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3838 MCKAY CREEK DRIVE, Largo, FL, 33770 | $1,095,000
Under contract-accepting backup offers. WATERFRONT LIVING – NO FLOOD INSURANCE REQUIRED. NO FLOODING FROM HURRICANE HELENE OR MILTON. Experience the best of Florida waterfront living in this fully renovated 4-bedroom, 3-bath home with a 2-car garage, located in the highly sought-after Harbor Hills neighborhood. Set high and dry on a 0. 27-acre waterfront lot, this home offers both peace of mind and an exceptional coastal lifestyle. Harbor Hills is known for its quiet streets, privacy, and pride of ownership—perfect for those who want waterfront living without the congestion of a beachside location.
The home welcomes you with a circular driveway and beautifully landscaped grounds. Inside, renovations include luxury vinyl plank flooring throughout, recessed lighting, and ceiling fans. The updated kitchen features cabinetry, countertops, stainless steel appliances, and a modern backsplash, creating an inviting space for entertaining after a day on the water.
The owner’s suite offers a walk-in closet and private ensuite bath. Two additional bedrooms share a Jack-and-Jill bathroom, while the fourth bedroom is located near a third full bath, ideal for guests or multigenerational living.
Outdoor living is a true highlight, featuring a screened lanai overlooking the pool—perfect for relaxing, hosting gatherings, or enjoying Florida’s indoor-outdoor lifestyle year-round. The pool provides a private retreat after a day on the boat or at the beach and offers plenty of deck space for lounging in the sun. A fully fenced backyard extends from the pool area directly to the waterfront, where you can unwind and watch manatees and wildlife pass by.
Enjoy effortless boating and paddling from your backyard. Pilings are already in place with space to install a boat lift, making it easy to take the boat out for evening cruises, weekend waterfront lunches, or sunset rides. Calm waters are ideal for paddleboarding and kayaking, offering daily opportunities to embrace the Florida lifestyle.
Major updates include a roof, fully renovated kitchen and bathrooms, luxury vinyl plank flooring throughout, updated lighting and fans, water heater, plumbing relining, whole-house water softener and filtration system, pool filter and motor, sod and irrigation system, vinyl fencing, and a newly constructed seawall (75LF) with electrical pre-run for a future dock.
Ideally located just minutes from the beaches while maintaining the privacy and tranquility of a residential neighborhood, this home offers close proximity to Indian Rocks Beach for sunset bike rides, as well as easy access to the dining, shopping, and amenities of Clearwater Beach, John’s Pass, St. Petersburg, and Tampa. Zoned for A-rated Anona Elementary, this property is perfect as a primary residence or second home for those seeking the ultimate waterfront lifestyle.
Features
- Rooms: 3
- Bedrooms: 4
- Baths: 3 full
- Laundry: In Garage
- Year Built: 1962
- Garage: 2-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,808
- Acreage: 0.27
- Est. Taxes: $14,703
- HOA Fee: $100 Annually
- Elem. School: Anona Elementary-PN
- Middle School: Seminole Middle-PN
- High School: Largo High-PN
- Pool: In Ground, Screen Enclosure
- Pet Policy: Yes
- Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
- MLS#: TB8465377
- Days on Market: 42 days
- Website: https://www.raveis.com
/eprop/TB8465377/3838mckaycreekdrive_largo_fl?source=qrflyer
Listing courtesy of MAVREALTY Phone: 727-314-3942
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
3838 MCKAY CREEK DRIVE, Largo, FL, 33770
$1,095,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $876,000 | $876,000 | $876,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.250% | 5.750% | 5.500% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.046% | 5.846% | 5.700% |
| Monthly Tax Payment | $1,225 | $1,225 | $1,225 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $4,837 | $5,112 | $7,158 |
| Total Monthly Payment | $6,187 | $6,462 | $8,508 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388