Harbor Lake Estates
Homes for Sale in Largo, FL
All 487 homes for sale in Largo, FL · median $300,000 · 85 homes for sale in 33770 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $514,950, $263 per square foot, a median 32 days on market, sellers accepting 90% of original asking. Homes listed or recently sold were built 1961–1972; none of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 13 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $9,980 ($9,170 with the full homestead exemption).
| Location | Largo, Pinellas County, FL · ZIP 33770 |
|---|---|
| Homes in the community | 121 (FL DOR 2025 assessment roll) |
| Years built | 1950–2023 (median 1969) |
| Typical living area | 1,930 sq ft (median) |
| Sale prices, last 12 months | $514,950 median across 4 closed sales · $263 per sq ft |
| Days on market (closed sales) | 32 median |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 72% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Lake Estates 2Nd Add key facts,” movewithmomentum.com/neighborhoods/harbor-lake-estates-2nd-add, data as of September 20, 2026.
Price here is driven by condition, not floor plan. With a median build year of 1969 and homes stretching back to 1950 and up through 2023, what a buyer pays hinges almost entirely on whether a house has been updated or left original. The median sits at $514,950 against roughly $263 a foot on about 1,930 square feet, but expect a wide spread around that number depending on renovation status.
The market posture is balanced-to-brisk. A median of 32 days on market means well-prepped homes move in just over a month, not overnight. Sellers who price to condition are rewarded; those who ask new-construction money for original systems will sit. Buyers have room to inspect and negotiate, but not to dawdle on the sharp listings.
Nearby homes for sale
No active listings inside Harbor Lake EstatesHomes for Sale in Largo, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Harbor Lake Estates market snapshot (as of September 20, 2026): the median sale price is about $515K ($263 per sq ft over the trailing 12 months of closed sales), and a median 32 days on market for closed sales.
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 6 qualified sales in Harbor Lake Estates across 2024–2025 (2 in 2024, 4 in 2025), median $475,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Harbor Lake Estates is a community of 121 homes in Largo, Pinellas County, built between 1950 and 2023 (median 1969), with a median living area of about 1,930 square feet. 72% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Harbor Lake Estates 2Nd Add is a small, established Largo pocket of about 121 homes in Pinellas County, where a homestead share above 72% points to a settled, owner-occupied core rather than a rental churn.
The setting & the homes.
Aerial and on-site photos of Harbor Lake Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Harbor Lake Estates; content deemed reliable but not guaranteed.
Who Harbor Lake Estates is best for.
Best for
- Buyers targeting the mid-$500s who want an established Largo location and are comfortable with mid-century housing stock
- Renovation-minded buyers looking to buy an original home and update on their own timeline
- Long-hold owner-occupants drawn to a stable, high-homestead pocket rather than a quick flip
Probably not for
- Buyers who need turnkey, new-build uniformity with no surprises in the systems
- Investors chasing high rental turnover, given the strong owner-occupied share
- Shoppers on a tight budget expecting the median price to buy a fully updated home
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 ($515K) IS the median in the snapshot above.
Windows contain 0 to 4 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 2014 through 2026. Deemed reliable but not guaranteed.
23% 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 (2026-09-20).
Harbor Lake Estates Market Scorecard
Harbor Lake Estates is currently a balanced market..
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Harbor Lake Estates 2Nd Add, 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 September 2026 through September 2026. Deemed reliable but not guaranteed.
Harbor Lake Estates 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, tiles © CARTO.
The Harbor Lake Estates buying strategy.
If we were buying in Harbor Lake Estates 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 Lake Estates.
A condition-driven market on 1969 bones
The defining fact of this community is its age spread. A 1950-to-2023 build range with a 1969 median tells you the housing stock is genuinely mixed: mid-century originals sitting alongside gut renovations and the occasional teardown-and-rebuild. That variety is why a single median price tells only part of the story here. Two homes at similar square footage can trade well apart based on roof, systems, and kitchens.
At roughly 1,930 square feet median and about $263 per foot, the value equation rewards buyers who can read a house honestly. The closings window is thin, so treat the median as a directional anchor rather than a precise comp, and lean hard on the inspection to understand where a given home falls on the original-to-updated scale.
The location and the amenities are priced into every listing in Harbor Lake Estates. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this driven by condition, the median price is a starting point, not an answer. We underwrite each home on its systems, age, and updates rather than the neighborhood average, so buyers know when a higher ask is justified and sellers know exactly where to spend before listing. With a thin closings window, that hands-on comping matters more than usual.
Harbor Lake Estates in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Harbor Lake Estates 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 Lake Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Lake Estates, 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 Lake Estates home worth?
Get a no-obligation home value based on real comparable sales in Harbor Lake Estates, 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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Frequently Asked Questions
What is the median home price in Harbor Lake Estates?
How long do homes in Harbor Lake Estates take to sell?
How many homes are in Harbor Lake Estates?
What share of Harbor Lake Estates is owner-occupied?
When were the homes in Harbor Lake Estates built?
Who is the best real estate agent for Harbor Lake Estates?
How do I find a top Largo real estate agent who knows Harbor Lake Estates?
Can Momentum Realty connect me with an agent for Harbor Lake Estates?
Where is Harbor Lake Estates, and what county is it in?
Should you buy in Harbor Lake Estates?
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: October 1, 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 (6 streets, ZIP 33770)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (21 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.
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See how Harbor Lake Estates 2Nd Add fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Harbor Lake Estates. These are the public schools most often assigned to other communities in ZIP 33770; zones change and vary by address, so confirm with the district before you buy.
- Largo High School · Public · FLDOE grade B (assigned to 3 nearby communities)
- Mildred Helms Elementary · Public · FLDOE grade A (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Nearby Communities
Explore more neighborhoods near Harbor Lake Estates with Momentum Realty’s local guides.