201 HARBOR BLUFF DRIVE, LARGO, FL, 33770
Active13 days on marketListed Jul 7, 2026MLS #TB8525941
About this home
201 HARBOR BLUFF DRIVE
Bright, turnkey living in coveted Harbor Bluffs. Fully remodeled 4-bedroom, 3-bath pool home on a one-third acre corner lot with a circular drive and fresh coastal landscaping. Inside, an airy open plan showcases wide-plank LVP floors, recessed lighting, and a wall of impact-rated windows for natural light. The all-new kitchen centers the home with white shaker cabinetry, quartz counters and backsplash, a large waterfall-edge island in soft gray, stainless appliances, sleek range hood, and pendant lighting—ideal for casual dining and entertaining. The adjoining great room and dining area flow to the lanai and screened pool. The primary suite opens to the pool and features a walk-in closet plus a well-appointed, efficient bath with a modern vanity and marble-look tile shower. Two stylish hall baths (including a true pool bath with exterior access) offer updated vanities, fixtures, and tile. Split bedroom layout provides privacy and flexibility for guests or a home office. Outside, enjoy a resort-style, screen-enclosed pool with expansive paver deck and a deep, fenced backyard with room to play or garden. Major updates deliver peace of mind: new kitchen, new baths, new flooring, impact windows, three new sliders, a new modern front door, new AC with all-new ductwork, newer roof, brand-new electrical panel, inside laundry/utility room, and a refurbished irrigation/sprinkler system, plus all-new interior shaker doors and frames. Less than a mile to the Gulf beaches and moments to the restaurants and shops of Belleair Bluffs—plus easy access to causeways and commuter routes—yet tucked into a quiet, established neighborhood. Move-in ready and beautifully finished—this Harbor Bluffs gem checks every box.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,783
Sqft
0.37 ac
Lot size
2
Garage
1962
Year built
One
Levels
$449
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.
$5,057 /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
$5,057/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
+18.7%
$/sqft vs Largo actives
$449 vs $235
Days on market
13 vs 42 typical
Where $449/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)
205 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 233% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 201 HARBOR BLUFF DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$700,000
112 PALMETTO LANE · same community
3 bd · 2 ba · 1,826 sqft · $383/sqft · 2 DOM
Sold · Mar ’26$500,000
201 HARBOR BLUFF DRIVE · same community
4 bd · 3 ba · 1,718 sqft · $291/sqft · 2 DOM
Sold · Sep ’25$710,000
118 LIVE OAK LANE · same community
4 bd · 2.5 ba · 1,864 sqft · $381/sqft · 3 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 201 HARBOR BLUFF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 201 HARBOR BLUFF 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
201 HARBOR BLUFF DRIVE FAQs
What would the monthly payment be for 201 HARBOR BLUFF DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,057/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 201 HARBOR BLUFF 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 201 HARBOR BLUFF DRIVE?+
The most recent tax bill on record (2025) was $2,953. 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 201 HARBOR BLUFF 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 $799,900, this home is listed about 197% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 201 HARBOR BLUFF 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
$799,900 runs 233% above the LARGO 33770 median — but at 1,783 sqft it's also 46% larger than the typical Largo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 RE/MAX ACTION FIRST · Tamra Kennedy. MLS #TB8525941.
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.
Never miss a listing
New Largo homes, in your inbox
Like 201 HARBOR BLUFF DRIVE but not quite? A daily digest of every new listing in Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →