Front elevation204 POINCIANA LANE, LARGO, FL 33770
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 9, 2026, 204 Poinciana Lane in Harbor Bluffs Sec 5, Largo is listed at $2,095,000 (3,257 sq ft, about $643 per sq ft). That is 147% above Harbor Bluffs Sec 5's median closed sale of $847,500 over the last 12 months (32 recorded sales). Per square foot it is above the community's recent $396/sq ft by about 62%. It came to market within the past week. Listing facts: built in 1968, a private pool, waterfront, HOA dues of $35/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1968 · 58 yrs
- 3,257 sq ft of living area
- 2-car garage
- Listed at $2,095,000 — recent neighborhood median sale price ~$847,500 (nearby sales; deemed reliable, not an appraisal)
- Active listing
- HOA $35/mo (per listing)
Pricing & the HARBOR BLUFFS SEC 1 market
How this home is priced against recent nearby sales, and where HARBOR BLUFFS SEC 1 has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in HARBOR BLUFFS SEC 1
Each dot is a closed sale since 2004 (290 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $643/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 66 (hot).
This home’s history
- 1968BuiltPer public record
- Sep 7, 2026First trackedObserved at $2,095,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $10,826/mo 78%
- Taxes $1,833/mo 13%
- Insurance $1,136/mo 8%
- HOA $35/mo 0%
$13,831/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
41/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $643 per square foot, about 62% above the community’s $396 median. HARBOR BLUFFS SEC 1’s 12-month median sold price per square foot is $396. Median sold price per square foot is down 0.3% year over year. Confidence: Very High · 32 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
75% of homes in HARBOR BLUFFS SEC 1 are owner-occupied. An estimated 25% are non-owner-occupied, including 9% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 1046 homes matched. Community-level context.
Recent HARBOR BLUFFS SEC 1 sales closed near 95.4% of original asking. Cash paid for about 46% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 12 active listings in HARBOR BLUFFS SEC 1, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Under contract-accepting backup offers. Welcome to waterfront living in the quiet avenues and impeccably manicured estates of Harbor Bluffs. This beautifully kept 5 br/3ba residence spans over 3,200sf of meticulously maintained living space on a west-facing canal, offering water views from virtually every vantage point.
Inside, soaring ceilings and an extra-wide staircase make a statement upon entry. The generous, light filled, flexible open floor plan features multiple split-bedroom configurations, effortlessly adapting to your lifestyle. Designed for entertaining and multigenerational living, it provides abundant room for family and guests.
A versatile fifth bedroom stands ready to transform into an office, fitness studio, or nursery. The patio terrace is complete with retractable awnings and a conversation pool to relax and watch dolphins play. A private dock with a 12,000-lb lift is your invitation to the Gulf, mere minutes away.
Or, enjoy the Harbor Bluffs Park, just one block away, for neighborhood gatherings. Upstairs, the 2nd-story co-primary suite terrace is your vantage point for morning espresso, twilight cocktails, and front-row seats to Florida's legendary western sunsets. Freshly painted and thoughtfully curated, the home has been meticulously kept and maintened.
Improvements include a new roof (2020), HVAC's (2023), and smart kitchen appliances (2022) featuring an oven with air-fryer technology, and craft-ice freezer. Premium impact-rated windows, an integrated whole-home central vacuum system, and custom architectural pavers (2021). The true brilliance of this property lies in its sheer versatility: as a multigenerational home, or secondary waterfront retreat.
Positioned securely on the mainland in Harbor Bluffs, you enjoy the absolute best of both worlds - a quintessential waterfront lifestyle entirely detached from beach traffic and bridge delays. Located just blocks from Belleair's premier restaurants, boutiques, country clubs, and championship golf courses. Publix & Walgreens are a minute golf cart drive, while top-tier regional hospitals, international airports, and the white sands of Belleair and Clearwater beaches remain effortlessly within reach.
Come for the sunsets, stay for the boating, and immerse yourself in the luxury lifestyle of Harbor Bluffs.
Description provided by KELLER WILLIAMS REALTY PORTFOLIO COLLECTION and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $2,095,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1968 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $35/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- 10 active listings competing, 6 under contract
- ≈3.7 months of supply
- 37 closed here in the last 12 months
For reference, this home is listed at $2,095,000 ($643/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,257 sq ft × $348–$444/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Similar homes for sale near HARBOR BLUFFS SEC 5
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by KELLER WILLIAMS REALTY PORTFOLIO COLLECTION · MLS # TB8541809
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Recent sales activity in HARBOR BLUFFS SEC 5
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HARBOR BLUFFS SEC 5 neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HARBOR BLUFFS SEC 5
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $396/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 204 Poinciana Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1968 (58 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $35/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 3,257 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $21,998/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 9, 2026) |
| Community market stats | Stellar MLS closed sales, as of August 2, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 204 Poinciana Lane and when was it built?
Per the listing record, 204 Poinciana Lane was built in 1968 and has 3,257 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 204 Poinciana Lane in?
204 Poinciana Lane is in Harbor Bluffs Sec 5 in Largo, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Harbor Bluffs Sec 5 from the same MLS data.
Does 204 Poinciana Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $35 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 204 Poinciana Lane differ from the current owner's?
The estimate on this page (about $21,998 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 204 Poinciana Lane in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.