12816 HARBORWOOD DRIVE, LARGO, FL, 33774
Active3 days on marketListed Jul 30, 2026MLS #TB8533580
About this home
12816 HARBORWOOD DRIVE
Experience an exceptional waterfront lifestyle in this magnificent custom estate, ideally situated on the Intracoastal Waterway between Indian Rocks Beach and Belleair Beach. Nestled on an extraordinary 1.3-acre homesite in the exclusive Kensington Oaks community, this private residence offers breathtaking panoramic water views, lush manicured grounds, and quick access to the Gulf of America. Spanning more than 4,200 square feet, this impressive home offers 4 bedrooms, a bonus room w wet bar, loft, 4.5 baths with convenient pool bath, and a spacious 2-car garage. The thoughtfully designed floor plan is ideal for both everyday living and entertaining, featuring a luxurious first-floor primary suite with an expansive sitting area and spa-inspired bath, and an in law suite w private bath, while the upper level includes two more bedrooms, a full bath, and a versatile loft with balcony. Spectacular water views throughout the home, soaring ceilings, rich wood flooring, and fireplaces in both the living and family rooms create warmth and timeless elegance. The formal dining room is perfect for hosting memorable gatherings. Outdoor living is equally impressive. A nearly 60-foot covered and screened lanai overlooks the sparkling 15’ x 30’ pool, designed with open-air enjoyment instead of a traditional pool cage, allowing uninterrupted sunshine and refreshing coastal breezes. The second-floor balcony provides an elevated vantage point for breathtaking sunrises, colorful sunsets, and endless views of the Intracoastal. Kensington Oaks is one of the area’s desirable waterfront communities, known for its beautifully maintained homes, mature landscaping, and peaceful setting. Enjoy a short stroll to Bonner Nature Park and easy access to some of Florida’s finest beaches, including Indian Rocks Beach, Belleair Beach, and Clearwater Beach. Fine dining, golf, shopping, and two international airports are all within convenient reach. This is more than a home—it’s a rare opportunity to own a private waterfront estate offering space, elegance, and the quintessential Florida coastal lifestyle.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
4,234
Sqft
1.31 ac
Lot size
2
Garage
1987
Year built
Two
Levels
$579
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$16,857 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$16,857/mo
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.
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
$579 vs $240
Days on market
3 vs 42 typical
Where $579/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 33774 — neighborhood snapshot
Population
20,018
Median age
49.1
Median income
$76,769
Median home value
$315,200
Avg household
2.38
Households w/ children
1,963
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 → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
203 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 1001% above the LARGO 33774 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 12816 HARBORWOOD DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$2,150,000
12808 HARBORWOOD DRIVE · same community
4 bd · 4 ba · 3,811 sqft · $564/sqft · 353 DOM
Sold · Aug ’25$800,000
14106 KENSINGTON OAK PLACE · same community
4 bd · 2.5 ba · 2,823 sqft · $283/sqft · 10 DOM
Sold · May ’26$5,125,000
2 GULF BOULEVARD
5 bd · 4.5 ba · 4,987 sqft · $1,028/sqft · 318 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12816 HARBORWOOD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12816 HARBORWOOD DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
12816 HARBORWOOD DRIVE FAQs
What would the monthly payment be for 12816 HARBORWOOD DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,857/mo — principal and interest, the actual property-tax bill, the $71/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 12816 HARBORWOOD DRIVE?+
The association fee works out to $71 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12816 HARBORWOOD DRIVE?+
The most recent tax bill on record (2025) was $29,841. 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 12816 HARBORWOOD DRIVE?+
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 $2,450,000, this home is listed about 809% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12816 HARBORWOOD DRIVE?+
Oakhurst Elementary School (elementary), Seminole Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$2,450,000 runs 1001% above the LARGO 33774 median — but at 4,234 sqft it's also nearly 3 times the size of the typical Largo listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Largo market that averages 42 — if it fits, move quickly.
04Strong assigned schools
Oakhurst Elementary School, Seminole Middle School, Richard O Jacobson Technical High School At Seminole — Oakhurst Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of HOMES BY SANDERS REALTY · Mike Sanders. MLS #TB8533580.
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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