David Ramirez
$1,965,0004 bd3 ba2,266 sqft$867 /sqft$12,581 /mo all-in ↓

902 OAKWOOD DRIVE, LARGO, FL, 33770

Active20 days on marketListed Jul 1, 2026MLS #TB8524079

WaterfrontPrivate poolSingle Family ResidenceHARBOR BLUFFS SEC 4

About this home

902 OAKWOOD DRIVE

Step outside to a sparkling pool and sun-drenched lanai. A few more steps and you’re on your private dock, where the Intracoastal Waterway stretches out as far as the eye can see. That kind of outdoor access is becoming nearly impossible to find in Pinellas County. Most waterfront properties have been — or will be — elevated to meet flood zone standards, eliminating that seamless indoor-outdoor connection. Don’t miss your opportunity — this is the one they said didn’t exist anymore. This residence has passed all required Pinellas County inspections — including electrical, plumbing, and roofing — with full documentation on file, yet retains its original ground-level footprint just steps from the water. For buyers seeking true step-out waterfront living, opportunities like this one are not being replicated. Nestled in the waterfront enclave of Harbor Bluffs — one of Pinellas County’s most cherished communities, celebrated for its serene, deed-restricted streets and proximity to the Gulf — this 4-bedroom, 3-bathroom pool home sits on a rare lot delivering water views on both the rear and side of the property. Whether you’re arriving home by boat or simply watching the herons work the seawall on a quiet morning, the water is always front and center. Inside, the updates speak for themselves. The remodeled kitchen features white granite countertops, soft-close cabinetry, stainless steel appliances, and a natural gas range — made for effortless entertaining. Classic plantation shutters flow throughout, lending a clean coastal elegance that carries from room to room. The north-facing orientation means living spaces stay naturally cool and bright without harsh afternoon sun — a quiet luxury that west-facing waterfront buyers discover too late. Behind the scenes, this home has been meticulously upgraded: PGT hurricane-impact, energy-efficient windows throughout, a NEC code-compliant electric panel upgraded in 2025, newly blown-in cellulose attic insulation, a tankless water heater, and a new roof and primary AC installed in 2022. A convenient interior laundry closet rounds out a home that has been carefully maintained where it counts. For the boating enthusiast, the private dock with boat lift puts you on the water in minutes — no marina fees, just your boat on your schedule and the waterway at your doorstep — with quick access to the open Gulf beyond. When you’d rather stay close to home, the pool and lanai are waiting. While this property sustained minor flooding during Hurricane Helene in September 2024, the home was fully remediated by licensed professionals, all required permits were filed with Pinellas County, and every inspection passed. This is a home that has been through the worst Florida can deliver — and came out the other side ready for its next chapter. And that next chapter begins in Harbor Bluffs — the kind of neighborhood where neighbors know each other by name, egrets and herons work the seawalls like they pay rent, and every evening reminds you exactly why you chose waterfront Florida living. Minutes from the pristine Gulf Coast beaches, with the fabulous restaurants and boutiques of Belleair Bluffs just blocks away. World-class libraries, beautiful parks, and excellent medical facilities are all close at hand — with St. Pete-Clearwater Airport minutes away and Tampa International 30 minutes away. This is an address that never goes out of style — don’t miss out on this timeless opportunity to call it your own.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,266

Sqft

0.21 ac

Lot size

2

Garage

1960

Year built

One

Levels

$867

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringVinyl
AppliancesDishwasher · Dryer · Range · Refrigerator · Tankless Water Heater · Washer
InteriorCeiling Fan(s) · Thermostat
LaundryLaundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationBlock
ViewWater
FacesSouth
ExteriorLighting · Sliding Doors

Community & fees

HOA fee$35/mo
Taxes (2025)$12,555/yr
PetsYes
CommunityPark

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Street Lights · 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.

$12,581 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,603
PMI (est., until 20% equity)$737
Property tax — 2025 actual bill$1,046
HOA fee — from the listing$35
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $196,500Loan30-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% · $196,500
Interest rate6.00%
Loan term

Estimated payment

$12,581/mo

Principal & interest$10,603
PMI (est., until 20% equity)$737
Property taxes (actual bill)$1,046
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.

List $2.0M
$909KedgeAI estimate $996,797 · range $947K$1.0M$2.0M

vs edgeAI estimate

+97.1%

$/sqft vs Largo actives

$867 vs $236

Days on market

20 vs 42 typical

Where $867/sqft sits among the 400 Largo actives

196
147
41
6
6
4 · this home
$105–232$232–359$359–486$486–613$613–740$740+

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 902 OAKWOOD DRIVE inside its neighborhood boundary

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)

207 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 719% above the LARGO 33770 median. See the full Largo market guide →

Paper trail

This home's history

Jul 1, 2026Listed at $1,965,000 · 20 days on market since
1960Built · HARBOR BLUFFS SEC 4

Reality check

What actually sold near 902 OAKWOOD DRIVE

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

405 BUTTONWOOD LANESold · Apr ’26

$1,180,000

405 BUTTONWOOD LANE · same community

3 bd · 3 ba · 2,189 sqft · $539/sqft · 3 DOM

309 BUTTONWOOD LANESold · Nov ’25

$1,100,000

309 BUTTONWOOD LANE · same community

3 bd · 2 ba · 2,121 sqft · $519/sqft · 50 DOM

910 OAKWOOD DRIVESold · Sep ’25

$775,000

910 OAKWOOD DRIVE · same community

4 bd · 2 ba · 2,028 sqft · $382/sqft · 12 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 902 OAKWOOD DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 902 OAKWOOD 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.

Goes straight to David’s phone and CRM.

Straight answers

902 OAKWOOD DRIVE FAQs

What would the monthly payment be for 902 OAKWOOD DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,581/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 902 OAKWOOD DRIVE?+

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 902 OAKWOOD DRIVE?+

The most recent tax bill on record (2025) was $12,555. 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 902 OAKWOOD DRIVE?+

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 $1,965,000, this home is listed about 629% above the Largo median of $269,500. The market section on this page shows how the area is trending.

Which schools are assigned to 902 OAKWOOD DRIVE?+

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

$1,965,000 runs 719% above the LARGO 33770 median — but at 2,266 sqft it's also nearly twice 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 CHARLES RUTENBERG REALTY INC · Barbara Brockwell. MLS #TB8524079.

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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