

Overview
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About this home
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.
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.
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The essentials
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Districts can re-zone, so verify directly with the district before relying on these.
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%. 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.
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