4598 CLEARWATER HARBOR DRIVE S, LARGO, FL, 33770
Active28 days on marketListed Jul 6, 2026MLS #O6421251
About this home
4598 CLEARWATER HARBOR DRIVE S
Welcome to paradise and bring your boat for this waterfront home with private dock and boat lift. This 4 bedroom 5 bath tranquil beauty is in the heart of the Intracoastal open water. Entering into the primary bedroom, overlooking the open water Light and airy with tons of beautiful views of the water. It's been newly renovated with top of the line, modern appliances and accessories throughout without losing it's midcentury roots. Turn key ready to be privately enjoyed or perfect for guests and entertaining with a waterfront pool & hot tub as well as an outdoor kitchen. It is in the highly sought after waterfront community, Harbor Hills, which is near Largo Central Park & Heritage Village as well as Indian Rocks Beach and the highly-rated Clearwater Beach.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,489
Sqft
0.3 ac
Lot size
2
Garage
1962
Year built
One
Levels
$715
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$16,090 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$16,090/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Largo actives
$715 vs $238
Days on market
28 vs 52 typical
Where $715/sqft sits among the 400 Largo actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Harbor Hills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Harbor Hills — neighborhood snapshot
Population
1,452
Median age
50
Median income
$128,233
Median home value
$558,700
Avg household
3
Households w/ children
167
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $326K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
203 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 940% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 4598 CLEARWATER HARBOR DRIVE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$815,000
1731 CLEARWATER HARBOR DRIVE · same community
5 bd · 3 ba · 2,909 sqft · $280/sqft · 234 DOM
Sold · Aug ’25$1,022,000
4146 HARBOR HILLS DRIVE · same community
4 bd · 3 ba · 2,755 sqft · $371/sqft · 12 DOM
Sold · Dec ’25$715,000
4545 CLEARWATER HARBOR DRIVE N · same community
2 bd · 2 ba · 2,553 sqft · $280/sqft · 144 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4598 CLEARWATER HARBOR DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4598 CLEARWATER HARBOR DRIVE S — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4598 CLEARWATER HARBOR DRIVE S FAQs
What would the monthly payment be for 4598 CLEARWATER HARBOR DRIVE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,090/mo — principal and interest, the actual property-tax bill, the $100/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4598 CLEARWATER HARBOR DRIVE S?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4598 CLEARWATER HARBOR DRIVE S?+
The most recent tax bill on record (2025) was $17,172. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4598 CLEARWATER HARBOR DRIVE S?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Largo?+
At $2,495,000, this home is listed about 732% above the Largo median of $299,999. The market section on this page shows how the area is trending.
Which schools are assigned to 4598 CLEARWATER HARBOR DRIVE S?+
Anona Elementary School (elementary), Largo High School (high), Seminole Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$2,495,000 runs 940% above the LARGO 33770 median — but at 3,489 sqft it's also nearly 3 times the size of the typical Largo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ATLIS REALTY GROUP LLC · Ayoub Aitelhaj. MLS #O6421251.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Largo homes, in your inbox
Like 4598 CLEARWATER HARBOR DRIVE S but not quite? A daily digest of every new listing in Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →