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$799,000

118 LIVE OAK LANE, LARGO, FL 33770

3D Tour
Active32 days on market

Beds

4

Baths

3

Sq Ft

1,864 sq ft

Year Built

1956

Lot Size

0.29 acres

Garage

2

About This Property

Welcome to this beautifully appointed 4-bedroom, 2.5-bath pool home situated on an oversized lot in the highly desirable Harbor Bluffs community. This golf-cart-friendly neighborhood offers an exceptional location with convenient access to fine dining, shopping, grocery stores, boat ramps, and some of America’s best beaches. A circular driveway provides ample parking, while the expansive side yards offer plenty of room for boat or RV parking. As you approach the home, a gated courtyard welcomes you to the front door entry. Inside, custom coffered ceilings add character and elegance throughout the home. The spacious kitchen features an island and pantry and flows seamlessly into the dining and living areas, creating an ideal layout for everyday living and entertaining. Large windows and French doors overlook the impressive backyard, where a solar-heated saltwater pool and expansive pavered patio create a private outdoor retreat. The split-bedroom floor plan offers privacy and functionality. Two guest bedrooms are conveniently located just off the main living area, while a fourth room currently serves as a playroom and could easily accommodate a variety of uses to suit your needs. The spacious primary suite is a true retreat, featuring a large walk-in closet and an en-suite bath with dual vanities. A separate gated patio just off the primary suite provides the perfect spot for enjoying your morning coffee. A 2nd set of French doors provide direct access to the pool area, seamlessly connecting indoor and outdoor living. For added convenience, the guest bathroom features a tub and the half bath is located within the laundry room. Additional upgrades include updated electrical, a newer roof, new water heater, new well pump for irrigation, hurricane-rated garage door, and vinyl fencing. Set on a prime, elevated homesite outside the flood zone, this Harbor Bluffs property combines space, privacy, thoughtful upgrades, and an unbeatable location near the beach. Come experience the Florida lifestyle this exceptional home has to offer!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8539966
StatusActive
Year Built1956
Stories1
Total Rooms3
ConstructionBlock
RoofShingle
FoundationSlab
FacesEast
SubdivisionHARBOR BLUFFS SEC 1
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Coffered Ceiling(s), Crown Molding, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
FlooringTile, Hardwood
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Freezer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorCourtyard, Dog Run, French Doors, Lighting, Rain Gutters
FencingFenced, Vinyl
Lot Size0.29 acres (12,497 sq ft)
Lot FeaturesOversized Lot, Unincorporated
Road SurfacePaved, Asphalt

Pool & Spa

Private PoolYes
Pool FeaturesChild Safety Fence, Gunite, Heated, In Ground, Lighting, Salt Water

Utilities

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

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$420 / Annually
Senior CommunityNo

Financial Details

List Price$799,000
Annual Taxes$3,676 (2025)
FinancingCash, Conventional
ZoningR-3
Parcel #322915356400060100

Directions

From Indian Rocks Rd head West on Palm Dr. Right on Live oak, property on left

Location

118 LIVE OAK LANE, LARGO, FL 33770

Listing Information

OfficeENGEL & VOLKERS BELLEAIR
ListedAugust 18, 2026

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Preferred Time

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Home Price

$799,000

20% ($159,800)
6.75%

Loan Term

Principal & Interest$4,146
Property Tax (est.)$732
Insurance (est.)$150
Total Monthly$5,028
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How to Buy This Home

Multiple financing options available for this $799,000 home in LARGO.

🏦

Conventional

$39,950 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: September 19, 2026.

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