Harbor Bluffs
Homes for Sale in Largo, FL
All 534 homes for sale in Largo, FL · median $299,000 · 92 homes for sale in 33770 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, harbor bluffs sec 5 in Largo, FL has 8 homes for sale and 4 pending, asking from $719,900 to $2,295,000 (median $1,107,000). Over the 12 months ending 2026-09-20, 30 recorded sales closed at a median of $845,000, $403 per square foot, a median 21 days on market, sellers accepting 95% of original asking (+1% versus the prior year). Homes listed or recently sold were built 1954 - 2001; 24 of 24 report an HOA (median $35/mo); 10 of the 24 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $16,380 ($15,570 with the full homestead exemption).
Last 30 days in Harbor Bluffs: 4 under contract right now, 4 closed sales (median $610,500). As of October 24, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
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 October 24, 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).
In ZIP 33770 (Largo), 381 homes closed in the last 12 months at a median of $344K ($249/sq ft), down 5.1% year over year, with a median 64 days on market. Right now 61 active and 18 pending listings put supply at about 3.2 months - a buyer's market. See the live ZIP 33770 housing market and the Pinellas County market.
County records show 28 qualified sales in harbor bluffs across 2024 - 2025 (13 in 2024, 15 in 2025), median $949,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Harbor Bluffs: of 21 listing addresses checked against the FEMA National Flood Hazard Layer, 52% sit outside the FEMA Special Flood Hazard Area (Zone X); 48% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Largo.
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.
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
33% of homes for sale in Harbor Bluffs 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 (2026-10-25).
Harbor Bluffs Market Scorecard
Harbor Bluffs is currently a seller's market. About 2.6 months of supply, a median asking price of $1,107,000, and homes go under contract in about 78 days.
Typical home value in the 33770 ZIP is $374,039, about 30.2% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
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.
Shop the zone: Homes zoned for Largo High-Pn High School
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 all homes for sale in Largo →
Recently off market in harbor bluffs sec 5
Homes in harbor bluffs sec 5 that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 9 on record.
- 108 Indian Rocks Road · off market
- 121 Harbor View Lane · off market
- 201 Harbor Bluff Drive · off market
- 209 Live Oak Lane · off market
- 212 Poinciana Lane · off market
- 226 Poinciana Lane · off market
- 307 Orangewood Lane · off market
- 802 Allamanda Drive · off market
| Location | Largo, Pinellas County, FL · ZIP 33770 |
|---|---|
| Homes in the community | 426 (FL DOR 2025 assessment roll) |
| Years built | 1953–2024 (median 1963) |
| Typical living area | 2,668 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Park, Deed Restrictions, Golf Carts OK, Security Lights, Security System, Special Community Restrictions |
| Sale prices, last 12 months | $845,000 median across 30 closed sales · $403 per sq ft · +0.7% vs the prior 12 months |
| Days on market (closed sales) | 21 median |
| For sale right now | 9 active, 7 pending · median asking $1,427,000 · 2.9 months of supply |
| Owner-occupied (homestead) share | 80% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2004 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Bluffs key facts,” movewithmomentum.com/neighborhoods/harbor-bluffs, data as of September 20, 2026.
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.
Just listed in Harbor Bluffs
The newest homes for sale in Harbor Bluffs right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 809 Jacaranda Drive $719,900 · 3 bd · 2 ba · 1,788 sq ft · listed Sep 19, 2026 Courtesy of CHARLES RUTENBERG REALTY INC
- 202 Driftwood Lane $1,820,000 · 3 bd · 3 ba · 2,235 sq ft · listed Aug 19, 2026 Courtesy of REALTY HUB
- 821 Jacaranda Drive $817,000 · 4 bd · 3 ba · 1,767 sq ft · listed Aug 19, 2026 Courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL
- 118 Live Oak Lane $799,000 · 4 bd · 2.5 ba · 1,864 sq ft · listed Aug 18, 2026 Courtesy of ENGEL & VOLKERS BELLEAIR
- 306 Buttonwood Lane $2,295,000 · 3 bd · 3 ba · 2,001 sq ft · listed Jul 22, 2026 Courtesy of FLAT FEE MLS REALTY
- 407 Harbor View Lane $1,397,000 · 4 bd · 2 ba · 2,113 sq ft · listed Jul 15, 2026 Courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Harbor Bluffs Right Now (11)
All 11 active and pending Harbor Bluffs listings with a detail page, newest first, refreshed twice a day from the MLS.
