3749 MCKAY CREEK DRIVE, LARGO, FL, 33770
Active140 days on marketListed Mar 14, 2026MLS #TB8486624
About this home
3749 MCKAY CREEK DRIVE
Live the Florida lifestyle in this beautifully updated 3-bedroom, 2-bathroom, Harbor Hills pool home. It offers 1,700+ sq ft of bright, inviting living space in a high and dry, non-flood zone location. The home welcomes you with a spacious living room anchored by a large picture window and flows into a stylish kitchen with granite countertops, newer appliances, generous cabinetry, and a convenient eat-in bar. A spacious Florida room stretches across the back of the home, creating the perfect setting for entertaining or relaxing. Sliding glass doors from the Florida room and primary suite open to a screened, heated pool and lanai, seamlessly blending indoor comfort with outdoor living. A split floor plan offers privacy, while thoughtful updates include interior laundry, newer HVAC, pool heater, and fresh exterior paint. This home has received rave reviews, as both a short and long term rental. The home can be purchased furnished, offering immediate, excellent investment potential. Schedule your private showing today and experience this exceptional home for yourself!Ideally located minutes from top-rated schools, shopping, dining, the Belleair Causeway boat ramp, and the Gulf coast’s award-winning beaches. This Harbor Hills pool home checks all the boxes—ideal as a primary residence, second home, or short-term rental investment in one of Pinellas County’s most sought-after coastal communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,742
Sqft
0.19 ac
Lot size
2
Garage
1971
Year built
One
Levels
$362
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.
$4,518 /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
$4,518/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.
vs edgeAI estimate
−40.8%
$/sqft vs Largo actives
$362 vs $239
Days on market
140 vs 42 typical
Where $362/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 → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
201 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 175% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 3749 MCKAY CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$375,000
1598 BROOKSIDE BOULEVARD · same community
3 bd · 2 ba · 1,755 sqft · $214/sqft · 69 DOM
Sold · Jun ’26$820,000
1698 MCKAY CREEK DRIVE · same community
3 bd · 3 ba · 1,702 sqft · $482/sqft · 170 DOM
Sold · Mar ’26$1,015,000
3838 MCKAY CREEK DRIVE · same community
4 bd · 3 ba · 1,808 sqft · $561/sqft · 42 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 3749 MCKAY CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3749 MCKAY CREEK 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.
Straight answers
3749 MCKAY CREEK DRIVE FAQs
What would the monthly payment be for 3749 MCKAY CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,518/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 3749 MCKAY CREEK 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 3749 MCKAY CREEK DRIVE?+
The most recent tax bill on record (2025) was $8,575. 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 3749 MCKAY CREEK DRIVE?+
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 $629,900, this home is listed about 134% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3749 MCKAY CREEK 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
Five things that matter here
01Positioned at the premium end
$629,900 runs 175% above the LARGO 33770 median — but at 1,742 sqft it's also 42% 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
140 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.
05The price has already moved
Listed at $649,000, now $629,900 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE SHOP REAL ESTATE CO. · Julie Brady. MLS #TB8486624.
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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