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For sale
    • $2,450,000

    12816 HARBORWOOD DRIVE, LARGO, FL 33774

    4beds
    4,234sqft
    : 
    $15,849/mo
    Get pre-qualified
    Single Family Residence
    Built in 1987
    1.31 Acres Lot
    $-- Zestimate®
    $579/sqft
    $71/mo HOA

    What's special

    Versatile loft with balconyBreathtaking panoramic water viewsLush manicured groundsSoaring ceilingsSpa-inspired bathLuxurious first-floor primary suiteRich wood flooring
    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.
    3 days
    |
    352
    |
    17
    |

    Likely to sell faster than

    Zillow last checked:

    Listing updated:

    Listed by:

    Mike Sanders 727-409-8000,

    HOMES BY SANDERS REALTY 727-409-6929,

    Jessyca Sanders 727-409-6929,

    HOMES BY SANDERS REALTY

    Source: Stellar MLS,MLS#: TB8533580MLS LogoOriginating MLS: Suncoast Tampa

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 5
      • Full bathrooms: 4
      • 1/2 bathrooms: 1
      Rooms
      • Room types: Bonus Room, Family Room, Dining Room, Living Room, Utility Room, Loft
      Primary bedroom
      • Features: Bath With Whirlpool, Ceiling Fan(s), Dual Sinks, En Suite Bathroom, Granite Counters, Makeup/Vanity Space, Tub with Separate Shower Stall, Walk-In Closet(s)
      • Level: First
      • Area: 469.8 Square Feet
      • Dimensions: 29x16.2
      Bedroom 3
      • Features: Ceiling Fan(s), Built-in Closet
      • Level: Second
      • Area: 185.26 Square Feet
      • Dimensions: 15.7x11.8
      Bedroom 4
      • Features: Ceiling Fan(s), Built-in Closet
      • Level: Second
      • Area: 188.8 Square Feet
      • Dimensions: 16x11.8
      Bathroom 3
      • Features: No Closet
      • Level: First
      • Area: 45.43 Square Feet
      • Dimensions: 7.7x5.9
      Bathroom 4
      • Features: Dual Sinks, Shower No Tub, No Closet
      • Level: Second
      • Area: 91.91 Square Feet
      • Dimensions: 10.1x9.1
      Bathroom 5
      • Features: Shower No Tub, No Closet
      • Level: First
      • Area: 72 Square Feet
      • Dimensions: 6x12
      Balcony porch lanai
      • Features: Ceiling Fan(s), No Closet
      • Level: First
      • Area: 675.92 Square Feet
      • Dimensions: 56.8x11.9
      Balcony porch lanai
      • Features: No Closet
      • Level: Second
      • Area: 192 Square Feet
      • Dimensions: 16x12
      Bonus room
      • Features: Ceiling Fan(s), En Suite Bathroom, Wet Bar, No Closet
      • Level: First
      • Area: 282 Square Feet
      • Dimensions: 15x18.8
      Dining room
      • Features: Built-In Shelving, No Closet
      • Level: First
      • Area: 260.4 Square Feet
      • Dimensions: 14x18.6
      Family room
      • Features: Ceiling Fan(s), No Closet
      • Level: First
      • Area: 338.4 Square Feet
      • Dimensions: 18x18.8
      Kitchen
      • Features: Breakfast Bar, Exhaust Fan, Granite Counters, Kitchen Island, Pantry, No Closet
      • Level: First
      • Area: 300.3 Square Feet
      • Dimensions: 14.3x21
      Laundry
      • Features: Built-in Closet
      • Level: First
      • Area: 96 Square Feet
      • Dimensions: 8x12
      Living room
      • Features: Ceiling Fan(s), No Closet
      • Level: First
      • Area: 342 Square Feet
      • Dimensions: 18x19
      Loft
      • Features: No Closet
      • Level: Second
      • Area: 189.8 Square Feet
      • Dimensions: 13x14.6
      Heating
      • Central, Electric
      Cooling
      • Central Air
      Appliances
      • Included: Bar Fridge, Dishwasher, Disposal, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer, Wine Refrigerator
      • Laundry: Inside, Laundry Room
      Features
      • Cathedral Ceiling(s), Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Primary Bedroom Main Floor, Solid Wood Cabinets, Stone Counters, Walk-In Closet(s)
      • Flooring: Carpet, Tile, Travertine, Hardwood
      • Doors: Outdoor Grill
      • Windows: Window Treatments
      • Has fireplace: Yes
      • Fireplace features: Family Room, Living Room, Wood Burning
      Interior area
      • Total structure area: 5,852
      • Total interior livable area: 4,234 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage Door Opener, Oversized
      • Attached garage spaces: 2
      • Details: Garage Dimensions: 23x26
      Features
      • Levels: Two
      • Stories: 2
      • Patio & porch: Covered, Rear Porch, Screened
      • Exterior features: Irrigation System, Outdoor Grill, Private Yard, Sidewalk
      • Has private pool: Yes
      • Pool features: Auto Cleaner, Gunite, In Ground, Lighting, Outside Bath Access, Pool Sweep
      • Fencing: Chain Link
      • Has view: Yes
      • View description: Trees/Woods, Water, Gulf/Ocean - Full, Intracoastal Waterway
      • Has water view: Yes
      • Water view: Water,Gulf/Ocean - Full,Intracoastal Waterway
      • Waterfront features: Intracoastal Waterway, Gulf/Ocean Access, Intracoastal Waterway Access
      • Body of water: GULF OF AMERICA INTRACOASTAL
      Lot
      • Size: 1.31 Acres
      • Features: Cleared, Conservation Area, Flood Insurance Required, FloodZone, Landscaped, Oversized Lot, Sidewalk, Sloped
      • Residential vegetation: Mature Landscaping, Trees/Landscaped, Wooded
      Details
      • Parcel number: 073015462800000010
      • Zoning: RES
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Architectural style: Cape Cod,Coastal
      • Property subtype: Single Family Residence
      Materials
      • Block, Brick
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • Completed
      • New construction: No
      • Year built: 1987

