109 DRIFTWOOD LANE, LARGO, FL, 33770
Active138 days on marketListed Mar 9, 2026MLS #TB8484607
About this home
109 DRIFTWOOD LANE
Perfectly poised in the highly sought-after Harbor Bluffs, this stunning move-in ready waterfront residence offers the ultimate blend of luxury, comfort, and effortless Florida living. From the moment you arrive, the pavered circular driveway and welcoming courtyard create unforgettable curb appeal, setting the tone for the designer finishes found throughout. Inside, limestone floors flow through an open, light-filled interior where a striking family room with a beamed ceiling and a dramatic wall of sliders seamlessly connects indoor and outdoor living. Step outside to your backyard oasis—fully fenced for privacy—where a beautifully refinished pool with elegant marble pavers and a spillover spa create a true resort-style setting. Designed for unforgettable entertaining, this outdoor retreat offers expansive lounging areas and seamless access from multiple rooms of the home. Double doors reveal a versatile flex room—ideal as a home gym, craft studio, or additional bedroom—with a full bath conveniently nearby. The showstopping dine-in kitchen is a chef’s dream, featuring quartz countertops, a six-burner gas range, double ovens, a Bosch dishwasher, pantry, oversized island with prep sink, and a breakfast bar illuminated by elegant pendant lighting. A stylish dry bar with wine fridge and abundant storage, along with a charming coffee bar for relaxed poolside mornings, elevate everyday living. Sliders off the dining area open directly to the pool, enhancing the home’s seamless flow, while a dedicated office provides quiet productivity. The exquisite primary suite is a serene retreat filled with natural light and private pool access. Its spa-inspired ensuite boasts dual vanities, custom tilework, a jetted tub, walk-in shower, and an extraordinary custom walk-in closet with built-ins and center island. Each additional bedroom is spacious and well-appointed with its own ensuite bath. Upstairs, a flexible bonus space—currently a billiard room—offers a full bath and kitchenette with beverage area, refrigerator, and disposal, making it ideal for guests or multigenerational living. For boating enthusiasts, this property is a true paradise, set on protected water and complete with a 14,000-pound boat lift that accommodates a 24–26 ft boat, providing quick access to open water and endless days cruising the Intracoastal. With a whole-house generator, tankless water heater, flood barriers for every opening, a newer roof, and a quiet location close to dining, shopping, and the area’s beautiful beaches, this exceptional waterfront home truly has it all.
Facts & features
The home at a glance
4
Bedrooms
5
Bathrooms
4,079
Sqft
0.23 ac
Lot size
2
Garage
1968
Year built
Two
Levels
$551
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.
$13,711 /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
$13,711/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
$551 vs $236
Days on market
138 vs 42 typical
Where $551/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 Bluffs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Harbor Bluffs — neighborhood snapshot
Population
1,626
Median age
55
Median income
$134,535
Median home value
$673,943
Avg household
3
Households w/ children
122
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 → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
200 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 717% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 DRIFTWOOD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,005,000
111 DRIFTWOOD LANE · same community
3 bd · 4 ba · 2,442 sqft · $412/sqft · 184 DOM
Sold · Apr ’26$1,530,000
2326 SETON LANE
5 bd · 4 ba · 4,270 sqft · $358/sqft · 20 DOM
Sold · Dec ’25$1,135,000
2275 KINGS POINT DRIVE
4 bd · 4 ba · 3,850 sqft · $295/sqft · 29 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 109 DRIFTWOOD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 DRIFTWOOD LANE — 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
109 DRIFTWOOD LANE FAQs
What would the monthly payment be for 109 DRIFTWOOD LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,711/mo — principal and interest, the actual property-tax bill, the $35/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 109 DRIFTWOOD LANE?+
The association fee works out to $35 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 109 DRIFTWOOD LANE?+
The most recent tax bill on record (2025) was $6,516. 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 109 DRIFTWOOD LANE?+
The listing reports pets: Yes. 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 $2,248,000, this home is listed about 734% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 109 DRIFTWOOD LANE?+
Mildred Helms Elementary School (elementary), Largo High School (high), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$2,248,000 runs 717% above the LARGO 33770 median — but at 4,079 sqft it's also nearly 3 times the size of the typical Largo listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
138 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Mildred Helms Elementary School, Largo High School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $2,498,000, now $2,248,000 — a $250K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Martha Thorn. MLS #TB8484607.
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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