Harbor Bluffs
Homes for Sale in Largo, FL
All 566 homes for sale in Largo, FL · median $299,000 · 93 homes for sale in 33770 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, harbor bluffs sec 5 in Largo, FL has 9 homes for sale and 3 pending, asking from $719,900 to $2,295,000 (median $1,499,000). Over the 12 months ending 2026-11-13, 14 recorded sales closed at a median of $835,000, $383 per square foot, a median 25 days on market, sellers accepting 96% of original asking. Homes listed or recently sold were built 1954 - 2001; 23 of 24 report an HOA (median $35/mo); 9 of the 22 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 $16,190 ($15,380 with the full homestead exemption).
Last 30 days in Harbor Bluffs: 2 new listings (median asking $1,849,000), 3 under contract right now, 6 closed sales (median $1,510,000). As of November 12, 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 · 113 daysTop listing
Active · 0 days
Active · 85 days
Active · 134 days
Active · 1 days
Active · 120 days
Active · 85 days
Active · 86 days
Active · 172 days
Under Contract · 90 days
Under Contract · 28 days
Under Contract · 5 daysActive and pending Harbor Bluffs listings as of 2026-11-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Tap any home to ask about it.
Harbor Bluffs right now
🔴 Seller-leaning market. 2.7 months of supply and 25% 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 November 13, 2026. Confidence: High (12 active and pending listings, 14 closed sales in 12 months).
What's unique here: the median sale price is about 2x the typical Pinellas County sale ($835K vs $395K, trailing 12 months, Stellar MLS records).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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 November 13, 2026): the median sale price is about $835K ($383 per sq ft over the trailing 12 months of closed sales), a median 25 days on market for closed sales, and 2.7 months of supply, a seller-leaning market.
In ZIP 33770 (Largo), 124 homes closed in the last 12 months at a median of $298K ($229/sq ft), up 0.2% year over year, with a median 50 days on market. Right now 37 active and 11 pending listings put supply at about 3.6 months - a balanced market. See the live ZIP 33770 housing market and the Pinellas County market.
County records show 18 qualified sales in harbor bluffs across 2024 - 2025 (9 in 2024, 9 in 2025), median $865,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Harbor Bluffs: of 20 listing addresses checked against the FEMA National Flood Hazard Layer, 55% sit outside the FEMA Special Flood Hazard Area (Zone X); 45% 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 263 homes in Largo, Pinellas County, built between 1953 and 2024 (median 1963.0), with a median living area of about 2,848 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.
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 $383 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 2.7 months of supply, a seller-leaning market. Homes that do trade take a median 25 days on market, useful leverage on any listing that has lingered.
The housing stock is 263 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 3 factors (7.6). Basis: Liquidity & Demand 2.7 months of supply; Owner Commitment 80% owner-occupied; Pricing Power 96.4% 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. 12 on record.
- 108 Indian Rocks Road · off market
- 109 Driftwood Lane · off market
- 121 Harbor View Lane · off market
- 201 Harbor Bluff Drive · off market
- 204 Poinciana Lane · off market
- 209 Live Oak Lane · off market
- 212 Poinciana Lane · off market
- 226 Poinciana Lane · off market
| Location | Largo, Pinellas County, FL · ZIP 33770 |
|---|---|
| Homes in the community | 263 (FL DOR 2025 assessment roll) |
| Years built | 1953–2024 (median 1963.0) |
| Typical living area | 2,848 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 | $835,000 median across 14 closed sales · $383 per sq ft |
| Days on market (closed sales) | 25 median |
| For sale right now | 9 active, 3 pending · median asking $1,499,000 · 2.7 months of supply |
| Owner-occupied (homestead) share | 80% |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2024 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 November 13, 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 November 2026 through November 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Harbor Bluffs Right Now (12)
All 12 active and pending Harbor Bluffs listings with a detail page, newest first, refreshed twice a day from the MLS.
- 214 Poinciana Lane · $2,199,000 · 4 bd / 4 ba · listed Nov 12, 2026 · listed by The Shop Real Estate Co.
- 107 Poinciana Lane · $1,499,000 · 3 bd / 2.5 ba · listed Nov 12, 2026 · listed by Coastal Properties Group International
- 308 Crestwood Lane · $599,000 · 3 bd / 2 ba · pending · listed Oct 29, 2026 · listed by Realty Experts
- 201 Driftwood Lane · $1,449,000 · 5 bd / 3 ba · pending · listed Sep 11, 2026 · listed by Coastal Properties Group International
- 202 Driftwood Lane · $1,770,000 · 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 · $1,390,000 · 4 bd / 2 ba · listed Aug 21, 2026 · listed by Coastal Properties Group International
- 306 Buttonwood Lane · $2,295,000 · 3 bd / 3 ba · listed Aug 15, 2026 · listed by Flat Fee Mls Realty
- 902 Oakwood Drive · $1,695,000 · 4 bd / 3 ba · listed Aug 15, 2026 · listed by Charles Rutenberg Realty Inc
- 125 Harbor Bluff Drive · $719,900 · 4 bd / 3 ba · listed Aug 15, 2026 · listed by Results Real Estate Inc
- 220 Harbor View Lane · $2,995,995 · 5 bd / 5.5 ba · pending · listed Aug 15, 2026 · listed by Coldwell Banker Realty
Recently sold in Harbor Bluffs
- 204 Poinciana Lane · sold $1,950,000
- 109 Driftwood Lane · sold $2,086,500
- 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
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
- Gated communities 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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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 24 MLS listings (most billed annually; 2026-11-14). 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 20 listing addresses checked against the FEMA flood map, 55% sit outside the high-risk zone and 45% 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 1963 across 21 listings. An original roof here would be about 63 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.
25% 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 (2026-11-14).
Harbor Bluffs Market Scorecard
Harbor Bluffs is currently a seller's market. About 2.7 months of supply, a median asking price of $1,499,000, and homes go under contract in about 100 days.
Typical home value in the 33770 ZIP is $374,039, about 31.3% 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.
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?
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: November 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending November 13, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 33770)) |
| Under-contract shares | Stellar MLS records, as of 2026-11-13 |
| Historical depth | Closed-sale records back to 2024 (15 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. A Momentum agent can 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: