4523 CLEARWATER HARBOR DRIVE S, LARGO, FL, 33770
Active606 days on marketListed Feb 14, 2025MLS #TB8346318
About this home
4523 CLEARWATER HARBOR DRIVE S
NEW PRICE — NOW $695,000! Featuring 1,655 sq. ft. of beautifully renovated living space, a private heated saltwater pool, extensive system upgrades—and this home DID NOT flood during Hurricane Helene. Welcome to Harbor Hills, where exceptional craftsmanship, extensive upgrades and a private resort-style pool come together in a truly move-in-ready home. Meticulously renovated by Tampa Bay's Mitchell & Son Quality Construction, this is not simply a cosmetic remodel—the improvements extend throughout the property, creating a home designed for comfort, efficiency and easy Florida living. Inside, beautifully restored terrazzo floors reflect an abundance of natural light and provide timeless Florida character. The remodeled kitchen features rich hardwood cabinetry with soft-close doors and drawers, quartz countertops, Samsung black stainless-steel appliances and an Express Water reverse-osmosis system. Step outside and discover what may become your favorite room of the house. The private backyard has been transformed into a tropical retreat centered around a completely renovated heated saltwater pool with new pavers, coping, tile, pool finish and LED lighting. A Pentair variable-speed pump and Pure-chlor salt system provide efficient operation, while approximately 250 feet of newer vinyl fencing creates a private setting for relaxing, entertaining and enjoying Florida year-round. Significant improvements continue throughout the home with double-pane hurricane-impact windows, reinforced garage door, R30 attic insulation, Ruud HVAC system, Ultra-Aire whole-home dehumidifier, Bahama shutters, smart locks, new moldings and interior doors, custom closet organizers and low-maintenance xeriscape landscaping. Even the garage is climate controlled with its own mini-split AC—ideal for a workshop, hobby space or comfortable additional utility area. The beautifully remodeled primary bath features a substantial 3/8-inch glass shower enclosure, designer tile, quartz-topped vanity and modern fixtures. After sunset, professional Volt landscape lighting illuminates the palms, front elevation and oversized driveway for an impressive nighttime presentation. One particularly important distinction: while Hurricane Helene brought flooding to portions of the surrounding area, the seller reports that this home DID NOT FLOOD. Located in desirable Harbor Hills, close to the Intracoastal, Gulf beaches, shopping, dining and everything the Belleair/Largo area has to offer, this home delivers the Florida lifestyle without the renovation project. NOW OFFERED AT $695,000. If you've seen this home online before, it's time to take another look. The price has changed—the quality hasn't. Schedule your private showing and see just how much has already been done.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,655
Sqft
0.19 ac
Lot size
2
Garage
1964
Year built
One
Levels
$420
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,686 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,686/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−41.6%
$/sqft vs Largo actives
$420 vs $221
Days on market
606 vs 69 typical
Where $420/sqft sits among the 400 Largo actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Harbor Hills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
Harbor Hills — neighborhood snapshot
Population
1,452
Median age
50
Median income
$128,233
Median home value
$558,700
Avg household
3
Households w/ children
167
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
210 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 266% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 4523 CLEARWATER HARBOR DRIVE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$380,000
4071 HARBOR HILLS DRIVE · same community
4 bd · 2 ba · 1,758 sqft · $216/sqft · 8 DOM
Sold · Nov ’25$425,000
1745 HARBOR CIRCLE W · same community
3 bd · 2 ba · 1,495 sqft · $284/sqft · 72 DOM
Sold · Jul ’26$620,000
4331 HARBOR HILLS DRIVE · same community
3 bd · 2 ba · 1,819 sqft · $341/sqft · 68 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 4523 CLEARWATER HARBOR DRIVE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4523 CLEARWATER HARBOR DRIVE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4523 CLEARWATER HARBOR DRIVE S FAQs
What would the monthly payment be for 4523 CLEARWATER HARBOR DRIVE S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,686/mo — principal and interest, the actual property-tax bill, the $6/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4523 CLEARWATER HARBOR DRIVE S?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4523 CLEARWATER HARBOR DRIVE S?+
The most recent tax bill on record (2024) was $6,105. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4523 CLEARWATER HARBOR DRIVE S?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Largo?+
At $695,000, this home is listed about 144% above the Largo median of $284,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4523 CLEARWATER HARBOR DRIVE S?+
Anona Elementary School (elementary), Largo High School (high), Seminole Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$695,000 runs 266% above the LARGO 33770 median — but at 1,655 sqft it's also 35% larger than the typical Largo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
606 days on market against a Largo median of 69 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $800,000, now $695,000 — a $105K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HASENBECK & ASSOCIATES INC · Clarence Hasenbeck. MLS #TB8346318.
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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