David Ramirez
$3,999,0005 bd5.5 ba4,786 sqft$836 /sqft$26,777 /mo all-in ↓

220 HARBOR VIEW LANE, LARGO, FL, 33770

Active31 days on marketListed Jun 22, 2026MLS #TB8521648

WaterfrontPrivate poolSingle Family ResidenceHARBOR BLUFFS SEC 2

About this home

220 HARBOR VIEW LANE

Nestled within the highly coveted Harbor Bluffs waterfront neighborhood, where much of this stretch rests atop natural limestone bluffs rising approximately 20 feet above sea level, this exceptional waterfront residence offers a rare blend of timeless elegance, flexible living spaces, and the quintessential Florida lifestyle. From the moment you arrive, lush tropical landscaping and impressive curb appeal create a warm and welcoming first impression. Step through the front door and discover a light-filled interior where neutral tones, rich wood flooring, and soaring ceilings create an atmosphere that is both inviting and sophisticated. A spectacular catwalk overlooks the main living area below, adding architectural drama while drawing your eye toward the spacious family room, where a handsome brick fireplace serves as the heart of the home. Thoughtful custom built-ins in both the dining room and kitchen add warmth, character, and functionality throughout. Designed to impress even the most discerning chef, the enormous kitchen features a large center island with stovetop and seating, granite countertops, a Sub-Zero refrigerator, Sub-Zero freezer, wine fridge, pantry, and abundant workspace for entertaining family and friends. The flexible floor plan is ideal for multigenerational living, offering two primary suites—one conveniently located on the main level and an extraordinary retreat upstairs. The upper-level primary suite is truly a private sanctuary, complete with a dramatic double-sided fireplace, an expansive walk-in closet with custom built-ins, breathtaking water views, and a luxurious en-suite bath featuring dual vanities, a relaxing soaking tub, and a spacious walk-in shower. Additional bedrooms are generously sized, filled with natural light, and offer ample closet space, while an upstairs laundry room with a utility sink and mini refrigerator adds everyday convenience. Two separate staircases provide easy access throughout the home and enhance the thoughtful design. Step outside and experience the very best of waterfront living. A sparkling pool and spa are surrounded by multiple entertaining areas designed for both intimate gatherings and grand celebrations with an outside tiled shower room and separate bathroom. Beyond the pool, a sprawling lawn stretches toward the water's edge, where a Trex dock and private boat slip await boating enthusiasts eager to explore the Intracoastal waterways and Gulf beyond. Perfectly positioned near local restaurants, boutique shopping, and the area's world-famous white sand beaches, this remarkable Harbor Bluffs residence offers an unparalleled opportunity to enjoy luxury waterfront living at its finest.

Facts & features

The home at a glance

5

Bedrooms

5.5

Bathrooms

4,786

Sqft

0.67 ac

Lot size

2

Garage

1968

Year built

Two

Levels

$836

Per sqft

Private poolWaterfrontFireplacePets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Microwave
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Chair Rail · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesEast
ExteriorBalcony · French Doors · Hurricane Shutters · Irrigation System · Outdoor Shower

Community & fees

HOA fee$35/mo
Taxes (2025)$42,042/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Water Connected
WaterPublic

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.

$26,777 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$21,578
PMI (est., until 20% equity)$1,500
Property tax — 2025 actual bill$3,504
HOA fee — from the listing$35
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $399,900Loan30-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% · $399,900
Interest rate6.00%
Loan term

Estimated payment

$26,777/mo

Principal & interest$21,578
PMI (est., until 20% equity)$1,500
Property taxes (actual bill)$3,504
HOA / condo fee$35
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

$836 vs $236

Days on market

31 vs 42 typical

Where $836/sqft sits among the 400 Largo actives

190
143
49
7
4
7 · this home
$107–229$229–350$350–471$471–593$593–714$714+

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

Map of 220 HARBOR VIEW LANE inside its neighborhood boundary

Drive times from this address

Downtown Tampa38 min
Tampa Int’l Airport (TPA)38 min

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

ElementaryMildred Helms Elementary School★★★★
HighLargo High School★★★★★
MiddleLargo Middle School★★★★★

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)

202 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 1503% above the LARGO 33770 median. See the full Largo market guide →

Paper trail

This home's history

Jun 22, 2026Listed at $3,999,000 · 31 days on market since
1968Built · HARBOR BLUFFS SEC 2

Reality check

What actually sold near 220 HARBOR VIEW LANE

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

208 LIVE OAK LANESold · Aug ’25

$1,650,000

208 LIVE OAK LANE · same community

4 bd · 4.5 ba · 3,770 sqft · $438/sqft · 15 DOM

222 HARBOR VIEW LANESold · Nov ’25

$2,400,000

222 HARBOR VIEW LANE · same community

3 bd · 4 ba · 3,724 sqft · $644/sqft · 5 DOM

316 CEDAR LANESold · Aug ’25

$1,200,000

316 CEDAR LANE · same community

6 bd · 4 ba · 3,344 sqft · $359/sqft · 33 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 220 HARBOR VIEW LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 220 HARBOR VIEW 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.

Goes straight to David’s phone and CRM.

Straight answers

220 HARBOR VIEW LANE FAQs

What would the monthly payment be for 220 HARBOR VIEW LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $26,777/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 220 HARBOR VIEW 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 220 HARBOR VIEW LANE?+

The most recent tax bill on record (2025) was $42,042. 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 220 HARBOR VIEW 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 $3,999,000, this home is listed about 1384% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 220 HARBOR VIEW 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

Three things that matter here

01Positioned at the premium end

$3,999,000 runs 1503% above the LARGO 33770 median — but at 4,786 sqft it's also nearly 4 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

Mildred Helms Elementary School, Largo High School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of COLDWELL BANKER REALTY · Martha Thorn. MLS #TB8521648.

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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