125 HARBOR BLUFF DRIVE, LARGO, FL, 33770
Active101 days on marketListed Apr 10, 2026MLS #TB8496539
About this home
125 HARBOR BLUFF DRIVE
Welcome to 125 Harbor Bluffs Drive, where generous living spaces, a versatile floor plan, and an exceptional Harbor Bluffs location combine to create an outstanding opportunity. With fresh pricing, buyers seeking space, flexibility, and the ability to add their own personal style will appreciate everything this 4-bedroom, 3-bath home has to offer. The main level features an open living and dining area anchored by a fireplace, creating a comfortable setting for everyday living and entertaining. The kitchen has been updated with stone countertops and stainless steel appliances, while both main-level bathrooms also feature stone surfaces for a cohesive look. The primary suite includes a private bath, accompanied by two additional bedrooms and a guest bath. French doors open to a spacious patio, pool, and fenced backyard designed for enjoying Florida's outdoor lifestyle. The expansive deck provides ample room for outdoor dining, relaxing, or creating the outdoor entertaining space you've envisioned, with plenty of room for a future grill station or outdoor kitchen. One of the home's standout features is its flexible multi-level design. The lower level offers a large bonus room plus an additional flex space ideal for a media room, home office, fitness area, hobby room, or game room. The upper level features a private guest suite complete with its own living area, bedroom, full bath, and separate exterior entrance—an ideal setup for extended guests, multi-generational living, or added privacy. A circular driveway provides convenient access and additional parking. Harbor Bluffs offers convenient access to many of the area's most popular destinations, including approximately 3 miles to Indian Rocks Beach and Belleair Beach, 5 miles to Downtown Clearwater, 20 miles to Downtown St. Petersburg, and 18 miles to Tampa International Airport. Nearby parks, marinas, golf courses, waterfront recreation, shopping, dining, and everyday conveniences are all just minutes away. If you've been waiting for a spacious home in Harbor Bluffs with the opportunity to personalize over time, this is one worth seeing. All information is believed to be accurate but is not guaranteed. Buyers and agents to verify all facts and information pertinent to their purchase decision.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,567
Sqft
0.29 ac
Lot size
1954
Year built
Multi/Split
Levels
$290
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.
$5,250 /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
$5,250/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
−37.7%
$/sqft vs Largo actives
$290 vs $234
Days on market
101 vs 42 typical
Where $290/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
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)
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 210% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 125 HARBOR BLUFF 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$790,000
125 LIVE OAK LANE · same community
3 bd · 2 ba · 2,131 sqft · $371/sqft · 50 DOM
Sold · Oct ’25$660,000
120 CRESTWOOD LANE · same community
3 bd · 2 ba · 2,115 sqft · $312/sqft · 96 DOM
Sold · Aug ’25$1,235,000
128 PALMETTO LANE · same community
3 bd · 2.5 ba · 3,021 sqft · $409/sqft · 2 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 125 HARBOR BLUFF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 125 HARBOR 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.
Straight answers
125 HARBOR BLUFF DRIVE FAQs
What would the monthly payment be for 125 HARBOR BLUFF DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,250/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 125 HARBOR BLUFF DRIVE?+
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 125 HARBOR BLUFF DRIVE?+
The most recent tax bill on record (2025) was $9,147. 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 125 HARBOR BLUFF DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $743,900, this home is listed about 176% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 125 HARBOR BLUFF DRIVE?+
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
$743,900 runs 210% above the LARGO 33770 median — but at 2,567 sqft it's also nearly twice 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.
03Time on market is leverage
101 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 $789,900, now $743,900 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RESULTS REAL ESTATE INC · Stephanie See. MLS #TB8496539.
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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