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3966 HIGH BLUFF DRIVE, LARGO, 33770

$689,000

4

Beds

3

Baths

1,746 ft2

Property Size

1959

Year Built

About The Property

Welcome to 3966 High Bluff Drive, a beautifully updated four-bedroom, three-bathroom saltwater pool home in the highly desirable, deed-restricted Harbor Hills community of Largo. Ideally located just minutes from the Gulf beaches yet positioned high and dry with no flood insurance required and no risk of flooding, this property offers the rare combination of coastal convenience and true peace of mind. Enjoy the flexibility of a property that is eligible for short-term rentals, ideal for both personal enjoyment and income generation. Situated on a premium corner lot along a quiet interior street, the home delivers standout curb appeal with lush landscaping, a covered front porch, and an attractive paver driveway and walkway that create a warm and inviting first impression. Inside, the open-concept layout is designed for effortless everyday living and entertaining, featuring bamboo flooring throughout the main living areas and classic terrazzo floors in the bedrooms for durability and charm. Natural light fills the home, complemented by plantation shutters, updated ceiling fans, and contemporary lighting that enhance the relaxed Florida aesthetic. The kitchen is both functional and stylish, showcasing expansive granite countertops, abundant cabinetry, stainless steel appliances, an induction range, and a large island with additional storage and seating for up to five. It flows seamlessly into the dining and living areas, keeping gatherings connected and comfortable. The bedrooms are thoughtfully positioned toward the rear of the home for added privacy, offering generous space and flexibility. The primary suite serves as a true retreat with direct access to the pool and an ensuite bath featuring an oversized walk-in shower with crisp white tile and pebble accents. A recently renovated secondary bathroom brings spa-like appeal with contemporary finishes, an open shower design, and a freestanding soaking tub. The laundry room is conveniently located just off the kitchen with direct access from the pool area, making post-swim clean-up simple and practical. Outdoors, the private backyard oasis centers around a sparkling saltwater pool surrounded by pavers and enclosed within a screened lanai for year-round enjoyment. Beyond the pool, additional paver space, lush landscaping, and newer vinyl fencing create a private and versatile setting perfect for entertaining or relaxing in the Florida sunshine. Located near Belleair and just minutes to Indian Rocks Beach, Clearwater Beach, Sand Key, and Belleair Beach, this home places you close to world-class beaches, dining, shopping, and entertainment. Recent improvements add tremendous value and peace of mind, including a new roof, soffits, fascia, and exterior downlighting in 2023; HVAC with UV filtration in 2024; updated plumbing and electrical in 2024; bathroom remodels in 2021; and a water heater installed in 2017. With a low HOA fee of just $100 per year, 3966 High Bluff Drive offers exceptional quality, location, and lifestyle in one of Largo’s most sought-after neighborhoods.

Property Details

Property Id: 190541
Price: $689,000
Property Size: 1,746 ft2
Property Lot Size: 0 ft2
Rooms: 3
Bedrooms: 4
Bathrooms: 3
ArchitecturalStyle: Ranch
AssociationFee: 100
AssociationFeeFrequency: Annually
BathroomsFull: 3
BuildingAreaTotal: 2366
ConstructionMaterials: Block, Stucco
Cooling: Central Air
CoveredSpaces: 2
CumulativeDaysOnMarket: 179
DaysOnMarket: 179
DirectionFaces: West
Directions: From 130th Ave N/Wilcox Rd Turn right onto 128th St/Pine St Turn left onto Dryer Ave Turn right onto Indian Rocks Rd Turn left onto High Bluff Dr
Flooring: Terrazzo, Hardwood
Furnished: Unfurnished
GarageSpaces: 2
Heating: Central
InternetAddressDisplayYN: 1
InternetAutomatedValuationDisplayYN: 1
InternetConsumerCommentYN: 1
InternetEntireListingDisplayYN: 1
LaundryFeatures: In Kitchen, Laundry Room
Levels: One
ListAOR: Suncoast Tampa
ListAgentFullName: Clay Glover, Jr
ListOfficeName: RE/MAX ACTION FIRST OF FLORIDA
ListingContractDate: 2026-01-16
ListingId: TB8466262
ListingTerms: Cash, Conventional, VA Loan
LivingAreaSource: Public Records
LivingAreaUnits: Square Feet
LotFeatures: Cleared, In County, Landscaped, Level
LotSizeArea: 8455
LotSizeDimensions: 90 x 100
LotSizeSquareFeet: 8455
LotSizeUnits: Square Feet
MLSAreaMajor: 33770 - Largo/Belleair Bluffs
MlsStatus: Active
ModificationTimestamp: August 4, 2026 at 05:21pm
OnMarketDate: 2026-01-30
OriginalListPrice: 699000
OriginatingSystemName: Stellar MLS
Ownership: Fee Simple
ParkingFeatures: Driveway, Garage Door Opener
PatioAndPorchFeatures: Patio, Porch
PetsAllowed: No
PhotosChangeTimestamp: April 23, 2026 at 07:16pm
PhotosCount: 40
PoolFeatures: In Ground, Salt Water
PostalCode: 33770
Roof: Shingle
Sewer: Public Sewer
SpecialListingConditions: None
StateOrProvince: FL
StoriesTotal: 1
StreetName: HIGH BLUFF
StreetNumber: 3966
StreetSuffix: DRIVE
Utilities: Electricity Connected, Sewer Connected, Water Connected
View: Pool
WaterSource: Public
YearBuilt: 1959
Zoning: R-3

Amenities and Features

Outdoor Details
Garage Attached
Other Features
1
Ceiling Fan(s)
Dishwasher
Disposal
Electric Water Heater
Has a View
Has Cooling System
Has Garage
Has Heating System
Has Pool
Home Owners Association
Microwave
Open Parking
Private Mailbox
Range
Refrigerator

Map Location

Property Map

Mortgage Calculator

Payment Calculator

$3,532.64
per month
  • Principal and Interest
  • Property Tax
  • HOA fee
  • Private Mortgage Insurance
$ 2,671.39

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Disclaimer

Property ID - | 190541

All listings featuring the Stellar MLS logo are provided by My Florida Regional MLS DBA Stellar MLS. This information is not verified for authenticity or accuracy and is not guaranteed. Information is provided exclusively for consumers’ personal, non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and that the data is deemed reliable but is not guaranteed accurate by MLS.

©2025 My Florida Regional MLS DBA Stellar MLS. All rights reserved.

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Selinda Moore