569 days on market (MLS) Single Family Residence ▼ Price cut: $30,000 (9/16)
$695,000
2-Bedroom Pool Home in HARBOR HILLS 3RD ADD

4523 Clearwater Harbor Drive, Largo, FL 33770

Single Family Residence in HARBOR HILLS 3RD ADD, LARGO · No CDD on record
HARBOR HILLS 3RD ADD · Largo, FL 33770 · Pinellas County
Listing data updated October 3, 2026 · refreshed hourly
2Bedrooms
2Bathrooms
1,655Sq Ft
1964Year Built
$420Per Sq Ft
Private pool2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
50% above
$/sq ft vs community
$420 here vs $280 median sold (12 mo)
Buyer leverage
Strong buyer advantage
569 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 10 of 12
Price vs recent sales
Asking $695k tops 10 of the last 12 closed sales

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 3, 2026, 4523 Clearwater Harbor Drive in Harbor Hills 3Rd Add, Largo is listed at $695,000 (1,655 sq ft, about $420 per sq ft). That sits within a few percent of Harbor Hills 3Rd Add's median closed sale of $620,000 over the last 12 months (5 recorded sales). Per square foot it is above the community's recent $280/sq ft by about 50%. It has been 569 days on market, longer than the community's typical 72 days to contract. Listing facts: built in 1964, a private pool, HOA dues of $6/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1964 · 62 yrs
  • 1,655 sq ft of living area
  • 2-car garage
  • Listed at $695,000 — recent neighborhood median sale price ~$620,000 (nearby sales; deemed reliable, not an appraisal)
  • 569 days on market
  • HOA $6/mo (per listing)
Listing description

About this home

NEW PRICE — NOW $695,000! Featuring 1,655 sq. ft.

of beautifully renovated living space, a private heated saltwater pool, extensive system upgrades—and this home DID NOT flood during Hurricane Helene. Welcome to Harbor Hills, where exceptional craftsmanship, extensive upgrades and a private resort-style pool come together in a truly move-in-ready home. Meticulously renovated by Tampa Bay's Mitchell & Son Quality Construction, this is not simply a cosmetic remodel—the improvements extend throughout the property, creating a home designed for comfort, efficiency and easy Florida living.

Inside, beautifully restored terrazzo floors reflect an abundance of natural light and provide timeless Florida character. The remodeled kitchen features rich hardwood cabinetry with soft-close doors and drawers, quartz countertops, Samsung black stainless-steel appliances and an Express Water reverse-osmosis system. Step outside and discover what may become your favorite room of the house.

The private backyard has been transformed into a tropical retreat centered around a completely renovated heated saltwater pool with new pavers, coping, tile, pool finish and LED lighting. A Pentair variable-speed pump and Pure-chlor salt system provide efficient operation, while approximately 250 feet of newer vinyl fencing creates a private setting for relaxing, entertaining and enjoying Florida year-round. Significant improvements continue throughout the home with double-pane hurricane-impact windows, reinforced garage door, R30 attic insulation, Ruud HVAC system, Ultra-Aire whole-home dehumidifier, Bahama shutters, smart locks, new moldings and interior doors, custom closet organizers and low-maintenance xeriscape landscaping.

Even the garage is climate controlled with its own mini-split AC—ideal for a workshop, hobby space or comfortable additional utility area. The beautifully remodeled primary bath features a substantial 3/8-inch glass shower enclosure, designer tile, quartz-topped vanity and modern fixtures. After sunset, professional Volt landscape lighting illuminates the palms, front elevation and oversized driveway for an impressive nighttime presentation.

One particularly important distinction: while Hurricane Helene brought flooding to portions of the surrounding area, the seller reports that this home DID NOT FLOOD. Located in desirable Harbor Hills, close to the Intracoastal, Gulf beaches, shopping, dining and everything the Belleair/Largo area has to offer, this home delivers the Florida lifestyle without the renovation project. NOW OFFERED AT $695,000.

If you've seen this home online before, it's time to take another look. The price has changed—the quality hasn't. Schedule your private showing and see just how much has already been done.

All 6 photos

4523 Clearwater Harbor Drive, Largo FL - photo 6 of 6

Description provided by HASENBECK & ASSOCIATES INC and reproduced from the MLS; not independently verified.

