Beds
4
Baths
3
Sq Ft
2,567 sq ft
Year Built
1954
Lot Size
0.29 acres
Garage
—
About This Property
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.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From West Bay Drive, head south on Indian Rocks Road, then turn right on Habor Bluff Drive to property on the right.
Location
125 HARBOR BLUFF DRIVE, LARGO, FL 33770
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $789,900 home in LARGO.
🏛️
FHA Loan
$27,647 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$39,495 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pinellas County SHIP
Varies
Income-qualifying Pinellas residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 5, 2026.