3538 SHADY BLUFF DRIVE, LARGO, FL, 33770
Active101 days on marketListed Jul 2, 2026MLS #TB8523229
About this home
3538 SHADY BLUFF DRIVE
The Perfect Trifecta: Pool Home • Non-Flood Zone • Short-Term Rental Potential — Discover the perfect combination of lifestyle, location, and investment opportunity in this beautifully renovated 3-bedroom, 2-bath pool home offering 1,563 square feet of thoughtfully designed living space in Largo's desirable Harbor Hills neighborhood. Whether you're searching for a primary residence, vacation getaway, or income-producing investment, this home checks every box. Located in Flood Zone X (no flood insurance required) and offering the potential for short-term rentals, it presents an increasingly rare opportunity in today's market. Inside, the desirable split-bedroom floor plan offers privacy for the spacious primary suite, while two guest bedrooms are situated on the opposite side of the home and share a generously sized hallway bath. Three hallway closets provide an abundance of storage rarely found in homes of this size. The completely renovated interior is truly move-in ready, showcasing timeless finishes and a fresh coastal aesthetic throughout. The beautifully appointed kitchen features crisp white cabinetry accented by soothing blue tones, custom quartz countertops, a striking blue tile backsplash, abundant cabinetry, and a full pantry wall surrounding the refrigerator for exceptional storage and functionality. Oversized Scandinavian-inspired luxury vinyl plank flooring flows seamlessly throughout the home, adding warmth, durability, and contemporary style. The open-concept living and dining areas transition effortlessly into the rear family room, where sliding glass doors lead to your own private backyard retreat. Designed for easy Florida living, the outdoor space features a sparkling pool surrounded by low-maintenance turf, an expansive deck for lounging and entertaining, and a dedicated fire pit gathering area — perfect for relaxing evenings under the stars or hosting family and friends. Additional highlights include an attached two-car garage, 2018 roof, 2025 HVAC system, and fully paid-off solar panels, providing energy efficiency and helping keep utility costs low for years to come. Ideally located in the sought-after Harbor Hills neighborhood, you'll enjoy quick access to award-winning Gulf beaches, beautiful parks, shopping, dining, and everyday conveniences. Tampa International Airport is less than 30 minutes away, while St. Pete–Clearwater International Airport is approximately 20 minutes from your doorstep. Beautifully updated, ideally located, and packed with sought-after features — including a pool, no flood insurance requirement, and short-term rental potential — this home truly is the perfect trifecta.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,563
Sqft
0.17 ac
Lot size
2
Garage
1964
Year built
One
Levels
$377
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.
$3,729 /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
$3,729/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
+22.5%
$/sqft vs HARBOR HILLS
$377 vs $253
Days on market
101 vs 69 typical
Where $377/sqft sits among the 8 homes for sale in HARBOR HILLS
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)
6 of 8
HARBOR HILLS have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 206% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 3538 SHADY BLUFF DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$417,000
0 SUNBEAM WAY · same community
2 bd · 2 ba · 1,550 sqft · $269/sqft · 56 DOM
Sold · May ’26$455,000
3425 HIGH BLUFF DRIVE · same community
3 bd · 2 ba · 1,626 sqft · $280/sqft · 183 DOM
Sold · Oct ’25$495,000
5400 SADDLEBACK COURT · same community
3 bd · 2 ba · 1,895 sqft · $261/sqft · 88 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3538 SHADY BLUFF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3538 SHADY BLUFF DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3538 SHADY BLUFF DRIVE FAQs
What would the monthly payment be for 3538 SHADY BLUFF DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,729/mo — principal and interest, the actual property-tax bill, the $8/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 3538 SHADY BLUFF DRIVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3538 SHADY BLUFF DRIVE?+
The most recent tax bill on record (2025) was $1,937. 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 3538 SHADY BLUFF DRIVE?+
The listing reports pets: Yes. 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 $589,000, this home is listed about 109% above the Largo median of $282,099. The market section on this page shows how the area is trending.
Which schools are assigned to 3538 SHADY BLUFF DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$589,000 runs 206% above the LARGO 33770 median — but at 1,563 sqft it's also 28% 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.
03Strong assigned schools
Anona Elementary School, Largo High School, Seminole Middle School — Anona Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · William Thomas. MLS #TB8523229.
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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