Harbor Hills
Homes for Sale in Largo, FL
All 566 homes for sale in Largo, FL · median $299,000 · 110 homes for sale in 33774 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Harbor Hills in Largo, FL has 4 homes for sale and 1 pending, asking from $629,900 to $1,050,000 (median $827,000). Homes listed or recently sold were built 1958 - 1985; 6 of 16 report an HOA (median $8/mo); 14 of the 16 geocoded homes sit in a FEMA special flood hazard zone (median elevation 6 ft).
Last 30 days in Harbor Hills: 3 new listings (median asking $915,000), 1 under contract right now. As of November 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Harbor Hills
Live MLS inventory for Harbor Hills. 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 · 4 daysTop listing
Active · 16 days
Active · 1 days
Active · 221 days
Under Contract · 413 daysActive and pending Harbor Hills listings as of 2026-11-02, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2011 through 2026. Tap any home to ask about it.
Harbor Hills is a small, established pocket in Largo where price is driven far more by condition and updates than by any formula. The housing stock spans from 1940 through 2024, with a median build year of 1962, so you are looking at a mix of original mid-century homes and newer or heavily reworked ones. At a median of $642,500 and roughly $461 per square foot on a median footprint near 1,900 square feet, the spread between a tired original and a modernized home is wide. Read each listing on its own merits.
The posture reads seller-leaning on paper - 1.8 months of supply and only two active listings - but the clock tells a more nuanced story. Median days on market sit at 144.5, and the year-over-year median is down 21.1%. That combination says sellers hold the thin-inventory advantage only when the home is priced to current reality; overpriced listings sit. For buyers, patience and a willingness to underwrite condition can pay off. For sellers, pricing discipline matters more here than market momentum.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Harbor Hills right now
🟡 Balanced market. 1.8 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.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: Medium (4 active and pending listings, 4 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($642K) is down 21.1% from the prior 12 months ($814K). With about 3 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: Low (4 and 4 sales in the two windows).
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 Hills market snapshot (as of September 20, 2026): the median sale price is about $642K ($461 per sq ft over the trailing 12 months of closed sales), a median 145 days on market for closed sales, and 1.8 months of supply, a balanced market. The trailing-12-month median is down 21% from the prior 12 months, computed from record-level Stellar MLS closed sales (4 closings in the current window).
In ZIP 33774 (Largo), 68 homes closed in the last 12 months at a median of $540K ($329/sq ft), up 1.9% year over year, with a median 57 days on market. Right now 27 active and 10 pending listings put supply at about 4.8 months - a balanced market. See the live ZIP 33774 housing market and the Pinellas County market.
County records show 3 qualified sales in Harbor Hills across 2024 - 2025 (1 in 2024, 2 in 2025), median $629,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Harbor Hills: of 15 listing addresses checked against the FEMA National Flood Hazard Layer, 13% sit outside the FEMA Special Flood Hazard Area (Zone X); 87% 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 Hills is a community of 76 homes in Largo, Pinellas County, built between 1940 and 2024 (median 1962), with a median living area of about 1,894 square feet. 51% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A compact enclave of about 76 homes in Largo with deed restrictions and golf-cart-friendly streets, where the real variable is the gap between original 1960s stock and updated or newer builds.
The setting & the homes.
Aerial and on-site photos of Harbor Hills. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Harbor HillsPhotos from Stellar MLS listings in Harbor Hills; content deemed reliable but not guaranteed.
Who Harbor Hills is best for.
Best for
- Buying to hold in a small, established Largo enclave with golf-cart-friendly streets
- Willing to take on a renovation and underwrite condition on an older home
- Buyers who value deed-restricted consistency and will verify HOA rules before offering
Probably not for
- Needing a quick resale or deep pool of comparable sales to price against
- Wanting a uniform, newer-build subdivision rather than a mixed-vintage pocket
- Expecting to skip inspections or avoid budgeting for system updates on older stock
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 ($642K) IS the median in the snapshot above, and the move from 2025 ($814K) IS the -21.1% one-year change.
Windows contain 0 to 9 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2011 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.
20% 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 (2026-11-14).
Harbor Hills Market Scorecard
Harbor Hills is currently a balanced market. About 4.4 months of supply, a median asking price of $827,000, and homes go under contract in about 20 days.
Typical home value in the 33774 ZIP is $378,390, right around 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 Hills 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 Hills
- Deed Restrictions · reported on 2 of 7 listings
- Golf Carts OK · reported on 1 of 7 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
- Anona Elementary-PN · Elementary
- Seminole Middle-PN · Middle
- Largo High-PN · High
Zoned schools reflect the assignments reported on recent Harbor Hills 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 Hills address.
Shop the zone: Homes zoned for Largo High-Pn High School
The Harbor Hills buying strategy.
If we were buying in Harbor Hills 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Hills.
Condition is the whole story
With a median year built of 1962 and a range reaching back to 1940, a meaningful share of this stock predates modern systems and layouts. At the same time, new construction as recent as 2024 exists within the same streets. That bifurcation is why one median price can mask two very different buys - a renovation project and a turnkey home can trade within the same community without contradicting each other. Budget for inspections and have a clear view of what you are paying for.
