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$2,450,000

12816 HARBORWOOD DRIVE, LARGO, FL 33774

3D Tour
Active2 days on market

Beds

4

Baths

5

Sq Ft

4,234 sq ft

Year Built

1987

Lot Size

1.31 acres

Garage

2

About This Property

Experience an exceptional waterfront lifestyle in this magnificent custom estate, ideally situated on the Intracoastal Waterway between Indian Rocks Beach and Belleair Beach. Nestled on an extraordinary 1.3-acre homesite in the exclusive Kensington Oaks community, this private residence offers breathtaking panoramic water views, lush manicured grounds, and quick access to the Gulf of America. Spanning more than 4,200 square feet, this impressive home offers 4 bedrooms, a bonus room w wet bar, loft, 4.5 baths with convenient pool bath, and a spacious 2-car garage. The thoughtfully designed floor plan is ideal for both everyday living and entertaining, featuring a luxurious first-floor primary suite with an expansive sitting area and spa-inspired bath, and an in law suite w private bath, while the upper level includes two more bedrooms, a full bath, and a versatile loft with balcony. Spectacular water views throughout the home, soaring ceilings, rich wood flooring, and fireplaces in both the living and family rooms create warmth and timeless elegance. The formal dining room is perfect for hosting memorable gatherings. Outdoor living is equally impressive. A nearly 60-foot covered and screened lanai overlooks the sparkling 15’ x 30’ pool, designed with open-air enjoyment instead of a traditional pool cage, allowing uninterrupted sunshine and refreshing coastal breezes. The second-floor balcony provides an elevated vantage point for breathtaking sunrises, colorful sunsets, and endless views of the Intracoastal. Kensington Oaks is one of the area’s desirable waterfront communities, known for its beautifully maintained homes, mature landscaping, and peaceful setting. Enjoy a short stroll to Bonner Nature Park and easy access to some of Florida’s finest beaches, including Indian Rocks Beach, Belleair Beach, and Clearwater Beach. Fine dining, golf, shopping, and two international airports are all within convenient reach. This is more than a home—it’s a rare opportunity to own a private waterfront estate offering space, elegance, and the quintessential Florida coastal lifestyle.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8533580
StatusActive
Year Built1987
Stories2
Total Rooms15
ConstructionBlock, Brick
RoofShingle
FoundationSlab
FacesSoutheast
SubdivisionKENSINGTON OAKS
CountyPinellas
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorCathedral Ceiling(s), Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Primary Bedroom Main Floor, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s), Window Treatments
FlooringCarpet, Tile, Travertine, Hardwood
AppliancesBar Fridge, Dishwasher, Disposal, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer, Wine Refrigerator
LaundryInside, Laundry Room
WindowsBlinds, Drapes
CoolingCentral Air
HeatingCentral, Electric
FireplaceYes ()
SecurityClosed Circuit Camera(s), Security System, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Outdoor Grill, Private Yard, Sidewalk
FencingChain Link
Lot Size1.31 acres (56,985 sq ft)
Lot FeaturesCleared, Conservation Area, Flood Insurance Required, FloodZone, Landscaped, Oversized Lot, Sidewalk, Sloped
Road SurfacePaved, Asphalt
ViewTrees/Woods, Water

Pool & Spa

Private PoolYes
Pool FeaturesAuto Cleaner, Gunite, In Ground, Lighting, Outside Bath Access, Pool Sweep

Waterfront

WaterfrontYes
FeaturesIntracoastal Waterway

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$850 / Annually
Senior CommunityNo

Financial Details

List Price$2,450,000
Annual Taxes$29,841 (2025)
FinancingCash, Conventional
ZoningRES
Parcel #073015462800000010

Directions

INDIAN ROCKS RD S TO W ON KENSINGTON OAKS PL TO N ON HARBORWOOD DR

Location

12816 HARBORWOOD DRIVE, LARGO, FL 33774

Listing Information

OfficeHOMES BY SANDERS REALTY
ListedJuly 30, 2026

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Home Price

$2,450,000

20% ($490,000)
6.75%

Loan Term

Principal & Interest$12,713
Property Tax (est.)$2,246
Insurance (est.)$150
Total Monthly$15,108
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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: August 1, 2026.

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