226 POINCIANA LANE, LARGO, FL, 33770
Pending32 days on marketListed Jul 6, 2026MLS #TB8526205
About this home
226 POINCIANA LANE
Perfectly positioned at the end of a quiet cul-de-sac, this extraordinary fully furnished waterfront estate boasts an impressive 175 feet of south-facing waterfront, offering panoramic views, abundant natural light, and deep-water boating access to the Intracoastal Waterway and the Gulf. Beautifully updated with today's luxury lifestyle in mind, this exceptional residence features 4 bedrooms, 4 bathrooms, a private office, and an oversized 6-car garage, delivering an unmatched combination of architectural elegance and modern convenience. A dramatic double-door entry opens to a grand foyer highlighted by a custom sweeping staircase and light-filled interiors with breathtaking waterfront views from nearly every room. Rich hardwood floors, exquisite custom millwork, and refined designer finishes create an atmosphere of timeless sophistication, while the open-concept floor plan is perfectly designed for both everyday living and elegant entertaining. At the heart of the home is a spectacular chef's kitchen featuring a large center island, professional-grade appliances, abundant custom cabinetry, a walk-in pantry, and handcrafted designer lighting. The kitchen flows effortlessly into the spacious family room, creating seamless indoor-outdoor living and entertaining. The luxurious primary suite is a true waterfront sanctuary, offering spectacular water views and dual primary baths. One spa-inspired marble bath with dual vanities, a soaking tub, and an oversized walk-in shower. The other custom bath features a glass-enclosed shower and designer vanity. The additional 3 bedrooms with en-suite are generously sized and beautifully appointed. Designed to embrace the very best of Florida waterfront living, the outdoor spaces are truly exceptional. Multiple terraces provide the perfect setting for entertaining or relaxing while enjoying spectacular sunsets. The resort-style pool features an AquaLink-controlled spa and bubblers, complemented by a newer seawall and a Trex dock equipped with 16,000lbs & 4500lbs boat lifts, providing effortless access to the Intracoastal Waterway and the Gulf in just minutes. Recent improvements include a whole-house generator, hurricane-impact windows (2017), new garage doors (2024), Trane HVAC systems (2022), new pool equipment (2024), and new outdoor ceiling fans (2026), offering peace of mind and modern efficiency. With its premier location, expansive waterfront, luxury finishes, exceptional boating facilities, and resort-style amenities, this one-of-a-kind home represents a rare opportunity to own one of the Gulf Coast's finest waterfront residences. Harbor Bluffs is minutes from Belleair Bluffs, Belleair, golf, beaches, parks, and dining.
Facts & features
The home at a glance
4
Bedrooms
5
Bathrooms
3,978
Sqft
0.32 ac
Lot size
6
Garage
2001
Year built
Three Or More
Levels
$1,179
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.
$29,151 /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
$29,151/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.
$/sqft vs Largo actives
$1,179 vs $242
Days on market
32 vs 52 typical
Where $1,179/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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $319K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
208 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 1605% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 226 POINCIANA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$3,100,000
106 DRIFTWOOD LANE · same community
3 bd · 3.5 ba · 3,350 sqft · $925/sqft · 50 DOM
Sold · Apr ’26$2,020,000
215 DRIFTWOOD LANE · same community
3 bd · 3 ba · 2,989 sqft · $676/sqft · 116 DOM
Sold · May ’26$1,349,000
109 POINCIANA LANE · same community
3 bd · 3.5 ba · 2,595 sqft · $520/sqft · 0 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 226 POINCIANA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 226 POINCIANA 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.
Straight answers
226 POINCIANA LANE FAQs
What would the monthly payment be for 226 POINCIANA LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $29,151/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 226 POINCIANA 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 226 POINCIANA LANE?+
The most recent tax bill on record (2025) was $22,685. 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 226 POINCIANA 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 $4,690,000, this home is listed about 1469% above the Largo median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 226 POINCIANA 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
$4,690,000 runs 1605% above the LARGO 33770 median — but at 3,978 sqft it's also nearly 3 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.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS BELLEAIR · Stephen Kepler. MLS #TB8526205.
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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