212 POINCIANA LANE, LARGO, FL, 33770
Active115 days on marketListed Apr 15, 2026MLS #TB8498143
Come see it
Upcoming open house
Sat, Aug 8
1:00 PM – 3:00 PM
About this home
212 POINCIANA LANE
Great Waterfront Location in Desirable Harbor Bluffs – A Boater’s Paradise. Experience the best of Florida waterfront living in this 4-bedroom, 3-bath home with a 2-car garage, ideally situated in the highly sought-after Harbor Bluffs community. From the moment you step through the double-door entry, you’re welcomed into a spacious living room with stunning water views that set the tone for the entire home. The thoughtfully designed floor plan offers both comfort and flexibility, featuring a private primary suite with a full en suite bathroom, plus an adjacent bedroom perfect for a nursery, home office, or den. A split-bedroom layout provides two additional bedrooms and a full bathroom—ideal for guests or family. A third full bathroom provides added convenience. Designed for indoor-outdoor living, sliding glass doors from the primary suite, living room, and dining room open to an expansive paver deck—perfect for entertaining or relaxing poolside. The oversized, solar-heated, screen-enclosed pool features new equipment and a color LED light for evening ambiance. Enjoy 88 feet of protected Intracoastal waterfront with a new elevated seawall and dock (2022), along with a recently serviced Deco Lift—ready for your boat. Watch dolphins play and take in breathtaking sunsets right from your backyard. Additional highlights include: Large laundry room with sink and garage access, Circular driveway with ample parking, Roll-down hurricane shutters, Irrigation system, Newer 4-ton A/C (2022), Newer water heater (2021), Flood elevation certificate available (7.1’), Home warranty included. This is your opportunity to own a slice of paradise in one of the area’s most coveted waterfront neighborhoods. Move in and enjoy this lovely home or build on its potential.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,582
Sqft
0.24 ac
Lot size
2
Garage
1968
Year built
One
Levels
$591
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.
$9,876 /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
$9,876/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
+28.4%
$/sqft vs Largo actives
$591 vs $237
Days on market
115 vs 50 typical
Where $591/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 → $326K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
214 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 492% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 212 POINCIANA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,349,000
109 POINCIANA LANE · same community
3 bd · 3.5 ba · 2,595 sqft · $520/sqft · 0 DOM
Sold · Apr ’26$999,999
206 POINCIANA LANE · same community
3 bd · 3 ba · 2,468 sqft · $405/sqft · 106 DOM
Sold · Apr ’26$2,020,000
215 DRIFTWOOD LANE · same community
3 bd · 3 ba · 2,989 sqft · $676/sqft · 116 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 212 POINCIANA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 212 POINCIANA 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
212 POINCIANA LANE FAQs
What would the monthly payment be for 212 POINCIANA LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,876/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 212 POINCIANA 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 212 POINCIANA LANE?+
The most recent tax bill on record (2025) was $10,569. 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 212 POINCIANA 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 $1,525,000, this home is listed about 408% above the Largo median of $299,950. The market section on this page shows how the area is trending.
Which schools are assigned to 212 POINCIANA 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
$1,525,000 runs 492% above the LARGO 33770 median — but at 2,582 sqft it's also nearly twice 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
115 days on market against a Largo median of 50 — 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 $1,625,000, now $1,525,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of VIEWPOINT REALTY INTERNATIONAL · Georgette Gillis. MLS #TB8498143.
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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