4545 HARBOR HILLS DRIVE, LARGO, FL, 33770
Active71 days on marketListed May 15, 2026MLS #TB8507894
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Upcoming open house
Thu, Aug 6
5:00 PM – 7:00 PM
Over 3,900 sq ft with 8 beds/4 baths this waterfront pool home is sure to impress! Completely turnkey with solid short-term rental history.
About this home
4545 HARBOR HILLS DRIVE
Perfectly positioned within the exclusive waterfront enclave of Harbor Hills, this extraordinary luxury residence is the definition of turnkey coastal sophistication. Showcasing over 3,900 square feet of impeccably redesigned living space, this architectural showpiece has undergone a complete high-end transformation with more than $200,000 invested in premium finishes, designer furnishings, and bespoke upgrades throughout. Offering 8 spacious bedrooms, 4 luxurious bathrooms, and a 2-car garage, this fully furnished estate is perfectly tailored for elevated personal living, executive retreats, or a high-performing luxury vacation rental investment. Every inch of the home has been thoughtfully curated with all-new fittings, modern designer finishes, custom details, and refined craftsmanship that create an atmosphere of effortless elegance. From the moment you arrive the grand circular driveway, lush tropical landscaping, and commanding waterfront presence set the tone for what awaits inside. Expansive open-concept living areas are flooded with natural light and seamlessly blend indoor and outdoor living, all framed by breathtaking panoramic open water views. The outdoor setting is equally spectacular — offering the rare combination of wide-open water vistas with the protection of a sheltered dock, creating an ideal environment for boating enthusiasts and waterfront entertaining alike. Enjoy tranquil sunrises, glowing sunsets, and the ultimate Florida lifestyle from your private waterfront oasis. Designed for both luxury and profitability, the property is completely move-in ready and rental ready, operating as a proven turnkey Airbnb investment with exceptional income potential from day one. Whether utilized as an elite waterfront residence, a seasonal escape, or a premier short-term rental asset, this home delivers unmatched versatility and immediate cash-flow opportunity. A rare offering where luxury, lifestyle, and investment performance converge seamlessly on the water.
Facts & features
The home at a glance
8
Bedrooms
4
Bathrooms
3,943
Sqft
0.18 ac
Lot size
2
Garage
1967
Year built
Two
Levels
$628
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 — not generic estimates.
$15,530 /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
$15,530/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
$628 vs $240
Days on market
71 vs 42 typical
Where $628/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)
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 800% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 4545 HARBOR HILLS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$940,000
4544 HARBOR HILLS DRIVE · same community
3 bd · 3 ba · 1,904 sqft · $494/sqft · 20 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 4545 HARBOR HILLS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4545 HARBOR HILLS 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
4545 HARBOR HILLS DRIVE FAQs
What would the monthly payment be for 4545 HARBOR HILLS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,530/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4545 HARBOR HILLS DRIVE?+
The most recent tax bill on record (2025) was $13,037. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Largo?+
At $2,475,000, this home is listed about 818% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4545 HARBOR HILLS 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
$2,475,000 runs 800% above the LARGO 33770 median — but at 3,943 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.
03Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $2,525,000, now $2,475,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Michael Jones. MLS #TB8507894.
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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