$899,000
1698 Mckay Creek Drive
Largo, FL 33770
Listing updated: June 7, 2026 at 2:25 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Under contract-accepting backup offers. JUST REDUCED! GREAT PRICE FOR WATERFRONT LIVING IN PRESTIGIOUS HARBOR HILLS!!! Welcome to this stunning 3-bedroom, 3-bath waterfront retreat with a 2-car garage, perfectly situated in the highly desired Harbor Hills neighborhood—known for its peaceful setting, pride of ownership, and true Florida waterfront lifestyle. From the moment you arrive, you’ll be impressed by the circular driveway and professionally landscaped grounds, creating both curb appeal and convenience for guests. Step inside to a contemporary, open-concept design filled with natural light and beautiful water views from the living room, kitchen, and primary bedroom. The open kitchen is ideal for entertaining, seamlessly connecting to the main living areas and offering stunning waterfront scenery while you cook or gather with family and friends. Tile flooring throughout the main living areas enhances the clean, modern feel, with carpeted bedrooms providing comfort and warmth. Designed for both relaxation and entertaining, the outdoor living space features a spa—ready for year-round enjoyment with the addition of a heater—creating your own private oasis. Whether hosting sunset gatherings or enjoying quiet mornings, this home offers a serene and tranquil waterfront escape. A true standout feature is the covered dock with boat lift, have a friend who wants to come by boat, no worries, there is an extra wet slip for them to dock at! This is an increasingly rare find—allowing you to boat directly from your backyard to favorite waterfront restaurants, local attractions, and open water adventures. Located just minutes from shopping, dining, and some of the area’s most beautiful beaches, Harbor Hills offers a unique combination of quiet residential charm and unbeatable convenience. This is Florida waterfront living at its finest—perfect as a full-time residence or luxury retreat as AIRBNB is allowed. Full hurricane protection and no damage in prior hurricanes. Homes like this, in this location, rarely become available.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history170 days on market
- Status: PendingJun 7, 2026
- Listed$939,000Dec 19, 2025
- Price reduced$899,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Pending
- Days on market
- 170
- Subdivision
- Harbor Hills 1st Add
- County
- Pinellas
- Year built
- 1972
- Living area
- 1,702 sq ft
- Price/sq ft
- $528
- Building area
- 2,220 sq ft (Public Records)
- Lot size
- 7,623 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- AE (12103C0114H)
- Garage
- 2 spaces
- Annual taxes
- $4,588 (2025)
- Parcel #
- 05-30-15-36000-010-0630
- Zoning
- R-3
- MLS #
- TB8457676
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener, Wine Refrigerator
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, High Ceilings, PrimaryBedroom Upstairs
- Laundry
- In Garage
- Stories / Levels
- Two
- Direction faces
- East
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air, Mini-Split Unit(s)
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $100 / Annually
- Monthly HOA
- $8/mo
- Total monthly fees
- $8/mo
- Total annual fees
- $100
- HOA name
- Ed Chesney
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- No Minimum
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- It is Airbnb eligible if buyer desires.
Exterior & Construction
- Exterior features
- Hurricane Shutters, Private Mailbox, Sliding Doors
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Electricity Available, Public
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 9x13 |
| Living Room | First | 16x17 |
| Bedroom 1 | First | 12x12 |
| Primary Bedroom | Second | 14x15 |
| Bedroom 2 | Second | 12x15 |
| Dining Room | First | 7x13 |
Listing Details
- Listing date
- 2025-12-18
- On market date
- 2025-12-19
- Original list price
- $939,000
- Occupant type
- Vacant
- MLS area
- 33770 - Largo/Belleair Bluffs
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-06-07
- Tax legal description
- HARBOR HILLS 1ST ADD BLK J, LOT 63
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Indian Rocks Road, Head west on Avacado Road, turn left on Harbor Hills Drive and Left of McKay Creek Drive - Property on the Right
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of June 7, 2026 at 2:25 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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