Homestead share sits near half the homes, which points to a mix of owner-occupied and non-homestead properties. Deed restrictions and golf-cart-friendly rules shape day-to-day use; both are reported across MLS listings and should be verified directly with the HOA before you write an offer. With only two active listings and four closings in the recent window, comparable data is thin, so lean on current condition and recent sold detail rather than broad averages.
The location and the amenities are priced into every listing in Harbor Hills. 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 Hills 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 4 factors (3.6). Basis: Recent Direction -21.1% year-over-year; Liquidity & Demand 1.8 months of supply; Owner Commitment 51% owner-occupied; Pricing Power 85.5% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this small, with thin inventory and a wide condition-driven price spread, generic comps mislead. We underwrite each home on its own systems, age, and updates, pressure-test pricing against the 144.5-day median market time, and confirm deed restrictions and golf-cart rules with the HOA before you commit - so you are negotiating from facts, not averages.
Harbor Hills in 15 seconds.
Tools for a Harbor Hills 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 Hills sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Hills, 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 Hills home worth?
Get a no-obligation home value based on real comparable sales in Harbor Hills, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Harbor Hills
Homes in Harbor Hills 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. 3 on record.
- 2017 Cove Drive · off market
- 3553 Center Circle · off market
- 3995 South Circle · off market
| Location | Largo, Pinellas County, FL · ZIP 33774 |
|---|---|
| Homes in the community | 30 (FL DOR 2025 assessment roll) |
| Years built | 1958–1991 (median 1968.0) |
| Typical living area | 2,182 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Deed Restrictions, Golf Carts OK |
| For sale right now | 4 active, 1 pending · median asking $827,000 · 4.4 months of supply |
| Owner-occupied (homestead) share | 67% |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2019 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Hills key facts,” movewithmomentum.com/neighborhoods/harbor-hills-largo, data as of November 13, 2026.
Housing distress & ownership in Harbor Hills, 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.
Just listed in Harbor Hills
The newest homes for sale in Harbor Hills right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 3511 North Circle $739,000 · 3 bd · 3 ba · 1,560 sq ft · listed Nov 2, 2026 Courtesy of CHARLES RUTENBERG REALTY INC
- 1575 Brookside Boulevard $1,050,000 · 3 bd · 3 ba · 1,951 sq ft · listed Oct 30, 2026 Courtesy of CHARLES RUTENBERG REALTY INC
- 4017 Church Creek Point $915,000 · 3 bd · 2 ba · 1,625 sq ft · listed Oct 18, 2026 Courtesy of ENGEL & VOLKERS BELLEAIR
- 3749 Mckay Creek Drive $629,900 · 3 bd · 2 ba · 1,742 sq ft · listed Mar 27, 2026 Courtesy of THE SHOP REAL ESTATE CO.
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Harbor Hills Right Now (5)
All 5 active and pending Harbor Hills listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3511 North Circle · $739,000 · 3 bd / 3 ba · listed Oct 31, 2026 · listed by Charles Rutenberg Realty Inc
- 1575 Brookside Boulevard · $1,050,000 · 3 bd / 3 ba · listed Oct 29, 2026 · listed by Charles Rutenberg Realty Inc
- 4017 Church Creek Point · $915,000 · 3 bd / 2 ba · listed Oct 18, 2026 · listed by Engel & Volkers Belleair
- 3749 Mckay Creek Drive · $629,900 · 3 bd / 2 ba · listed Aug 15, 2026 · listed by The Shop Real Estate Co.
- 1772 Indian Rocks Road · $795,500 · 3 bd / 3 ba · pending · listed Aug 15, 2026 · listed by Sunlovers Realty Group
Recently sold in Harbor Hills Largo
- 3995 South Circle · sold $575,000
- 2017 Cove Drive · sold $784,000
- 3511 North Cir · sold $450,000
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
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- High Bluff Drive (41 homes on record)
- Mckay Creek Drive (23 homes on record)
- Brookside Boulevard (20 homes on record)
- Harbor Hills Drive (10 homes on record)
- Harbor Hills Drive (9 homes on record)
- Clearwater Harbor Drive (9 homes on record)
- Harbor Hills Drive (7 homes on record)
- Indian Rocks Road S (7 homes on record)
- Mckay Creek Drive (6 homes on record)
- Harbor Hills Drive (5 homes on record)
- High Bluff Drive (4 homes on record)
- Indian Rocks Road S (3 homes on record)
What it really costs to own in Harbor Hills
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 | MLS listings here mostly enter dues as billed annually, but the median entry is only $100/year across 5 listings (2026-11-14), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
|---|---|
| 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 15 listing addresses checked against the FEMA flood map, 13% sit outside the high-risk zone and 87% 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 1969 across 15 listings. An original roof here would be about 57 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 Hills
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 Hills
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Harbor Hills 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 Hills?
How long do homes in Harbor Hills take to sell?
Is Harbor Hills a buyer's or seller's market right now?
How many homes are in Harbor Hills?
What share of Harbor Hills is owner-occupied?
When were the homes in Harbor Hills built?
Who is the best real estate agent for Harbor Hills?
How do I find a top Largo real estate agent who knows Harbor Hills?
Can Momentum Realty connect me with an agent for Harbor Hills?
Where is Harbor Hills, and what county is it in?
Is Harbor Hills in a flood zone?
Should you buy in Harbor Hills?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 2, 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 (3 streets, ZIP 33774)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2011 (40 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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