- 809 Jacaranda Drive · $719,900 · 3 bd / 2 ba · listed Sep 19, 2026 · listed by Charles Rutenberg Realty Inc
- 204 Poinciana Lane · $2,095,000 · 5 bd / 3 ba · pending · listed Sep 11, 2026 · listed by Keller Williams Realty Portfolio Collection
- 201 Driftwood Lane · $1,449,000 · 5 bd / 3 ba · pending · listed Sep 11, 2026 · listed by Coastal Properties Group International
- 202 Driftwood Lane · $1,820,000 · 3 bd / 3 ba · listed Sep 10, 2026 · listed by Realty Hub
- 118 Live Oak Lane · $799,000 · 4 bd / 2.5 ba · listed Sep 6, 2026 · listed by Engel & Volkers Belleair
- 821 Jacaranda Drive · $817,000 · 4 bd / 3 ba · listed Aug 23, 2026 · listed by Coastal Properties Group International
- 407 Harbor View Lane · $1,397,000 · 4 bd / 2 ba · listed Aug 21, 2026 · listed by Coastal Properties Group International
- 220 Harbor View Lane · $2,995,995 · 5 bd / 5.5 ba · pending · listed by Coldwell Banker Realty
- 306 Buttonwood Lane · $2,295,000 · 3 bd / 3 ba · listed by Flat Fee Mls Realty
- 125 Harbor Bluff Drive · $743,900 · 4 bd / 3 ba · listed by Results Real Estate Inc
- 109 Driftwood Lane · $2,248,000 · 4 bd / 5 ba · pending · listed by Coldwell Banker Realty
Recently sold in Harbor Bluffs
- 108 Indian Rocks Road · sold $525,000
- 121 Harbor View Lane · sold $1,070,000
- 810 Allamanda Drive · sold $575,000
- 307 Orangewood Lane · sold $646,000
- 802 Allamanda Drive · sold $750,000
- 212 Poinciana Lane · sold $1,325,000
- 201 Harbor Bluff Drive · sold $775,000
- 226 Poinciana Lane · sold $4,300,000
- 209 Live Oak Lane · sold $875,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More Largo home searches
- All homes for sale in Largo, FL
- Homes for sale in Pinellas County, FL
- Largo pool homes for sale
- Largo waterfront homes for sale
- Gated communities in Largo
- Largo golf course homes
- Homes under $300K in Largo
- Homes from $300K to $500K in Largo
- 4-bedroom homes for sale in Largo
- Largo home values: what is my house worth?
Largo guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Pinellas County)
- Homestead exemption (Pinellas County)
- Home insurance cost
- New construction (Pinellas County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in Largo? Join Momentum in Largo: 100% commission, one $12K cap.
What it really costs to own in Harbor Bluffs
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $420/year (about $35/month) across 21 MLS listings (most billed annually; 2026-10-24). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 21 listing addresses checked against the FEMA flood map, 52% sit outside the high-risk zone and 48% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 1962 across 22 listings. An original roof here would be about 64 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Harbor Bluffs
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Harbor Bluffs
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harbor Bluffs will answer, and the answer is published on this page for the next buyer.
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?
Where is Harbor Bluffs, and what county is it in?
Is Harbor Bluffs in a flood zone?
Is Harbor Bluffs a good place to live?
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.
Own a home here?
You just read the data. Now see what your home is worth.
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.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how harbor bluffs sec 5 fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Harbor Bluffs
- Home values · What homes in Harbor Bluffs actually sell for
Nearby Communities
Explore more neighborhoods near Harbor Bluffs with Momentum Realty’s local guides.