David Ramirez
$699,0004 bd3 ba1,746 sqft$400 /sqft$4,416 /mo all-in ↓

3966 HIGH BLUFF DRIVE, LARGO, FL, 33770

Active170 days on marketListed Jan 30, 2026MLS #TB8466262

Private poolSingle Family ResidenceHARBOR HILLS

About this home

3966 HIGH BLUFF DRIVE

Welcome to 3966 High Bluff Drive, a beautifully updated four-bedroom, three-bathroom saltwater pool home in the highly desirable, deed-restricted Harbor Hills community of Largo. Ideally located just minutes from the Gulf beaches yet positioned high and dry with no flood insurance required and no risk of flooding, this property offers the rare combination of coastal convenience and true peace of mind. Situated on a premium corner lot along a quiet interior street, the home delivers standout curb appeal with lush landscaping, a covered front porch, and an attractive paver driveway and walkway that create a warm and inviting first impression. Inside, the open-concept layout is designed for effortless everyday living and entertaining, featuring bamboo flooring throughout the main living areas and classic terrazzo floors in the bedrooms for durability and charm. Natural light fills the home, complemented by plantation shutters, updated ceiling fans, and contemporary lighting that enhance the relaxed Florida aesthetic. The kitchen is both functional and stylish, showcasing expansive granite countertops, abundant cabinetry, stainless steel appliances, an induction range, and a large island with additional storage and seating for up to five. It flows seamlessly into the dining and living areas, keeping gatherings connected and comfortable. The bedrooms are thoughtfully positioned toward the rear of the home for added privacy, offering generous space and flexibility. The primary suite serves as a true retreat with direct access to the pool and an ensuite bath featuring an oversized walk-in shower with crisp white tile and pebble accents. A recently renovated secondary bathroom brings spa-like appeal with contemporary finishes, an open shower design, and a freestanding soaking tub. The laundry room is conveniently located just off the kitchen with direct access from the pool area, making post-swim clean-up simple and practical. Outdoors, the private backyard oasis centers around a sparkling saltwater pool surrounded by pavers and enclosed within a screened lanai for year-round enjoyment. Beyond the pool, additional paver space, lush landscaping, and newer vinyl fencing create a private and versatile setting perfect for entertaining or relaxing in the Florida sunshine. Located near Belleair and just minutes to Indian Rocks Beach, Clearwater Beach, Sand Key, and Belleair Beach, this home places you close to world-class beaches, dining, shopping, and entertainment. Recent improvements add tremendous value and peace of mind, including a new roof, soffits, fascia, and exterior downlighting in 2023; HVAC with UV filtration in 2024; updated plumbing and electrical in 2024; bathroom remodels in 2021; and a water heater installed in 2017. With a low HOA fee of just $100 per year, 3966 High Bluff Drive offers exceptional quality, location, and lifestyle in one of Largo’s most sought-after neighborhoods.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

1,746

Sqft

0.19 ac

Lot size

2

Garage

1959

Year built

One

Levels

$400

Per sqft

Private poolPool view

Inside

FlooringTerrazzo · Hardwood
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s)
LaundryIn Kitchen · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPool
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorPrivate Mailbox

Community & fees

HOA fee$8/mo
Taxes (2024)$2,575/yr
PetsNo

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$4,416 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,772
PMI (est., until 20% equity)$262
Property tax — 2024 actual bill$215
HOA fee — from the listing$8
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,900
Interest rate6.00%
Loan term

Estimated payment

$4,416/mo

Principal & interest$3,772
PMI (est., until 20% equity)$262
Property taxes (actual bill)$215
HOA / condo fee$8
Est. insurance$160

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.

List $699K
$572KedgeAI estimate $649,317 · range $595K$784K$815K

vs edgeAI estimate

+7.7%

$/sqft vs HARBOR HILLS

$400 vs $239

Days on market

170 vs 42 typical

Where $400/sqft sits among the 9 homes for sale in HARBOR HILLS

2
6
0
0
0 · this home
1
$174–224$224–275$275–325$325–376$376–426$426+

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

Map of 3966 HIGH BLUFF DRIVE inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)41 min
Downtown Tampa46 min

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

ElementaryAnona Elementary School★★★★
HighLargo High School★★★★★
MiddleSeminole Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Largo market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$340K$325K

Largo median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

6 of 9

HARBOR HILLS have cut their price

Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 191% above the LARGO 33770 median. See the full Largo market guide →

Paper trail

This home's history

Jan 30, 2026Listed at $699,000 · 170 days on market since
1959Built · HARBOR HILLS

Reality check

What actually sold near 3966 HIGH BLUFF DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3750 AVOCADO ROADSold · Dec ’25

$610,000

3750 AVOCADO ROAD · same community

3 bd · 2 ba · 1,804 sqft · $338/sqft · 98 DOM

5400 SADDLEBACK COURTSold · Oct ’25

$495,000

5400 SADDLEBACK COURT · same community

3 bd · 2 ba · 1,895 sqft · $261/sqft · 88 DOM

1389 HIGH BLUFF DRIVE NSold · Sep ’25

$465,000

1389 HIGH BLUFF DRIVE N · same community

3 bd · 2.5 ba · 1,906 sqft · $244/sqft · 66 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3966 HIGH BLUFF DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3966 HIGH BLUFF DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

3966 HIGH BLUFF DRIVE FAQs

What would the monthly payment be for 3966 HIGH BLUFF DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,416/mo — principal and interest, the actual property-tax bill, the $8/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 3966 HIGH BLUFF DRIVE?+

The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3966 HIGH BLUFF DRIVE?+

The most recent tax bill on record (2024) was $2,575. 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 3966 HIGH BLUFF DRIVE?+

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 $699,000, this home is listed about 159% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 3966 HIGH BLUFF DRIVE?+

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

Four things that matter here

01Positioned at the premium end

$699,000 runs 191% above the LARGO 33770 median — but at 1,746 sqft it's also 43% larger than 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.

03Time on market is leverage

170 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Clay Glover, Jr. MLS #TB8466262.

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.

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