David Ramirez
Business

Commercial Sale · Business

$2,300,0003,737 sq ft$615 /sq ft0.31 acres

4124 HARBOR CIRCLE S, LARGO, FL, 33770

Active16 days on marketListed Jul 4, 2026MLS #TB8520953

About this property

The property at a glance

Rare, high-yield luxury investment opportunity in Largo. Currently operating as a premier short-term rental, this 6-bedroom, 3-bath waterfront property is being sold fully furnished and completely 'turnkey.' Featuring 510’ of water frontage, a heated pool/spa, and two private docks, this asset is engineered for guest demand and low maintenance. Recent upgrades include a new roof, solar system, HVAC, and impact-resistant windows. Financials available to qualified buyers. Please coordinate all showings via ShowingTime; 24-hour notice required to respect current guest bookings. This property is an active, revenue-generating short-term rental (Airbnb).

3,737

Building sq ft

$615

Price / sq ft

0.31

Lot acres

1959

Year built

1

Building

R-3

Zoning

Business

Property type

Building size3,737 sq ft
Lot size0.31 acres
Year built1959
Buildings1
ZoningR-3
ConstructionBlock · Stucco
CoolingCentral Air
HeatingCentral · Electric
UtilitiesPublic
Annual taxes$15,925

The numbers

Investment snapshot

Income and lease details aren’t published in the MLS for this listing. Ask for the offering memorandum and rent roll to run cap rate, NOI and cash-on-cash.

Estimated payment (illustrative)

Down payment25% · $575,000
Interest rate6.00%
Loan term

Estimated payment

$11,829/mo

Principal & interest$10,342
Property taxes (actual bill)$1,327
Est. insurance$160

Illustrative only. Commercial loans are underwritten on the property’s income (DSCR, cap rate) — typically 25–35% down with lender-set terms. Ask a commercial lender for real numbers. 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.

Financing

Commercial financing works differently from a home loan — expect roughly 25–35% down with terms driven by the property’s income and your lender’s underwriting (DSCR, cap rate), not FHA or VA programs. Ask David to connect you with a commercial lender for real numbers.

Where it sits

Location & trade area

5-min drive10-min drive15-min drive

The area

Who's around this property

1,452

Population

$128,233

Median income

50

Median age

3

Avg household

$558,700

Median home value

167

Households w/ kids

Consumer profile

HandcraftedTop 1%

The only thing more beautiful than handmade decor? The hands that made it. This population appreciates the time and care put into one-of-a-kind pieces.

Smart ChicTop 1%

Passionate about style, smart chic searches high and low for the perfect look - but not one that will break the bank.

HipsterTop 2%

This population swims against the tide of mainstream culture. Common interests include old music, antiques, and alternative diets (i.e., veganism).

Trend TrackersTop 3%

This population lives as fast as the culture. They like to keep up with the latest trends, especially when it comes to apparel and accessories.

AwestruckTop 4%

Great things are meant to be shared, and this population is eager to show others what they find to be amazing, beautiful and exciting.

Coffee ConnoisseurTop 5%

Morning java. Cup of Joe. Caffeine in an IV. Whatever they call it, this population loves coffee and the culture around it.

Recent sales

What actually sold near 4124 HARBOR CIRCLE S

The most comparable commercial properties that changed hands nearby. No two are identical — ask us for a full comparative analysis.

19823 GULF BOULEVARD UNIT A

$28,800

19823 GULF BOULEVARD UNIT A

3,155 sqft · $9/sqft · Sold Mar 13, 2025

10333 SEMINOLE BOULEVARD UNIT 13/14

$450,000

10333 SEMINOLE BOULEVARD UNIT 13/14

2,640 sqft · $170/sqft · Sold Nov 3, 2025

1496 SEMINOLE BOULEVARD

$600,000

1496 SEMINOLE BOULEVARD

2,520 sqft · $238/sqft · Sold Nov 13, 2025

Your team

The pros in your corner

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, offers, and every question about 4124 HARBOR CIRCLE S — start here.

Andrew Acosta

Financing contact

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Ask about commercial financing options for 4124 HARBOR CIRCLE S.

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.

Listing courtesy of DALTON WADE INC · Varisa Chin. MLS #TB8520953.

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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