Listing courtesy of HASENBECK & ASSOCIATES INC · Listing agent: Clarence Hasenbeck · 727-623-4912Provided 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.
Property facts & sources

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

List price$695,000
Bed / bath2 / 2
Living area1,655 sq ft
Year built1964
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #TB8346318
Listing status569 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone AE
Ground elevation~6 ft
CountyPinellas
Area listings6 active · 0 under contract
Estimated first-year tax~$7,298/yr
CDD assessmentNone on record
HOA$6/mo

Calculated estimates

Price per sq ft$420
Estimated monthly payment$4,795
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$620,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing

Estimated monthly payment

$4,795/mo
  • Principal & interest $3,804/mo 79%
  • Taxes $608/mo 13%
  • Insurance $377/mo 8%
  • HOA $6/mo 0%

$4,795/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$7,298/yr

Estimate: a typical Pinellas effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$3k–$6k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
$6/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone AE

From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.

Ground elevation
~6 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Pinellas County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Pinellas County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveVery High

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Harbor Hills 3Rd Add

Pricing & the Harbor Hills 3Rd Add market

How this home is priced against recent nearby sales, and where Harbor Hills 3Rd Add 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 per sq ft · this home vs. recent nearby sales1745 HARBOR CIRCLE1745 HARBOR CIRCLE: $284/sq ft$2841745 HARBOR CIRCLE1745 HARBOR CIRCLE: $284/sq ft$2844331 HARBOR HILLS DRIVE4331 HARBOR HILLS DRIVE: $341/sq ft$3414331 HARBOR HILLS DRIVE4331 HARBOR HILLS DRIVE: $341/sq ft$341This homeThis home: $420/sq ft$420Community median $280

Price vs. size in Harbor Hills 3Rd Add

Each dot is a closed sale since 2011 (58 total). This home is the gold marker.

$31k$1.5M$2.9M1,3123,0204,727This home: $695,000, 1,655 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2013–2026. This home lists at $420/sq ft.

$98$249$3992013: $12720132014: $16120142015: $20920152016: $15120162017: $16920172021: $32520212022: $33920222024: $37020242025: $24620252026: $2802026

Median sale price by year

12-month median closed price, 2013–2026.

$157k$484k$811k2013: $220k20132014: $310k20142015: $400k20152016: $319k20162017: $269k20172021: $689k20212022: $748k20222024: $715k20242025: $500k20252026: $620k2026

Market Heat by year (0–100)

Momentum Market Heat, 2014–2026. Now 51 (normal).

1142742014: 6620142015: 3520152016: 1720162017: 4320172022: 6820222025: 5220252026: 512026
Property timeline

This home’s history

  • 1964BuiltPer public record
  • About Mar 2025Listed (per MLS)MLS reports 569 cumulative days on market as of October 3, 2026
  • Jul 10, 2026First seen on movewithmomentum.comObserved at $725,000
  • Sep 16, 2026Price cut$695,000 (-$30,000, -4.1%)
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.

Transparency

Price & listing history

Listed for $695,000Momentum Realty · on market 569 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

4 closed sales in HARBOR HILLS 3RD ADD in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 4 sales: $620,000 ($280/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

The Messtimate™

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.

$407,130the mess$519,670

Stronger local evidence — 4 comparable closed sales in HARBOR HILLS 3RD ADD, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $695,000 — 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 1964 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • 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 $6/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:

  • This home: 569 days on market vs. a 72-day community median
  • 6 active listings competing
  • ≈12.0 months of supply
  • 5 closed here in the last 12 months

For reference, this home is listed at $695,000 ($420/sq ft). The list price is the seller's asking price and is not derived from this range.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,655 sq ft × $246–$314/sq ft (±12% around the median of 4 comparable closed sales in HARBOR HILLS 3RD ADD, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.

Momentum Scores

Momentum Property Score

33/100
Strongest on: Pricing power (67), Market timing (49)
0 limited50100 exceptional

33/100 is limited 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.

Price vs area0
This home $420/sq ft vs the community 12-month median $280/sq ft.
Affordability30
List price $695,000 vs the community median $620,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost15
From FEMA Zone AE and a 1964 build. Obtain a property-specific quote.
Market liquidity26
Community median 72 days on market, ~12.0 months of supply (12-month record).
Pricing power67
Recent sales closed at about 94.7% of original asking (~5.3% below). More room below asking generally favors buyers.
Market timing49
Momentum Market Heat is 51/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 569 days on market for this home, against a 72-day area median.Days on market:this home 569Area median:  72 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2011 through 2026. As of September 20, 2026.

