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$589,000

3538 SHADY BLUFF DRIVE, LARGO, FL 33770

3D Tour
Active10 days on market

Beds

3

Baths

2

Sq Ft

1,563 sq ft

Year Built

1964

Lot Size

0.17 acres

Garage

2

About This Property

The Perfect Trifecta: Pool Home • Non-Flood Zone • Short-Term Rental Potential — Discover the perfect combination of lifestyle, location, and investment opportunity in this beautifully renovated 3-bedroom, 2-bath pool home offering 1,563 square feet of thoughtfully designed living space in Largo's desirable Harbor Hills neighborhood. Whether you're searching for a primary residence, vacation getaway, or income-producing investment, this home checks every box. Located in Flood Zone X (no flood insurance required) and offering the potential for short-term rentals, it presents an increasingly rare opportunity in today's market. Inside, the desirable split-bedroom floor plan offers privacy for the spacious primary suite, while two guest bedrooms are situated on the opposite side of the home and share a generously sized hallway bath. Three hallway closets provide an abundance of storage rarely found in homes of this size. The completely renovated interior is truly move-in ready, showcasing timeless finishes and a fresh coastal aesthetic throughout. The beautifully appointed kitchen features crisp white cabinetry accented by soothing blue tones, custom quartz countertops, a striking blue tile backsplash, abundant cabinetry, and a full pantry wall surrounding the refrigerator for exceptional storage and functionality. Oversized Scandinavian-inspired luxury vinyl plank flooring flows seamlessly throughout the home, adding warmth, durability, and contemporary style. The open-concept living and dining areas transition effortlessly into the rear family room, where sliding glass doors lead to your own private backyard retreat. Designed for easy Florida living, the outdoor space features a sparkling pool surrounded by low-maintenance turf, an expansive deck for lounging and entertaining, and a dedicated fire pit gathering area — perfect for relaxing evenings under the stars or hosting family and friends. Additional highlights include an attached two-car garage, 2018 roof, 2025 HVAC system, and fully paid-off solar panels, providing energy efficiency and helping keep utility costs low for years to come. Ideally located in the sought-after Harbor Hills neighborhood, you'll enjoy quick access to award-winning Gulf beaches, beautiful parks, shopping, dining, and everyday conveniences. Tampa International Airport is less than 30 minutes away, while St. Pete–Clearwater International Airport is approximately 20 minutes from your doorstep. Beautifully updated, ideally located, and packed with sought-after features — including a pool, no flood insurance requirement, and short-term rental potential — this home truly is the perfect trifecta.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8523229
StatusActive
Year Built1964
Stories1
Total Rooms7
ConstructionBlock
RoofShingle
FoundationSlab
FacesNorth
SubdivisionHARBOR HILLS
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Stone Counters, Thermostat, Walk-In Closet(s)
FlooringLuxury Vinyl, Tile
AppliancesDishwasher, Microwave, Range, Refrigerator
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorLighting, Private Mailbox
FencingFenced, Vinyl
Lot Size0.17 acres (7,488 sq ft)
Lot Dimensions75 x 100
Lot FeaturesUnincorporated
Road SurfacePaved, Asphalt

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$100 / Annually
Senior CommunityNo

Financial Details

List Price$589,000
Annual Taxes$1,937 (2025)
FinancingCash, Conventional, VA Loan
ZoningR-3
Parcel #053015359820050120

Schools

ElementaryAnona Elementary-PN
MiddleSeminole Middle-PN
HighLargo High-PN

Directions

Head West on Ulmerton Road. Turn right onto Wilcox Road. Turn right onto Pine Street. Turn left onto Dryer Avenue. Turn right onto Indian Rocks Road. Turn left onto Shady Bluff Drive. Property will be on the lefthand side.

Location

3538 SHADY BLUFF DRIVE, LARGO, FL 33770

Listing Information

OfficeCOMPASS FLORIDA LLC
ListedJuly 2, 2026

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Home Price

$589,000

20% ($117,800)
6.75%

Loan Term

Principal & Interest$3,056
Property Tax (est.)$540
Insurance (est.)$150
Total Monthly$3,746
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $589,000 home in LARGO.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$29,450 Down

Traditional financing. As low as 3-5% down with good credit.

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.

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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: October 4, 2026.

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