Active
$2,995,995
Est. $20,662/mo

220 Harbor View Ln, Largo, FL, 33770

$626/sqft·Harbor Bluffs

5 bd6 ba4,786 sqft2 car garageSingle Family
Listed by COLDWELL BANKER REALTY· Last updated · MLS# TB8521648

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$20,662/mo
Down payment (20%)
$599,199
Property taxes
$3,504/mo
HOA
$420/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 1968
Waterfront
Intracoastal Waterway
Private pool
In Ground
2 car garage
0.67 acres
Lot size

About this home

Built-in FeaturesCathedral Ceiling(s)Ceiling Fans(s)Chair RailCrown MoldingDry BarEat-in KitchenHigh Ceilings

220 Harbor View Ln is a 1968-built home in Harbor Bluffs Sec 2, Largo. Inside you'll find 5 bedrooms, 6 bathrooms, and 4,786 square feet of living space. Listed at $2,995,995 (about $626/sqft), 80 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $420 annually.

From the listing

Nestled within the highly coveted Harbor Bluffs waterfront neighborhood, where much of this stretch rests atop natural limestone bluffs rising approximately 20 feet above sea level, this exceptional waterfront residence offers a rare blend of timeless elegance, flexible living spaces, and the quintessential Florida lifestyle. From the moment you arrive, lush tropical landscaping and impressive curb appeal create a warm and welcoming first impression. Step through the front door and discover a light-filled interior where neutral tones, rich wood flooring, and soaring ceilings create an atmosphere that is both inviting and sophisticated. A spectacular catwalk overlooks the main living area below, adding architectural drama while drawing your eye toward the spacious family room, where a handsome brick fireplace serves as the heart of the home. Thoughtful custom built-ins in both the dining room and kitchen add warmth, character, and functionality throughout. Designed to impress even the most discerning chef, the enormous kitchen features a large center island with stovetop and seating, granite countertops, a Sub-Zero refrigerator, Sub-Zero freezer, wine fridge, pantry, and abundant workspace for entertaining family and friends. The flexible floor plan is ideal for multigenerational living, offering two primary suites—one conveniently located on the main level and an extraordinary retreat upstairs. The upper-level primary suite is truly a private sanctuary, complete with a dramatic double-sided fireplace, an expansive walk-in closet with custom built-ins, breathtaking water views, and a luxurious en-suite bath featuring dual vanities, a relaxing soaking tub, and a spacious walk-in shower. Additional bedrooms are generously sized, filled with natural light, and offer ample closet space, while an upstairs laundry room with a utility sink and mini refrigerator adds everyday convenience. Two separate staircases provide easy access throughout the home and enhance the thoughtful design. Step outside and experience the very best of waterfront living. A sparkling pool and spa are surrounded by multiple entertaining areas designed for both intimate gatherings and grand celebrations with an outside tiled shower room and separate bathroom. Beyond the pool, a sprawling lawn stretches toward the water's edge, where a Trex dock and private boat slip await boating enthusiasts eager to explore the Intracoastal waterways and Gulf beyond. Perfectly positioned near local restaurants, boutique shopping, and the area's world-famous white sand beaches, this remarkable Harbor Bluffs residence offers an unparalleled opportunity to enjoy luxury waterfront living at its finest.

The essentials

Built
1968
Price / sqft
$626
On market
81 days
Annual tax
$42,042
HOA
$420/yr
Flood zone
X · Low risk
Lot
29,111 sqft
Type
Single Family Residence

Location

220 Harbor View Ln
Largo, FL, 33770·33770 - Largo/Belleair Bluffs
Type
Single Family Residence
Year Built
1968
Lot
29,111 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground, Screen Enclosure, Tile
Waterfront
Intracoastal Waterway
Days on Market
81
Built-in Features
Cathedral Ceiling(s)
Ceiling Fans(s)
Chair Rail
Crown Molding
Dry Bar
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Balcony
Hurricane Shutters
Outdoor Shower
Built-in Oven
Dishwasher
Disposal
Microwave
Flood Zone X

Annual Tax (2025)

$42,042

Parcel #

32-29-15-35748-010-0110

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Harbor Bluffs Sec 2

County

Pinellas

MLS Area

33770 - Largo/Belleair Bluffs

Lot Size

29,111 sqft

HOA
$420/yr
Harbor Bluffs HOA/Nikki McConnell
Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #TB8521648
$2,995,995-25.1%
$626/sqft
6/22/2026
Listed for sale
Source: Stellar MLS #TB8521648
$3,999,000+299.9%
$836/sqft
4/1/1993
Sold
Source: Pinellas County Public Record
$1,000,000
$209/sqft
Est. monthly payment$20,662/mo
Principal & interest$15,625
Property taxes$3,504
Insurance$1,498
HOA$35
Down payment20% · $599,199
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $2,995,995
$2.95M – $3.00M
98.6% – 100% of listTops out right at the list price
80% of listList price
55 of the last 108 home closings in 33770 landed at this number or higher (51%). The median one sat 33 days before it went under contract, and this one is on day 81 after a $1,003,005 cut.

Sample: 108 closed home sales in 33770 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Keep exploring Tampa Bay

Pick up where you left off, or see what else is out there.