4495 CLEARWATER HARBOR DRIVE S, LARGO, FL, 33770
Active18 days on marketListed Sep 2, 2026MLS #TB8544709
About this home
4495 CLEARWATER HARBOR DRIVE S
Welcome to 4495 Clearwater Harbor Drive, a beautifully reimagined BLOCK residence offering 3 bedrooms, a versatile den, 2 bathrooms, and a 2-car garage. Thoughtfully remodeled from top to bottom in 2025, the home pairs sophisticated design with substantial modern upgrades. A light-filled split floor plan unfolds around an extraordinary 14-foot quartz island—the dramatic centerpiece of a custom kitchen designed for effortless entertaining. Ceiling-height, soft-close shaker cabinetry is complemented by premium Forno appliances, including a French-door refrigerator/freezer, induction range, and dishwasher. A built-in wine rack and discreet recessed charging stations add both style and convenience. Level 5 wall finishes, a beveled tile backsplash, wide-plank luxury vinyl flooring, and recessed LED lighting create a refined, cohesive aesthetic throughout. The formal dining room, distinguished by an elegant arched accent wall, provides a striking setting for intimate dinners and seamless indoor-outdoor gatherings. The private primary suite is a true retreat, featuring an oversized walk-in closet and its own secluded Trex deck enclave. Beyond the interiors, a resort-inspired backyard awaits with an expansive saltwater-ready pool, convenient pool-bath access, new six-foot vinyl privacy fencing, and beautifully illuminated landscaping. Water views are framed through the living room’s oversized bay window, while a dedicated laundry room enhances everyday functionality. Major improvements include a 2022 roof, new HVAC system, impact-rated windows and doors, updated plumbing, and the comprehensive 2025 renovation. Sophisticated, turnkey, and designed for an elevated Florida lifestyle, this exceptional home is ready to impress even the most discerning buyer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,778
Sqft
0.2 ac
Lot size
2
Garage
1972
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$196 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$196/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs HARBOR HILLS 3RD ADD
$3 vs $420
Days on market
18 vs 54 typical
Where $3/sqft sits among the 6 homes for sale in HARBOR HILLS 3RD ADD
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 → $326K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
5 of 6
HARBOR HILLS 3RD ADD have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 98% below the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 4495 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 · Jul ’26$620,000
4331 HARBOR HILLS DRIVE · same community
3 bd · 2 ba · 1,819 sqft · $341/sqft · 68 DOM
Sold · Nov ’25$425,000
1745 HARBOR CIRCLE W · same community
3 bd · 2 ba · 1,495 sqft · $284/sqft · 72 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4495 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 4495 CLEARWATER HARBOR DRIVE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4495 CLEARWATER HARBOR DRIVE S FAQs
What would the monthly payment be for 4495 CLEARWATER HARBOR DRIVE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $196/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4495 CLEARWATER HARBOR DRIVE S?+
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 $5,000, this home is listed about 98% below the Largo median of $290,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4495 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
Three things that matter here
01Under the LARGO 33770 market on paper
$5,000 is 98% below the LARGO 33770 median of $239,900, and at $3/sqft it sits under the Largo average of $252.
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 · Zach Steinberger. MLS #TB8544709.
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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