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Connected, Electricity Connected, Sewer Connected, Street Lights, Water Connected

      Community & HOA

      Community
      • Features: Deed Restrictions
      • Security: Closed Circuit Camera(s), Security System, Smoke Detector(s)
      • Pet fee: $0 monthly
      • Subdivision: KENSINGTON OAKS
      HOA
      • Has HOA: Yes
      • Services included: Manager
      • HOA fee: $71 monthly
      • HOA name: Jamie
      • HOA phone: 727-817-1415
      Location
      • Region: Largo

      Financial & listing details

      • Price per square foot: $579/sqft
      • Tax assessed value: $1,873,530
      • Annual tax amount: $29,841
      • Date on market: 7/30/2026
      • Cumulative days on market: 4 days
      • Listing terms: Cash,Conventional
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Paved, Asphalt

        Estimated market value

        Not available

        Estimated sales range

        Not available

        Not available

        Price history

        DateEventPrice
        7/30/2026Listed for sale$2,450,000+153.9%$579/sqft
        Source: Stellar MLS #TB8533580 Report a problem
        8/1/2017Sold$965,000-3.5%$228/sqft
        Source: Public Record Report a problem
        5/2/2017Price change$999,999-16.6%$236/sqft
        Source: COASTAL PROPERTIES GROUP #U7799618 Report a problem
        12/5/2016Listed for sale$1,199,000+36.8%$283/sqft
        Source: COASTAL PROPERTIES GROUP #U7799618 Report a problem
        8/4/2003Sold$876,500$207/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$29,841 +14.6%$1,421,974 +10%
        2024$26,036 +4%$1,292,704 +10%
        2023$25,035 +2.8%$1,175,185 +10%
        2022$24,347 +25.7%$1,068,350 +10%
        2021$19,373 +2.1%$971,227 +3.7%
        2020$18,969 +8.2%$936,674 +9.1%
        2019$17,534 $858,598 -0.4%
        2018$17,534 -1.7%$861,709 +24.7%
        2017$17,839 +34.1%$690,962 +2.1%
        2016$13,305 -1.4%$676,750 +0.7%
        2015$13,498 +1.3%$672,046 +0.8%
        2014$13,331 +0.4%$666,712 +1.5%
        2013$13,282 +2.8%$656,859 +1.7%
        2012$12,914 $645,879 +3%
        2011-- $627,067 -1.3%
        2010-- $635,228 -11.8%
        2009-- $720,094 -16.9%
        2008$16,114 $867,000 -15.9%
        2007-- $1,030,800 +24.3%
        2005-- $829,400 +7.1%
        2004$17,009 +49.8%$774,300 +12.9%
        2003$11,351 +4.7%$686,000 +12%
        2002$10,846 $612,500 -4.1%
        2001$10,846 +3.6%$638,800 +16.8%
        2000$10,464 $547,100
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

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        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 33774

        Getting around

        38 / 100
        Car-Dependent
        25 / 100
        Some Transit
        46 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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