12816 HARBORWOOD DRIVE Largo, FL $ 2,450,000
12816 HARBORWOOD DRIVE
$ 2,450,000
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12816 HARBORWOOD DRIVE

Largo, FL, 33774
$ 2,450,000
Bedrooms4 Baths4.1 Sq 4,234

Monthly Estimate*

$ 15,470

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Single Family Home for sale in Largo, FL

for $2,450,000 with 4 bedrooms and 4 full baths, 1 half bath. This 4,234 square foot home was built in 1987 on a lot size of 1.31.

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.

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Single Family Active

Price

$ 2,450,000

Bedrooms

4

Full Bath

4

Half Bath

1

Property Type

Single Family

Taxes

$ 29,841

Style

Cape Cod Coastal

Lot Size

1.31

Year Built

1987

Town/City

Largo

County/Region

Pinellas

MLS | Web ID

TB8533580

Features
General
Sewer Public Sewer
Heating Central Electric
Cooling Central Air
Utilities Cable Connected Electricity Connected Sewer Connected Street Lights Water Connected
Possession Close Of Escrow
Roof Shingle
Appliances Bar Fridge Dishwasher Disposal Dryer Microwave Range Range Hood Refrigerator Washer Wine Refrigerator
Zoning RES
HOA Fee 850
Garage Spaces 2
Association Fee Includes Manager
Patio/Porch Features Covered Rear Porch Screened
Architectural Style Cape Cod Coastal
Pool Features Auto Cleaner Gunite In Ground Lighting Outside Bath Access Pool Sweep
Security Features Closed Circuit Camera(s) Security System Smoke Detector(s)
Construction Materials Block Brick
Pets Allowed Yes
Year Built 1987
View Trees/Woods Water
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
Waterfront Features Intracoastal Waterway
Community Features Deed Restrictions
Assoc Fee Paid Per Annually
County Pinellas
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name KENSINGTON OAKS
Facing Direction Southeast
Garage Y/N true
Total Rooms 15
Full Baths 4
Status Active
Directions INDIAN ROCKS RD S TO W ON KENSINGTON OAKS PL TO N ON HARBORWOOD DR
City LARGO
Body of Water GULF OF AMERICA INTRACOASTAL
Association Name Jamie
Senior Community Y/N false
MLS Area 33774 - Largo
Lot Size Units Acres
Lot Size Square Feet 56985
Carport Y/N false
Listing Terms Cash Conventional
Land Lease Y/N false
Tax Annual Amount 29841
Property Condition Completed
Additional Parcels Y/N false
Lease Considered Y/N true
Virtual Tour https://www.hommati.com/3DTour-AerialVideo/unbranded/12816-Harborwood-Drive-Largo-Fl-33774--HPI75986064 https://www.hommati.com/3DTour-AerialVideo/unbranded/12816-Harborwood-Drive-Largo-Fl-33774--HPI75986064
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Owner
Tax Lot 1
Legal Description KENSINGTON OAKS SUB LOT 1
Water View Gulf/Ocean - Full Intracoastal Waterway
Water Access Type Gulf/Ocean Intracoastal Waterway
Minimum Lease 1-2 Years
Water Access Y/N true
Monthly HOA Amount 70.83
Additional Rooms Bonus Room Family Room Formal Dining Room Separate Formal Living Room Separate Inside Utility Loft
ILS Total SQFT 353
ILS Under Air SQFT 353
Water View Y/N true
Flood Zone Code AE
In Law Suite YN true
In Law Suite Description 1 Bathroom 1 Bedroom Attached No Private Entrance
DockY/N false
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Interior
Interior Amenities Cathedral Ceiling(s) Ceiling Fan(s) Eating Space In Kitchen High Ceilings Kitchen/Family Room Combo Primary Bedroom Main Floor Solid Wood Cabinets Stone Counters Walk-In Closet(s) Window Treatments
Flooring Carpet Tile Travertine Hardwood
Furnished Y/N Negotiable
Fireplace Features Family Room Living Room Wood Burning
Total Stories 2
Air Conditioning Y/N true
Heating Y/N true
Window Features Blinds Drapes
Fireplace Y/N true
Half Baths 1
Laundry Features Inside Laundry Room
Total Bedrooms 4
Total Baths 5
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Exterior
Exterior Amenities Irrigation System Outdoor Grill Private Yard Sidewalk
Vegetation Mature Landscaping Trees/Landscaped Wooded
Fencing Chain Link
Parking Features Garage Door Opener Oversized
Lot Features Cleared Conservation Area Flood Insurance Required FloodZone Landscaped Oversized Lot Sidewalk Sloped
Water Source Public
Lot Size Area 1.3082
Foundation Details Slab
Spa false
Building Area Total 5852
Lot Size Acres 1.31
Road Surface Type Paved Asphalt
Private Pool true
Waterfront Y/N true
Covered Spaces 2
Road Frontage Type Street Paved
Number of Lots 1
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* Excluded Features
List By
HomesbySanders@gmail.com

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Affordability Calculator

$17,956
Per Month
86%
14%
0%
Monthly Principal & Interest
$15,470
Monthly Property Taxes
$2,487
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4827338 Elementary School
4827337 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
7/30/2026$2,450,000 Listed Price

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12816 HARBORWOOD DRIVE, Largo, FL, 33774 is a Single Family Home for sale at $2,450,000 with 4,234 sqft and a lot size of 1.31. 12816 HARBORWOOD DRIVE has 4 bedrooms, 4.1 baths, and was built in 1987. The property's zip code is 33774 which is in Largo, FL