863 BAY BREEZE TERRACE, LARGO, FL, 33770
Active2 days on marketListed Sep 18, 2026MLS #TB8550126
About this home
863 BAY BREEZE TERRACE
POOL HOME 5 MINUTES TO INDIAN ROCKS BEACH | NO HOA | SHORT-TERM RENTAL FRIENDLY Enjoy the Florida lifestyle in this spacious 3-bedroom, 2-bath pool home on an oversized 0.33-acre lot with no HOA and no rental restrictions. With over 1,725 sq. ft. of living space, this home features a large screened-in lanai, updated pool deck, putting green, 2-car garage, and a comfortable split-bedroom floor plan. The kitchen has been updated with stone countertops, stainless-steel appliances, and a new dishwasher. The primary suite includes a walk-in closet and updated bathroom. Located just 5 minutes from Indian Rocks Beach and the Belleair Causeway Boat Ramp, and close to Taylor Park, the Pinellas Trail, shopping, restaurants, Clearwater Beach, and major airports. Flexible rental opportunity: The property is suitable for long-term living and may also be subleased as a short-term rental, allowing the tenant to potentially generate additional income, subject to applicable laws, permits, and rental requirements. No flood zone, new water softener, and no known storm damage. A great opportunity to enjoy a Florida pool home while having the flexibility to generate income through short-term rentals.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,725
Sqft
0.33 ac
Lot size
2
Garage
1964
Year built
One
Levels
$2
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.
$189 /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
$189/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 Largo actives
$2 vs $222
Days on market
2 vs 54 typical
Where $2/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 Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33770 — neighborhood snapshot
Population
25,005
Median age
49.3
Median income
$58,071
Median home value
$245,200
Avg household
2.22
Households w/ children
2,227
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)
217 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 98% below the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 863 BAY BREEZE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$510,000
1010 BAY BREEZE TERRACE · same community
4 bd · 2 ba · 1,434 sqft · $356/sqft · 81 DOM
Sold · Jul ’26$400,000
1002 BAY BREEZE TERRACE · same community
2 bd · 2 ba · 1,183 sqft · $338/sqft · 114 DOM
Sold · Aug ’26$775,000
918 BAY BREEZE TERRACE · same community
4 bd · 4 ba · 2,496 sqft · $310/sqft · 7 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 863 BAY BREEZE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 863 BAY BREEZE TERRACE — 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
863 BAY BREEZE TERRACE FAQs
What would the monthly payment be for 863 BAY BREEZE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $189/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 863 BAY BREEZE TERRACE?+
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 $4,000, this home is listed about 99% below the Largo median of $290,000. The market section on this page shows how the area is trending.
Which schools are assigned to 863 BAY BREEZE TERRACE?+
Largo High School (high), Largo Middle School (middle), Ponce De Leon Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LARGO 33770 market on paper
$4,000 is 98% below the LARGO 33770 median of $239,900, and at $2/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.
03Fresh on the market
Only 2 days on market in a Largo market that averages 54 — if it fits, move quickly.
04Strong assigned schools
Largo High School, Largo Middle School, Ponce De Leon Elementary School — Ponce De Leon Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of US INTERAMERICAN REALTY LLC · Maria Urbano. MLS #TB8550126.
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.
Never miss a listing
New Largo homes, in your inbox
Like 863 BAY BREEZE TERRACE but not quite? A daily digest of every new listing in Largo — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Nicholas to ping you on any price or status change →