




220 HARBOR VIEW LANE, Largo, FL, 33770
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
Schools
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
- Cold Wave
- Hurricane
- Lightning
- Tornado
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Pinellas County and Florida
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
| Monthly | Annual | |
|---|---|---|
| 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 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-22 | Listed for sale | $3,999,000 |
| 2009-11-12 | Listing removed | $2,500,000 |
| 2009-06-21 | Listed for sale | $2,500,000 |
| 1993-04-01 | Sold | $1,000,000 |
