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220 HARBOR VIEW LANE, Largo, FL, 33770

5beds
6baths
4,786sqft
$3,999,000
$836price/sqft
$28,173/moest. monthly cost
$1,126,920/yrincome needed

About This Home

Nestled within the highly coveted Harbor Bluffs waterfront neighborhood, where much of this stretch rests atop natural limestone bluffs rising approximately 20 feet above sea level, this exceptional waterfront residence offers a rare blend of timeless elegance, flexible living spaces, and the quintessential Florida lifestyle. From the moment you arrive, lush tropical landscaping and impressive curb appeal create a warm and welcoming first impression. Step through the front door and discover a light-filled interior where neutral tones, rich wood flooring, and soaring ceilings create an atmosphere that is both inviting and sophisticated. A spectacular catwalk overlooks the main living area below, adding architectural drama while drawing your eye toward the spacious family room, where a handsome brick fireplace serves as the heart of the home. Thoughtful custom built-ins in both the dining room and kitchen add warmth, character, and functionality throughout. Designed to impress even the most discerning chef, the enormous kitchen features a large center island with stovetop and seating, granite countertops, a Sub-Zero refrigerator, Sub-Zero freezer, wine fridge, pantry, and abundant workspace for entertaining family and friends. The flexible floor plan is ideal for multigenerational living, offering two primary suites—one conveniently located on the main level and an extraordinary retreat upstairs. The upper-level primary suite is truly a private sanctuary, complete with a dramatic double-sided fireplace, an expansive walk-in closet with custom built-ins, breathtaking water views, and a luxurious en-suite bath featuring dual vanities, a relaxing soaking tub, and a spacious walk-in shower. Additional bedrooms are generously sized, filled with natural light, and offer ample closet space, while an upstairs laundry room with a utility sink and mini refrigerator adds everyday convenience. Two separate staircases provide easy access throughout the home and enhance the thoughtful design. Step outside and experience the very best of waterfront living. A sparkling pool and spa are surrounded by multiple entertaining areas designed for both intimate gatherings and grand celebrations with an outside tiled shower room and separate bathroom. Beyond the pool, a sprawling lawn stretches toward the water's edge, where a Trex dock and private boat slip await boating enthusiasts eager to explore the Intracoastal waterways and Gulf beyond. Perfectly positioned near local restaurants, boutique shopping, and the area's world-famous white sand beaches, this remarkable Harbor Bluffs residence offers an unparalleled opportunity to enjoy luxury waterfront living at its finest.

Getting Around

16
WalkingCar-Dependent
17
TransitMinimal Transit
45
BikeSomewhat Bikeable

Schools

7/10
4/10
Largo Middle SchoolGrades 6-82.7 mi
6/10
Largo High SchoolGrades PK,9-122.7 mi

Construction

Condition

  • Year built: 1968

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Oven,Dishwasher,Disposal,Microwave
  • Laundry features: Inside,Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 6
  • Full bathrooms: 5
  • 1/2 bathrooms: 1

Features

  • Built-in Features,Cathedral Ceiling(s),Ceiling Fan(s),Chair Rail,Crown Molding,Dry Bar,Eating Space In Kitchen,High Ceilings,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Solid Surface Counters,Solid Wood Cabinets,Split Bedroom,Vaulted Ceiling(s),Walk-In Closet(s)
  • Door features: French Doors,Outdoor Shower
  • Window features: Window Treatments,Hurricane Shutters
  • Flooring: Carpet,Tile,Hardwood
  • Fireplace features: Family Room,Gas,Master Bedroom,Wood Burning
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 6,598
  • Total interior livable area: 4,786 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second

Property

Details

  • Parcel number: 322915357480100110
  • Zoning: R-3
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Screen Enclosure,Tile
  • Exterior features: Balcony,Irrigation System,Outdoor Shower
  • Has spa: Yes
  • Spa features: Heated,In Ground
  • Has view: Yes
  • View description: Gulf/Ocean - Full,Intracoastal Waterway
  • Has water view: Yes
  • Water view: Gulf/Ocean - Full,Intracoastal Waterway
  • On waterfront: Yes
  • Waterfront features: Intracoastal Waterway,Gulf/Ocean Access,Intracoastal Waterway Access,Seawall
  • Waterbody name: INTRACOASTAL

Lot

  • Lot size: 0.67 Acres
  • Lot size dimensions: 101 x 291

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tornado
    TornadoModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Lightning
Tornado
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $20,221$242,652
Home Insurance *$1,692$20,304
Property Taxes $5,779$69,348
Electricity $481$5,779
Total$28,173$338,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$965,931/yr
40% on housing$845,190/yr
45% on housing$751,280/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$836This listing

vs Other Active Listings

Avg $/sqft

ZIP 33770$224
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 33770$280
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-06-22Listed for sale$3,999,000
2009-11-12Listing removed$2,500,000
2009-06-21Listed for sale$2,500,000
1993-04-01Sold$1,000,000

For Sale by Agent

AgentMartha Thorn
BrokerageCOLDWELL BANKER REALTY

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