4124 HARBOR CIRCLE S, LARGO, FL, 33770
Active60 days on marketListed May 21, 2026MLS #TB8509725
About this home
4124 HARBOR CIRCLE S
Experience waterfront perfection at this fully renovated masterpiece in Largo. Boasting an incredible 510 feet of wide-water views, this property is a boater’s dream, featuring two composite docks ready for your large vessels—and to sweeten the deal, the boat and all the furniture is included in the sale! Nestled on nearly 1/3 of an acre, this expansive residence features 6 bedrooms and 3 baths. Entertain in the outdoor oasis with a heated pool, spillover spa, and a massive 200+ sq. ft. second-story balcony offering breathtaking vistas. A Rare Opportunity: This property is currently operating as a high-performing luxury short-term rental. Whether you are looking for an immediate high yield income property or your own private waterfront sanctuary, this home delivers. Sold fully furnished and completely "turnkey," it offers a seamless transition for investors or homeowners alike. Beyond the lifestyle benefits, the property is built for long-term peace of mind and low maintenance: 2-year-old roof, impact-resistant windows and doors, new solar system, new HVAC, and hurricane-rated garage door. Schedule your private showing today to experience this unparalleled waterfront lifestyle and investment potential!
Facts & features
The home at a glance
6
Bedrooms
3
Bathrooms
3,130
Sqft
0.31 ac
Lot size
2
Garage
1959
Year built
Two
Levels
$735
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.
$14,766 /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
$14,766/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
$735 vs $234
Days on market
60 vs 42 typical
Where $735/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
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 859% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 4124 HARBOR CIRCLE S
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$815,000
1731 CLEARWATER HARBOR DRIVE · same community
5 bd · 3 ba · 2,909 sqft · $280/sqft · 234 DOM
Sold · Aug ’25$1,022,000
4146 HARBOR HILLS DRIVE · same community
4 bd · 3 ba · 2,755 sqft · $371/sqft · 12 DOM
Sold · Dec ’25$715,000
4545 CLEARWATER HARBOR DRIVE N · same community
2 bd · 2 ba · 2,553 sqft · $280/sqft · 144 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 4124 HARBOR CIRCLE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4124 HARBOR CIRCLE S — 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
4124 HARBOR CIRCLE S FAQs
What would the monthly payment be for 4124 HARBOR CIRCLE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,766/mo — principal and interest, the actual property-tax bill, the $6/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 4124 HARBOR CIRCLE S?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4124 HARBOR CIRCLE S?+
The most recent tax bill on record (2025) was $15,925. 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 4124 HARBOR CIRCLE S?+
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 $2,300,000, this home is listed about 753% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4124 HARBOR CIRCLE S?+
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
$2,300,000 runs 859% above the LARGO 33770 median — but at 3,130 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 $2,500,000, now $2,300,000 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Varisa Chin. MLS #TB8509725.
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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