125 HARBOR BLUFF DRIVE, Largo, FL, 33770 | $789,900

Welcome to 125 Harbor Bluffs Drive in Largo, a spacious 4-bedroom, 3-bath split-level home where flexibility, functionality, and an inviting layout come together in the well-established Harbor Bluffs community. Offering multiple living areas and a versatile floor plan, this property presents an appealing opportunity for a variety of living arrangements while providing the foundation to personalize and enhance over time.
The main living area features an open layout connecting the living room, dining space, and kitchen, creating a natural flow for everyday living and gatherings. A fireplace serves as a focal point, adding warmth and character to the space. The kitchen has been updated with stone countertops and stainless steel appliances, and both bathrooms on the main level also feature stone surfaces, providing a cohesive and refreshed feel throughout the home. The main level includes a primary bedroom with an ensuite bath, along with two additional bedrooms and a guest bathroom. French doors from the main living area lead out to a generous patio and pool area, offering ample space for outdoor dining, relaxing, and entertaining. The fenced yard and expansive deck create additional opportunities for outdoor enjoyment, including space for a future grill station or outdoor kitchen setup.
The lower level offers a large bonus room along with an additional flex space, ideal for a media room, game room, playroom, home office, hobby or craft area, fitness space, or extended living area. The upper level features a private guest suite complete with a living area, bedroom, and full bath, along with its own exterior entrance, offering flexibility for extended guest accommodations or a private retreat.

Additional features include a circular driveway providing convenient access and additional parking. The Harbor Bluffs neighborhood is known for its established setting and proximity to a variety of local amenities. The property is located approximately 3 miles to Indian Rocks Beach and Belleair Beach, approximately 5 miles to Downtown Clearwater, approximately 20 miles to Downtown St. Petersburg, and approximately 18 miles to Tampa International Airport. Nearby parks, marinas, golf courses, and the Belleair Causeway provide access to outdoor recreation, while shopping, dining, and everyday conveniences are available within a few miles along West Bay Drive and surrounding areas.

All information is believed to be accurate but is not guaranteed. Buyers and agents to verify all facts and information pertinent to their purchase decision.

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 100 x 125
  • Laundry: Inside
  • Year Built: 1954
  • Garage: Circular Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,567
  • Acreage: 0.29
  • Lot Size: 100 x 125
  • Est. Taxes: $9,147
  • HOA Fee: $420 Annually
  • Elem. School: Mildred Helms Elementary-PN
  • Middle School: Largo Middle-PN
  • High School: Largo High-PN
  • Pool: Other
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: TB8496539
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8496539/125harborbluffdrive_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 4/15/2026 7:47:07 AM)

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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125 HARBOR BLUFF DRIVE, Largo, FL, 33770

$789,900

Beth J. Brown

Luxury Properties Specialist

William Raveis Real Estate

Phone: 239.250.2408

Beth@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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $631,920 $631,920 $631,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.648%
Monthly Tax Payment $762 $762 $762
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,738 $3,891 $5,121
Total Monthly Payment $4,592 $4,745 $5,975

* 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.