Harbor Bluffs
Homes for Sale in Largo, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
Homes For Sale Right Now in Harbor Bluffs
Live MLS inventory for Harbor Bluffs. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 92 daysTop listing
Active · 64 days
Active · 113 days
Active · 99 days
Active · 64 days
Active · 65 days
Active · 151 days
Active · 33 days
Pending · 90 days
Pending · 185 days
Pending · 0 days
Pending · 28 daysActive and pending Harbor Bluffs listings as of 2026-10-23, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Tap any home to ask about it.
Harbor Bluffs right now
🔴 Seller-leaning market. 2.9 months of supply and 44% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Very High (16 active and pending listings, 30 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($845K) is up 0.7% from the prior 12 months ($839K) and up 210% since 2012. With about 16 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: High (30 and 27 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 20, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Harbor Bluffs market snapshot (as of September 20, 2026): the median sale price is about $845K ($403 per sq ft over the trailing 12 months of closed sales), a median 22 days on market for closed sales, and 2.9 months of supply, a seller-leaning market. The trailing-12-month median is up 1% from the prior 12 months and up 210% since 2012, computed from record-level Stellar MLS closed sales (30 closings in the current window).
Harbor Bluffs is a community of 426 homes in Largo, Pinellas County, built between 1953 and 2024 (median 1963), with a median living area of about 2,668 square feet. 80% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Harbor Bluffs. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Harbor BluffsHarbor BluffsHarbor BluffsHarbor BluffsHarbor BluffsHarbor BluffsHarbor BluffsHarbor BluffsPhotos from Stellar MLS listings in Harbor Bluffs; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($845K) IS the median in the snapshot above, and the move from 2025 ($839K) IS the +0.7% one-year change.
Windows contain 1 to 37 sales each (30 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026. Deemed reliable but not guaranteed.
23% of homes for sale in ZIP 33770 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-20).
Harbor Bluffs Market Scorecard
Harbor Bluffs is currently a seller-leaning market. About 2.9 months of supply, a median asking price of $1,427,000, and homes go under contract in about 92 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in harbor bluffs sec 5, Largo
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Harbor Bluffs on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Harbor Bluffs
- Park · reported on 12 of 18 listings
- Deed Restrictions · reported on 10 of 18 listings
- Security Lights · reported on 3 of 18 listings
- Playground · reported on 2 of 18 listings
- Golf Carts OK · reported on 2 of 18 listings
- Secured Garage/Parking · reported on 1 of 18 listings
- Special Community Restrictions · reported on 1 of 18 listings
- Irrigation-Reclaimed Water · reported on 1 of 18 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Mildred Helms Elementary-PN · Elementary
- Largo Middle-PN · Middle
- Largo High-PN · High
Zoned schools reflect the assignments reported on recent Harbor Bluffs listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Harbor Bluffs address.
The Harbor Bluffs buying strategy.
If we were buying in Harbor Bluffs today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Harbor Bluffs.
A closer look at the Harbor Bluffs market
At a median of $403 per square foot, Harbor Bluffs prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 2.9 months of supply, a seller-leaning market and the trailing-12-month median up 1% year over year. Homes that do trade take a median 22 days on market, useful leverage on any listing that has lingered.
The housing stock is 426 homes built between 1953 and 2024, and 80% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Harbor Bluffs. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harbor Bluffs buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 5 factors (7.6). Basis: Long-Term Appreciation +210% since 2012; Recent Direction +0.7% year-over-year; Liquidity & Demand 2.9 months of supply; Owner Commitment 80% owner-occupied; Pricing Power 95.4% sale-to-list. Refreshed with each data update.
Tools for a Harbor Bluffs buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Harbor Bluffs sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Bluffs, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Bluffs home worth?
Get a no-obligation home value based on real comparable sales in Harbor Bluffs, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Harbor Bluffs on the map →
Frequently Asked Questions
What is the median home price in Harbor Bluffs?
How long do homes in Harbor Bluffs take to sell?
Is Harbor Bluffs a buyer's or seller's market right now?
How many homes are in Harbor Bluffs?
What share of Harbor Bluffs is owner-occupied?
When were the homes in Harbor Bluffs built?
Have Harbor Bluffs home prices gone up?
Who is the best real estate agent for Harbor Bluffs?
How do I find a top Largo real estate agent who knows Harbor Bluffs?
Can Momentum Realty connect me with an agent for Harbor Bluffs?
Nearby Communities
Explore more neighborhoods near Harbor Bluffs with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 23, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (10 streets, ZIP 33770)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2004 (296 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how harbor bluffs sec 5 fits the bigger picture — live prices, inventory, and Momentum Scores: