
902 OAKWOOD DRIVE, LARGO, FL, 33770
Active20 days on marketListed Jul 1, 2026MLS #TB8524079
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
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.
$12,581 /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
$12,581/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.
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
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
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
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)
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
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.
Sold · Apr ’26$1,180,000
405 BUTTONWOOD LANE · same community
3 bd · 3 ba · 2,189 sqft · $539/sqft · 3 DOM
Sold · Nov ’25$1,100,000
309 BUTTONWOOD LANE · same community
3 bd · 2 ba · 2,121 sqft · $519/sqft · 50 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 902 OAKWOOD DRIVE — start here.

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.
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.
Keep looking
Similar homes nearby
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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