data from Stellar MLS, MLS# TB8550089.

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