🟡 Asking $420 per square foot, about 50% above the community’s $280 median. Harbor Hills 3Rd Add’s 12-month median sold price per square foot is $280. Median sold price per square foot is up 24.0% year over year. Confidence: Low · 5 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 Hills 3Rd Add are owner-occupied. An estimated 25% are non-owner-occupied, including 9% held in a company or trust and 10% 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), 162 homes matched. Community-level context.

Recent Harbor Hills 3Rd Add sales closed near 94.7% of original asking.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 September 20, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 6 active listings in Harbor Hills 3Rd Add, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by HASENBECK & ASSOCIATES INC · MLS # TB8346318

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Keep looking

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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.

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Recently off market in HARBOR HILLS 3RD ADD

Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings

In the area

Recent Harbor Hills 3rd Add news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Jul 2026 · Infrastructure

St. Pete approves temporary downtown dock for Tampa Bay ferry

The St. Petersburg City Council approved a temporary ferry dock on Bayshore Boulevard near the Vinoy in downtown St. Petersburg under a three-year contract costing about 324,200 dollars. Hubbard's Marina will operate cross bay service between downtown St. Petersburg and the Tampa Convention Center, with two vessels running year round. Service is expected to begin in October or November.

Why it matters: Establishes a temporary downtown dock and cross bay ferry connection, adding a new transit option and waterfront infrastructure serving the downtown St. Petersburg market. The site is about 2 miles southwest of Harbor Hills 3rd Add.

FOX 13 Tampa Bay

Jul 2026 · Development

St. Pete advances housing plan for nine vacant city lots

The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.

Why it matters: Advances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The project is about 3 miles southwest of Harbor Hills 3rd Add, elsewhere in Pinellas County.

St Pete Catalyst

Jul 2026 · Development

Blake-Related team selected to redevelop 86-acre Historic Gas Plant District

St. Petersburg selected a bid led by Blake Investment Partners, with the Related Group as co-developer, to redevelop the 86-acre Historic Gas Plant District at the Tropicana Field site. The roughly 8.1 billion dollar mixed use plan calls for more than 3,600 income-restricted residential units, a 13-acre central park, and office, retail, hotel and civic space over an estimated 20-year buildout. The developers plan to purchase about 58 acres while the city retains roughly one third.

Why it matters: Adds a large mixed use district with thousands of new residential units, a central park, and office, retail, hotel and civic space to the downtown St. Petersburg market. Redevelopment of the Tropicana Field site reshapes the surrounding property landscape and expands housing supply. The project is about 3 miles southwest of Harbor Hills 3rd Add, elsewhere in Pinellas County.

Florida YIMBY

Go deeper

More on HARBOR HILLS 3RD ADD

Go deeper on HARBOR HILLS 3RD ADD

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

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.

GRADEA
Anona Elementary-PNAssigned elementary school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Seminole Middle-PNAssigned middle school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEB
Largo High-PNAssigned high school · Pinellas County School District · Grade B (Florida DOE 2025-26)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 4523 Clearwater Harbor Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1964 (62 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 $6/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
  • 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.
  • Listed living area is 1,655 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 $7,298/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed hourly (last: October 3, 2026)
Comparable salesStellar MLS closed sales in HARBOR HILLS 3RD ADD, last 18 months, as of September 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone AE shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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.

Answered before you ask

Frequently asked questions

How big is 4523 Clearwater Harbor Drive and when was it built?

Per the listing record, 4523 Clearwater Harbor Drive was built in 1964 and has 1,655 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 4523 Clearwater Harbor Drive in?

4523 Clearwater Harbor Drive is in Harbor Hills 3Rd Add in Largo, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 4523 Clearwater Harbor Drive have an HOA, and how much are the dues?

The listing reports HOA dues of $6 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 4523 Clearwater Harbor Drive differ from the current owner's?

The estimate on this page (about $7,298 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 4523 Clearwater Harbor Drive in a flood zone?

The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.

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.

Ready when you are

See 4523 CLEARWATER HARBOR DRIVE in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

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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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

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.