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1240 Harbor Lake Dr

Largo, FL 33770

3 beds
2 baths
1,675 sqft
~1/2 acre lot
$414 per sqft
1970 build
– on site

Welcome to 1240 Harbor Lake Drive — an exceptional 3-bedroom, 2-bathroom waterfront home located on a quiet cul-de-sac and situated on an oversized, private .40-acre double lot with 114 feet of seawall along beautiful McKay Creek and was recently appraised on 5/14, providing added confidence that it’s accurately and competitively priced to sell. This canal-front home offers direct access to the Intracoastal Waterway and Gulf of Mexico, making it perfect for boating, kayaking, paddleboarding, and fishing. The serene setting is a true nature lover’s paradise, with regular sightings of manatees, otters, a wide variety of birds, and other local wildlife right in your backyard. Boasting 1,975 total square feet, including a bright 300 sq ft enclosed Florida Room, this residence also features an oversized 2 car garage (520 sq ft) and a circular driveway that easily accommodates six or more vehicles. The home has been extensively updated and is move-in ready with brand-new ceramic tile flooring throughout, fresh interior paint, new baseboards, all new interior and closet doors with updated hardware, and all recently new light fixtures, ceiling fans, and blinds. The fully renovated kitchen includes new shaker-style cabinets with modern hardware, new countertops, a large farm-style sink with new faucet and garbage disposal, and brand-new Whirlpool stainless steel appliances including refrigerator, dishwasher, and range. The bathrooms have been updated with new granite-top vanities, tile floors, and modern fixtures. Additional upgrades include a new Rheem 12-year “smart” water heater, new Maytag washer and dryer, a newly built outdoor deck perfect for entertaining, refreshed landscaping, and recently serviced sliding glass doors and garage door with new rollers. This home is light, bright, and impeccably maintained, offering a peaceful retreat with multiple outdoor seating areas, mature trees, and a brand-new dock for enjoying waterfront living. Located just 10 minutes from world-famous beaches, top golf and tennis clubs, shopping, dining, and convenient access to both Tampa and St. Pete/Clearwater airports. Roof replaced in 2014, A/C 2019, Seawall 2003. This one-of-a-kind property is a rare opportunity to own a piece of Florida paradise.

Listing courtesy of STELLAR_MLS / JOSEPH SULLIVAN REAL ESTATE

Last checked: Checking… • Last updated May 16, 2025 •

MLS# TB8386864 —

The Building

Year Built:

1970
New Construction:

false
Architectural Style:

Traditional
Construction Materials:

Block
Levels:

One
Roof:

Shingle
Foundation Details:

Slab
Patio And Porch Features:

Deck
Building Area Total:

2510
Building Area Units:

Square Feet
Building Area Source:

Public Records

Interior

Interior Features:

Eating Space In Kitchen
Flooring:

Ceramic Tile
Additional Rooms:

Florida Room
Fireplace:

false

Room Dimensions

Living Area:

1675
Living Area Units:

Square Feet
Living Area Source:

Public Records

Location

Directions:

West Bay to Indian Rocks Road, South to Harbor Lake Drive. Turn East (left) on Harbor Lake Dr to end of cul-de-sac. OR Park Blvd to Oakhurst. North on Oakhurst which becomes Indian Rocks Road. Continue north across Ulmerton to Harbor Lake Dr. Turn right.
Latitude:

27.905708
Longitude:

-82.820727
Coordinates:

-82.820727, 27.905708

The Property

Parcel Number:

053015361980000240
Property Type:

Residential
Property Subtype:

Single Family Residence
Property Condition:

Completed
Lot Features:

Cul-De-Sac
Lot Size Acres:

0.4
Lot Size Area:

17520
Lot Size SqFt:

17520
Lot Size Units:

Square Feet
Total Acres:

1/4 to less than 1/2
Zoning:

SINGLE FAMILY HOME
Direction Faces:

South
View:

Water
View:

true
Exterior Features:

Irrigation System
Fencing:

Fenced
Vegetation:

Mature Landscaping
Water Source:

Public
Road Surface Type:

Paved
Road Frontage Type:

Street Paved
Flood Zone Code:

AE
Additional Parcels:

false
Homestead:

true
Lease Restrictions:

false
Land Lease:

false

Listing Agent

Contact info:

Taxes

Tax Year:

2024
Tax Lot:

24
Tax Legal Description:

HARBOR LAKE ESTATES 1ST ADD LOT 24
Tax Book Number:

63/
Tax Annual Amount:

$7,467

Beds

Bedrooms Total:

3

Baths

Total Baths:

2
Total Baths:

2
Full Baths:

2

The Listing

Special Listing Conditions:

None

Heating & Cooling

Heating:

Central
Heating:

true
Cooling:

Central Air
Cooling:

true

Utilities

Utilities:

Phone Available
Sewer:

Public Sewer

Appliances

Appliances:

Microwave
Laundry Features:

Electric Dryer Hookup

Schools

Elementary School:

Ridgecrest Elementary-PN
Middle Or Junior School:

Largo Middle-PN
High School:

Largo High-PN

The Community

Subdivision Name:

HARBOR LAKE ESTATES 1ST ADD
Senior Community:

false
Waterview:

Creek
Waterview:

true
Water Access:

Gulf/Ocean to Bay
Water Access:

true
Water Extras:

No Wake Zone
Water Body Name:

MCKAY CREEK
Waterfront:

true
Waterfront Features:

Creek
Spa:

false
Pool Private:

false
Association:

false
Ownership:

Fee Simple
Waterfront Feet Total:

114

Parking

Garage:

true
Attached Garage:

true
Garage Spaces:

2
Garage Dimensions:

25x21
Carport:

false
Covered Spaces:

2

Monthly cost estimate

Asking price

$695,000

Expense	Monthly cost
Mortgage	$3,721
Taxes	$622
Insurance	$191
Utilities	$191 See report
Total	$4,725/mo.^*
	^*This is an estimate

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Sale history

Date	Event	Source	Price	% Change
5/15/25 May 15, 2025	Listed / Active	STELLAR_MLS	$695,000	56.2% (11.7% / YR)
4/12/24 Apr 12, 2024	Price Changed	STELLAR_MLS
1/26/24 Jan 26, 2024	Listed / Active	STELLAR_MLS

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This house located in Largo, FL 33770 is currently for sale for $695,000. 1240 Harbor Lake Dr is a 1,675 square foot house with 3 beds and 2 baths that has been on Estately for 1 days. This house is in the attendance area of Largo High School, Ridgecrest Elementary School, and Largo Middle School.

Listing Courtesy of: STELLAR_MLS and JOSEPH SULLIVAN REAL ESTATE.

Based on information from the My Florida Regional MLS DBA Stellar MLS 2025.

All information provided is deemed reliable but is not guaranteed and should be independently verified. Stellar MLS, Estately and their affiliates provide the MLS and all content therein “AS IS” and without any warranty, express or implied. The information included in this listing 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. The information on each listing is furnished by the owner and deemed reliable to the best of his/her knowledge, but should be verified by the purchaser. Stellar MLS and Estately assume no responsibility for typographical errors, misprints or misinformation. This property is offered without respect to any protected classes in accordance with the law. For any questions please call (407) 499-8911.