David Ramirez
$7,900,0006 bd8 ba9,136 sqft$865 /sqft$49,294 /mo all-in ↓

15041 HARDAGE STREET, LARGO, FL, 33774

Active66 days on marketListed May 20, 2026MLS #TB8510766

WaterfrontPrivate poolSingle Family ResidenceINDIAN ROCKS

About this home

15041 HARDAGE STREET

An extraordinary waterfront estate set on 2.75 private acres, this grand residence offers an impressive 9,136 square feet of luxurious living space designed for both lavish entertaining and everyday comfort. Completely fenced and gated with separate entrance and exit access, the property features a private pavered road, expansive driveway with ample RV and boat parking, and a remarkable 6-car garage with enough ceiling clearance to accommodate vehicle lifts for up to 12 cars total. Surrounded by lush tropical landscaping with no direct neighbors, the outdoor oasis showcases a custom lagoon-style pool complete with a jacuzzi, slide, walk-in entry, multiple sun shelves, and dual waterfalls, along with a spacious cabana, private dock with two lifts, whole-home generator, and 1,000-gallon propane tank. An elevator services all three floors for seamless convenience. The first level was designed with entertaining in mind, featuring two walls of paneled sliders that create a true indoor-outdoor experience overlooking the pool and spa. Highlights include a 300-bottle temperature-controlled walk-in wine cellar, theatre room with upgraded AV equipment and wet bar, expansive gathering spaces ideal for billiards or poker, oversized island seating for 10, and an impressive lounge area. A private in-law suite with separate entrance offers a full bath, large flex space, kitchenette, and full-size refrigerator. The second floor serves as the heart of the home with a newly renovated chef’s kitchen outfitted with high-end Thermador appliances, double ovens, two oversized islands, breakfast nook, and a large walk-in butler’s pantry. The kitchen overlooks a cozy sitting area with fireplace and opens to a spacious terrace with outdoor grill. Also on this level are a stunning office with coffered ceilings, private bath, and balcony access, formal dining room, and a large guest suite with en-suite bath and private terrace. The third floor offers three additional en-suite bedrooms plus a large bonus room that can easily function as a fourth bedroom. The primary suite is truly exceptional, featuring a wraparound terrace with panoramic intracoastal and Gulf views, wet bar, double-sided fireplace, dual walk-in closets, dual vanities, and an oversized walk-in shower with four shower heads. Additional upgrades include a Control4 smart home system, surround sound throughout, and custom interior and exterior lighting. This exceptional waterfront retreat remained high and dry through recent storms, offering peace of mind alongside unparalleled luxury living.

Facts & features

The home at a glance

6

Bedrooms

8

Bathrooms

9,136

Sqft

2.75 ac

Lot size

6

Garage

2004

Year built

Three Or More

Levels

$865

Per sqft

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesBar Fridge · Dishwasher · Disposal · Dryer · Freezer · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Concrete
FoundationBlock
ViewPool · Water
FacesSoutheast
ParkingOversized · RV Parking · Split Garage
ExteriorBalcony · French Doors · Outdoor Kitchen

Community & fees

Taxes (2025)$42,520/yr
PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$49,294 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$42,628
PMI (est., until 20% equity)$2,963
Property tax — 2025 actual bill$3,543
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $790,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $790,000
Interest rate6.00%
Loan term

Estimated payment

$49,294/mo

Principal & interest$42,628
PMI (est., until 20% equity)$2,963
Property taxes (actual bill)$3,543
Est. insurance$160

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

$865 vs $238

Days on market

66 vs 42 typical

Where $865/sqft sits among the 400 Largo actives

190
149
44
6
6
5 · this home
$107–233$233–360$360–486$486–612$612–738$738+

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 Largo

Map of 15041 HARDAGE STREET

Drive times from this address

Downtown Tampa39 min
Tampa Int’l Airport (TPA)39 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Largo. See the full Largo guide →

LARGO 33774 — neighborhood snapshot

Population

20,018

Median age

49.1

Median income

$76,769

Median home value

$315,200

Avg household

2.38

Households w/ children

1,963

For the school run

Pinellas County School District

ElementaryOakhurst Elementary School★★★★
MiddleSeminole Middle School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Largo market

Seller’s marketLeans seller4.7 months of inventoryBuyer’s market

$340K$325K

Largo median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

204 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 3716% above the LARGO 33774 median. See the full Largo market guide →

Paper trail

This home's history

May 20, 2026Listed at $7,900,000 · 66 days on market since
2004Built · INDIAN ROCKS

Reality check

What actually sold near 15041 HARDAGE STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

10930 SPRING STREETSold · May ’26

$7,400,000

10930 SPRING STREET · same community

5 bd · 6.5 ba · 8,649 sqft · $856/sqft · 267 DOM

30 GULF BOULEVARDSold · May ’26

$3,800,000

30 GULF BOULEVARD · same community

8 bd · 7 ba · 8,212 sqft · $463/sqft · 78 DOM

32 GULF BOULEVARDSold · Nov ’25

$7,500,000

32 GULF BOULEVARD · same community

5 bd · 5.5 ba · 5,828 sqft · $1,287/sqft · 162 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 15041 HARDAGE STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 15041 HARDAGE STREET — 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.

Goes straight to David’s phone and CRM.

Straight answers

15041 HARDAGE STREET FAQs

What would the monthly payment be for 15041 HARDAGE STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $49,294/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 15041 HARDAGE STREET?+

The most recent tax bill on record (2025) was $42,520. 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 15041 HARDAGE STREET?+

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 $7,900,000, this home is listed about 2831% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 15041 HARDAGE STREET?+

Oakhurst Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$7,900,000 runs 3716% above the LARGO 33774 median — but at 9,136 sqft it's also nearly 7 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

Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of ENGEL & VOLKERS BELLEAIR · Chris Stivers. MLS #TB8510766.

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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