Neighborhood · Largo, Florida
Harbor Bluffs
Coastal Largo living close to the water
12
Homes for sale
$771,450
Median list price
$493
Avg price / sqft
68
Median days on market
Harbor Bluffs sits in the western edge of Largo, a short hop from the Gulf beaches and the Intracoastal, where waterfront lots and pool homes set the tone. This is a quiet, established pocket of Pinellas County with mature streets and easy access to nearby communities like East Bay, Palm Hill, and Water View Estates. It's the kind of place where you can keep a boat, walk to the water, and still be 40 minutes from Tampa International.
For buyers, the market here skews upscale: the median list price is $825,000 and six of the 13 active listings are priced above $1M. Homes are moving at a measured pace — 56 days on market is typical — and sellers are getting about 95% of asking, so there's room to negotiate without expecting a fire sale. If Harbor Bluffs feels out of range, the broader inventory of Largo homes for sale and neighborhoods like Fairway Village offer more accessible entry points.
Harbor Bluffs is a community in Largo, Florida.
Quick facts
$189,900 – $2.3M price range
1,826 sqft median home
$35/mo median HOA
$2,298/mo median rent
36 sold in 12 months
Drive times
On the market now
Homes for sale in Harbor Bluffs
$719,900$725,000
809 JACARANDA DRIVE, LARGO
3 bd · 2 ba · 1,788 sqft
$189,900$192,000
2950 W BAY DRIVE UNIT A5, BELLEAIR BLUFFS
1 bd · 1 ba · 765 sqft
$214,900$219,900
2950 W BAY DRIVE UNIT B1, BELLEAIR BLUFFS
1 bd · 1 ba · 765 sqft
$1,820,000
202 DRIFTWOOD LANE, LARGO
3 bd · 3 ba · 2,235 sqft
$799,000
118 LIVE OAK LANE, LARGO
4 bd · 2.5 ba · 1,864 sqft
$825,000$850,000
821 JACARANDA DRIVE, LARGO
4 bd · 3 ba · 1,767 sqft
$2,295,000$2,395,000
306 BUTTONWOOD LANE, LARGO
3 bd · 3 ba · 2,001 sqft
$1,397,000$1,427,000
407 HARBOR VIEW LANE, LARGO
4 bd · 2 ba · 2,113 sqft
$1,695,000$1,965,000
902 OAKWOOD DRIVE, LARGO
4 bd · 3 ba · 2,266 sqft
$743,900$789,900
125 HARBOR BLUFF DRIVE, LARGO
4 bd · 3 ba · 2,567 sqft
$210,000$235,000
2944 W BAY DRIVE UNIT 106, BELLEAIR BLUFFS
2 bd · 1 ba · 948 sqft
$309,900
50 HARBOR VIEW LANE UNIT 11, BELLEAIR BLUFFS
2 bd · 2 ba · 1,470 sqft
Every active listing inside the Harbor Bluffs boundary
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Browse Harbor Bluffs
By feature — on the live map
Where the market lives
The numbers that matter
The Harbor Bluffs market
36
Sold, last 12 months
$845,000
Median sold price
95%
Sale-to-list ratio
What sellers actually get vs asking
27 days
Median time to sell
Harbor Bluffs vs Largo
Median list price
Price per sqft
Days on market
Median sold price — 3-yr, 3-mo rolling
▼ 13.9% yr/yr
Homes sold per month
Live Stellar MLS data — every listing and closed sale inside the Harbor Bluffs boundary. Rolling medians smooth single-month swings in small communities.
For the school run
Schools Harbor Bluffs is zoned for
Attendance boundaries overlapping this community — always verify zoning with the district.
What it really costs
Owning here
Owning the median Harbor Bluffs home
≈ $4,712/mo
$771,450 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
$35/mo
Median HOA
From current listings inside the boundary
$2,298/mo
Median rent
Homes for rent inside the boundary
Population
1,626
Median age
55
Median income
$134,535
Median home value
$673,943
Beyond the listings
Living in Harbor Bluffs
Lifestyles
Top 12% in the U.S.Wealth Signaling
Interested in the finer things life has to offer, this population wants to display their lifestyle by discussing luxury products. Often references jewelry, cars, and home features.
Relationships
Top 14% in the U.S.Networking
Driven to succeed in the business world, this population seeks to progress in their career through networking happy hours, summits, and connecting with other professionals online.
Food & Drink
Top 15% in the U.S.Fueling for Fitness
A population characterized by healthy eating. Often pre-planning for meals for the purpose of fitness and convenience. Likely to participate in meal prep trends.
Food & Drink
Top 15% in the U.S.Sweet Treats
This population has a sweet tooth, and they're looking for treats to satisfy their sugar craving, including candy, cupcakes and flavorful toppings.
Relationships
Top 15% in the U.S.Girl Squad
From girls night out to a movie night in with their closest gal pals, this population is all about getting the girls together for an evening of fun.
Hobbies & Interests
Top 16% in the U.S.Dog Lovers
Pups are just another member of the family. Dog lovers adore their tail-wagging friends and are looking for new ways to make them happy.
People who close here
Our Largo experts
Straight answers
Harbor Bluffs FAQs
Is Harbor Bluffs a good place to live?+
It's a quiet, established coastal neighborhood in western Largo with strong access to the Gulf beaches and Intracoastal waterways. Six of the current listings are waterfront and eight have pools, so it appeals to buyers who want an outdoor, water-oriented lifestyle. Tampa International Airport is about 40 minutes away, which keeps it convenient without feeling urban.
Is Harbor Bluffs expensive?+
Yes, by Largo standards it sits toward the upper end, with a median list price of $825,000 and six of 13 active listings priced above $1M. That said, the range is wide — from $210,000 to nearly $4M — so there's more variety than the median suggests. Buyers looking for lower price points often widen their search to other Largo homes for sale.
What do homes cost in Harbor Bluffs?+
The median list price is $825,000, and homes run about $552 per square foot on a median size of roughly 2,001 square feet. Over the last 12 months, 35 homes sold at a median price of $820,000, so listing and closing numbers are closely aligned here.
How is the market in Harbor Bluffs right now?+
It's a steady, balanced market — homes take a median of 56 days to sell, and sellers are getting about 95% of their asking price. With 13 active listings and 35 sales over the past year, inventory is limited but there's genuine room to negotiate.
What are the HOA fees and property taxes like?+
Carrying costs are low for the price point: the median HOA is just $35/month and the median property tax is about $3,676/year. For those weighing renting, the median rent in the area runs around $2,395/month.
Keep exploring
More Largo neighborhoods
Neighborhood boundary by edgeAI; listings matched to the polygon. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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