4415 CLEARWATER HARBOR DRIVE N, Largo, FL, 33770 | $819,000

One or more photo(s) has been virtually staged. BOATERS BLISS. . . calling all boating, fishing, kayak, paddleboarding and jet-ski lovers! This canal-front residence, offered for the first time by the original contractor’s family, is on a large. 32-acre corner lot, offering direct access to the Intracoastal. The newly replaced wood dock with davit extends 20 feet into the canal, providing several feet of water at low tide. It’s a short ride south to Largo Intracoastal Marina to fuel your boat, and a quick trip back north to the Clearwater Pass Bridge (72-foot clearance) and out into the Gulf. Join up with other boaters on Three Rookers Island and spend the day!
This well-built home, slightly elevated above garage level, features a traditional Florida ranch-style home with a thoughtfully designed floor plan that provides separation and functionality. Office/4th bedroom is on one wing next to owner’s suite. Two bedrooms and bath provide privacy for guests/family on the other wing. Sliders open from the rear family room with a view through the covered lanai to the canal and dock. There have been some recent improvements. LVP flooring in living areas and bedrooms, and fresh interior paint. Both baths feature new tile floors, commodes, and shower tile. The kitchen was updated with new stainless steel GE appliances, quartz countertops and tile backsplash. The remainder of the home is waiting for your personal stamp.
This property is in an AE flood zone, and lender may require flood insurance. Home sustained minimal damage from Hurricane Helene. Additional features include an oversized two-car garage, a low annual homeowners association fee and a golf cart-friendly neighborhood. An amazing opportunity for a primary home, vacation getaway or investment property, this residence is priced for value and future potential. Minutes from dining, shopping, Belleair Causeway Boat Ramp and sparkling beaches. Less than 30 minutes from Tampa Int'l Airport and 20 minutes from Clearwater/St Pete (PIE) Airport! Don't miss this opportunity to own a waterfront home in a desired community!

Features

  • Amenities: Fence Restrictions
  • Rooms: 11
  • Bedrooms: 4
  • Baths: 2 full
  • Lot Size: 81 x 137
  • Laundry: Electric Dryer Hookup, In Garage
  • Style: Florida, Ranch
  • Year Built: 1973
  • Garage: 2-car Circular Driveway, Garage Door Opener, Oversized
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,232
  • Acreage: 0.32
  • Lot Size: 81 x 137
  • Est. Taxes: $12,090
  • HOA Fee: $100 Annually
  • Lot Desc: Corner Lot, Flood Insurance Required, FloodZone, In County, Level, Unincorporated
  • View: Water
  • Water Front: Yes
  • Elem. School: Anona Elementary-PN
  • Middle School: Seminole Middle-PN
  • High School: Largo High-PN
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8481601
  • Days on Market: 83 days
  • Website: https://www.raveis.com
    /prop/TB8481601/4415clearwaterharbordriven_largo_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/24/2026 7:06:51 PM)
Listing courtesy of PREMIER SOTHEBY'S INTL REALTY   Phone: 727-595-1604

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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4415 CLEARWATER HARBOR DRIVE N, Largo, FL, 33770

$819,000

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 $655,200 $655,200 $655,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.385% 6.223%
Monthly Tax Payment $1,008 $1,008 $1,008
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,928 $4,034 $5,529
Total Monthly Payment $5,028 $5,134 $6,629

* 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.