$2,450,000
12816 Harborwood Drive
Largo, FL 33774
Listing updated: August 1, 2026 at 6:51 AM ET
Listing courtesy of Homes By Sanders Realty · Mike Sanders · MLS #TB8533580 · Active · 727-409-6929Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
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.
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 history2 days on market
- Status: ActiveJul 30, 2026
- Listed$2,450,000Jul 30, 2026
- Price increased$2,450,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 2
- Subdivision
- Kensington Oaks
- County
- Pinellas
- Year built
- 1987
- Living area
- 4,234 sq ft
- Price/sq ft
- $579
- Building area
- 5,852 sq ft (Public Records)
- Lot size
- 56,985 sq ft
- Lot category
- 1 to less than 2
- Flood zone
- AE (12103C0114H)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $29,841 (2025)
- Parcel #
- 07-30-15-46280-000-0010
- Zoning
- RES
- MLS #
- TB8533580
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 4
- Half bathrooms
- 1
- Flooring
- Carpet, Tile, Travertine, Wood
- Appliances
- Bar Fridge, Dishwasher, Disposal, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer, Wine Refrigerator
- Interior features
- Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Primary Bedroom Main Floor, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s), Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- Two
- Direction faces
- Southeast
- Fireplace
- Yes
- In-law suite
- Yes
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Garage Door Opener, Oversized
HOA & Financial
- HOA fee
- $850 / Annually
- Monthly HOA
- $71/mo
- Total monthly fees
- $71/mo
- Total annual fees
- $850
- HOA name
- Jamie
- CDD
- No
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Will send HOA docs
- Approval process
- PER CURRENT HOA DOCS
Exterior & Construction
- Exterior features
- Outdoor Grill, Private Yard, Sidewalk
- Construction materials
- Block, Brick
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 29x16.2 |
| Living Room | First | 18x19 |
| Dining Room | First | 14x18.6 |
| Kitchen | First | 14.3x21 |
| Family Room | First | 18x18.8 |
| Loft | Second | 13x14.6 |
| Bonus Room | First | 15x18.8 |
| Bedroom 3 | Second | 15.7x11.8 |
| Bedroom 4 | Second | 16x11.8 |
| Balcony/Porch/Lanai | First | 56.8x11.9 |
| Bathroom 3 | First | 7.7x5.9 |
| Bathroom 4 | Second | 10.1x9.1 |
| Bathroom 5 | First | 6x12 |
| Balcony/Porch/Lanai | Second | 16x12 |
| Laundry | First | 8x12 |
Listing Details
- Listing date
- 2026-07-30
- On market date
- 2026-07-30
- Original list price
- $2,450,000
- Occupant type
- Owner
- MLS area
- 33774 - Largo
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-07-30
- Tax legal description
- KENSINGTON OAKS SUB LOT 1
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 RD S TO W ON KENSINGTON OAKS PL TO N ON HARBORWOOD DR
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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 August 1, 2026 at 6:51 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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