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List Price

$2,995,995

220 Harbor View, Largo, FL 33770

145 days on market↓ $1003K from original list price

Estimated Payment

$22,393/mo

20% down and current market rates

Bedrooms5 bdBathrooms6 baLiving area4,786 Square FeetYear builtBuilt 1968

Listed by

Martha Thorn

COLDWELL BANKER REALTY

Listed by another brokerage. HomeJam connects you directly with the listing side.

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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

220 Harbor View, Largo, FL 33770 in Largo, FL 33770 is listed for $2,995,995. The home has 5 bedrooms, 6 bathrooms, and 4,786 square feet, and was built in 1968. Listed 145 days ago. The price was reduced from $3,999,000. The listing is held by COLDWELL BANKER REALTY.

33770 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$42,042 (tax year 2025)
HOA fee$35 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $599,199

$

$22,393/moest.

  • Principal & Interest 73%
  • Property Taxes 16%
  • Insurance 11%
  • HOA 0%
Principal & Interest
$16,357
Property Taxesfrom listing
$3,504
Insurance
$2,497
HOA
$35

30-year fixed at 7.254%, as of November 12, 2026

Above the $832,750 conforming limit, most lenders ask for 10 to 20 percent down and terms vary. Conforming rate shown; jumbo rates vary.

At 20% down, a loan on this home is jumbo.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.254% for a 30-year fixed loan (Optimal Blue daily, published November 12, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $22,393, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $42,042 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR794189808. HomeJam is not the listing broker.

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