CENTURY 21 Edge
$695,0004 bd3 ba1,961 sqft$354 /sqft≈$5,529 /mo all-in ↓

1721 HARBOR CIRCLE W, LARGO, FL, 33770

Active10 days on marketListed Oct 28, 2026MLS #TB8561961

Single Family ResidenceHARBOR HILLS 3RD ADD

Come see it

Upcoming open house

Sat, Nov 7

10:30 AM – 12:30 PM

SO MANY FEATURES! Come see this Beautifully renovated Largo/Seminole area home with 2026 updates throughout. This 4 bed (one is private in law quarters) , 3 FULL bath 1961 SF home is ready for viewing this weekend. (Private in-law quarters) I look forward to seeing you

About this home

1721 HARBOR CIRCLE W

BEAUTIFULLY UPDATED 4-BEDROOM, 3-FULL-BATH HOME IN THE DESIRABLE HARBOR HILLS COMMUNITY, JUST MINUTES FROM THE GULF BEACHES! Located on a quiet street just one block from the Intracoastal Waterway, this spacious 1,961-square-foot home offers a desirable split-bedroom floor plan, a 2-car garage, and plenty of room for comfortable Florida living. One of the four bedrooms, complete with its own full bathroom and private entrance, offers the flexibility of an attached in-law suite—ideal for extended family, guests, or multigenerational living. Step inside to an inviting, open layout filled with natural light and featuring extensive updates throughout. NEW luxury vinyl plank flooring, updated lighting, and modern fixtures give the home a fresh, updated look. The spacious living, dining, and kitchen areas flow together, making this home perfect for both everyday living and entertaining. The kitchen features quartz countertops, attractive cabinetry, newer appliances, and a convenient breakfast bar. An electric fireplace insert adds a cozy touch to the living room, while the built-in bar with beverage refrigerator is ideal for entertaining family and friends. A full wall of glass sliding doors brings the outdoors in, filling the living area with natural light and opening to the covered lanai and backyard. The split-bedroom layout offers added privacy, with the primary bedroom and its private bath separated from the additional bedrooms. All three bathrooms are FULL baths, including two with walk-in showers and a third featuring a unique sunken bathtub overlooking a peaceful outdoor garden display. Step outside to the covered PAVED LANAI, a wonderful spot for morning coffee, weekend barbecues, or relaxing at the end of the day. The spacious backyard is fully enclosed with vinyl privacy fencing and offers plenty of room for entertaining, pets, or adding a future pool. An irrigation system serves both the front and back yards, and the oversized 2-car garage provides plenty of parking and storage space. This home comes with a 13 MONTH HOME WARRANTY for buyer's Peace of Mind and to help make transitioning easier! Located in the established, deed-restricted Harbor Hills neighborhood, you'll enjoy being approximately 5–7 minutes from Pelican Golf Club and the Belleair Causeway boat ramp, with the beautiful Gulf beaches local restaurants, shopping, and entertainment just a short drive away. Whether you're looking for a full-time residence, a Florida getaway, or an investment property with potential for short- or long-term rental income (subject to applicable rental regulations), you have found the perfect home. MOVE-IN READY | EXTENSIVE 2026 UPGRADES | 4 BEDROOMS | 3 FULL BATHROOMS | PRIVATE IN-LAW SUITE | COVERED PAVED LANAI | PRIVATE FENCED BACKYARD | 1-YEAR HOME WARRANTY INCLUDED | SHORT- OR LONG-TERM RENTAL POTENTIAL!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

1,961

Sqft

0.18 ac

Lot size

2

Garage

1959

Year built

One

Levels

$354

Per sqft

Fireplace

Inside

FlooringLuxury Vinyl
AppliancesBar Fridge · Dishwasher · Disposal · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Wine Refrigerator
InteriorCarbon Mono/Detector · Ceiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Thermostat · Split Bedroom · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryElectric Dryer Hookup · In Garage · Sink · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMembrane · Shingle
ConstructionBlock
FoundationSlab
FacesWest
ParkingCurb Parking · Driveway · Garage Door Opener · Guest · Off Street · Open
ExteriorPrivate Yard · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$8/mo
Taxes (2025)$8,724/yr
PetsNo

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Sprinkler Meter · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$5,529 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$4,374
PMI (est., until 20% equity)$261
Property tax — 2025 actual bill$727
HOA fee — from the listing$8
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $69,500Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $69,500
Interest rate7.50%
Loan term

Estimated payment

$5,529/mo

Principal & interest$4,374
PMI (est., until 20% equity)$261
Property taxes (actual bill)$727
HOA / condo fee$8
Est. insurance$160

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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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.

List $695K
$492KedgeAI estimate $568,955 · range $512K–$620K$723K

vs edgeAI estimate

+22.2%

$/sqft vs Largo actives

$354 vs $218

Days on market

10 vs 49 typical

Where $354/sqft sits among the 400 Largo actives

120
84
71
60
31 · this home
34
$106–166$166–225$225–284$284–344$344–403$403+

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

Downtown Tampa≈ 39 min
Tampa Int’l Airport (TPA)≈ 39 min

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

ElementaryAnona Elementary School★★★★★
HighLargo High School★★★★★
MiddleSeminole Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Largo market

Seller’s marketLeans seller — 3.8 months of inventoryBuyer’s market

$321K → $360K

Largo median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

215 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 274% above the LARGO 33770 median. See the full Largo market guide →

Paper trail

This home's history

Oct 28, 2026Listed at $695,000 · 10 days on market since
1959Built · HARBOR HILLS 3RD ADD

Reality check

What actually sold near 1721 HARBOR CIRCLE W

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4331 HARBOR HILLS DRIVESold · Jul ’26

$620,000

4331 HARBOR HILLS DRIVE · same community

3 bd · 2 ba · 1,819 sqft · $341/sqft · 68 DOM

4071 HARBOR HILLS DRIVESold · Dec ’25

$380,000

4071 HARBOR HILLS DRIVE · same community

4 bd · 2 ba · 1,758 sqft · $216/sqft · 8 DOM

1745 HARBOR CIRCLE WSold · 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 1721 HARBOR CIRCLE W — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1721 HARBOR CIRCLE W — before you fall in love.

See it in person

Schedule a tour

Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1721 HARBOR CIRCLE W FAQs

What would the monthly payment be for 1721 HARBOR CIRCLE W?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $5,529/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 1721 HARBOR CIRCLE W?+

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 1721 HARBOR CIRCLE W?+

The most recent tax bill on record (2025) was $8,724. 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 1721 HARBOR CIRCLE W?+

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 153% above the Largo median of $275,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1721 HARBOR CIRCLE W?+

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.

Listing courtesy of MELENDY REAL ESTATE · Timothy Aragon. MLS #TB8561961.

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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