$339,900
11440 Harbor Way
Largo, FL 33774
Listing updated: May 28, 2026 at 9:49 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Experience resort-style living at its finest in this expansive 1,200 sq ft ground-floor condo located within the highly sought-after Shipwatch Yacht & Tennis Club. Thoughtfully updated in March 2023, this residence blends modern upgrades with effortless coastal living in a lush, gated waterfront community. The recent kitchen renovation includes white cabinetry, quartz countertops, stainless steel appliances, and a built-in wine and liquor station, complemented by a pantry for organized storage. The spacious primary suite features a spa-inspired ensuite bath with a luxurious 5’ x 4’ walk-in shower and stylish dual-sink vanity. Everyday convenience is enhanced by a full-size washer and dryer located within the unit, along with a large exterior storage room ideal for beach gear, bikes, and outdoor equipment. Relax or entertain on the private patio with new composite decking and a rear lawn with pond fountain views and the surrounding community as your backdrop. Shipwatch Yacht & Tennis Club spans 56 beautifully landscaped acres along the Intracoastal Waterway and offers an exceptional amenity package, including a marina, various ponds and spring-fed lakes filled with abundant wildlife, two swimming pools (one heated), a hot tub, fitness room, scenic walking trails, BBQ areas, and 13 tennis courts, including 11 professional-caliber courts. Other highlights include a pro shop with lessons and massage services, pickleball, shuffleboard, courtesy officers, and on-site property management and maintenance. This two-story condo community has no pending Milestone issues, benefits from fully funded reserves, and offers some of the lowest condo fees among the multiple associations due to strong management. Enjoy assigned covered parking steps away from your front door as well as nearby parking for your guests. Ideally located just a short walk over the bridge to the Gulf of Mexico, this condo offers quick access to pristine beaches, popular restaurants, and lively entertainment options. Don’t miss this opportunity to own a beautifully updated residence in one of the area’s most amenity-rich waterfront communities. Schedule your private tour today!
Local Insight
At $283/sqft for a waterfront unit with direct water access in Largo, this is priced competitively for the market, though the 1985 build means you'll want a thorough inspection on the roof, HVAC, and plumbing—common failure points on properties this age. The no-HOA structure is a genuine advantage that saves you monthly fees, but being waterfront without flood insurance requirements (Zone X) is unusual and worth verifying with your insurance agent before committing. The 0.79-acre lot is substantial for a condo in Florida, giving you more breathing room, though you should confirm what portion is actually buildable versus common area.
AI-generated insight based on listing data and neighborhood context. Verify independently.
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 history120 days on market
- Status: ActiveJan 28, 2026
- Listed$379,900Jan 28, 2026
- Price reduced$339,900
Facts & features
- Property type
- Residential
- Sub type
- Condominium
- Status
- Active
- Days on market
- 120
- Subdivision
- Shipwatch
- County
- Pinellas
- Year built
- 1985
- Living area
- 1,200 sq ft
- Price/sq ft
- $283
- Lot size
- 34,561 sq ft
- Flood zone
- X
- Annual taxes
- $2,804 (2024)
- Parcel #
- 13-30-14-81168-002-5013
- MLS #
- TB8469980
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Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Luxury Vinyl
- Appliances
- Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Refrigerator, Washer
- Interior features
- Built-in Features, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Stone Counters, Walk-In Closet(s), Window Treatments
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- Northwest
Heating & Cooling
- Heating
- Electric, Heat Pump
- Cooling
- Central Air
Parking
- Carport
- Yes
HOA & Financial
- Total monthly fees
- $763/mo
- Total annual fees
- $9,156
- HOA name
- www.resourcepropertymgmt.com
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 3 Months
- Listing terms
- Cash, Conventional
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- See Condo Docs
- Approval process
- See Condo Docs
Exterior & Construction
- Exterior features
- Sliding Doors, Storage, Tennis Court(s)
- Construction materials
- Stucco
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt, Concrete
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Dogs OK
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 9x12 |
| Dining Room | First | 13x9 |
| Living Room | First | 13x15 |
| Florida Room | First | 13x13 |
| Foyer | First | 6x6 |
| Primary Bedroom | First | 13x12 |
| Bedroom 2 | First | 11x14 |
Listing Details
- Listing date
- 2026-01-28
- On market date
- 2026-01-28
- Original list price
- $379,900
- Occupant type
- Owner
- MLS area
- 33774 - Largo
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-01-28
- Tax legal description
- SHIPWATCH FIVE CONDO PHASE 1 BLDG 2, UNIT 5013
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Walsingham to Shipwatch Entrance. Go thru guard gate on Shipwatch drive and follow signs to 11440 Harbor Way, Unit 5103
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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 May 28, 2026 at 9:49 AM 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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