12816 HARBORWOOD DRIVE
LARGO, FL 33774
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.
Facts & features
Interior
- Bedrooms
- 4
- Bathrooms
- 5
- Living area
- 4,234 sqft
- Heating
- Central, Electric
- Cooling
- Central Air
- Flooring
- Carpet, Tile, Travertine, Wood
- Fireplace
- Yes
- Stories
- 2
- Features
- Cathedral Ceiling(s), Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Primary Bedroom Main Floor…
- Appliances
- Bar Fridge, Dishwasher, Disposal, Dryer, Microwave, Range…
Exterior & lot
- Lot size
- 56,985 sqft (1.31 ac)
- Pool
- Yes
- Waterfront
- Yes
- Roof
- Shingle
- Construction
- Block, Brick
- Exterior
- Outdoor Grill, Private Yard, Sidewalk
Parking
- Garage
- 2 spaces
Financial
- HOA dues
- $850 / annually
- Annual tax
- $29,841 (2025)
- Price / sqft
- $579/sqft
Utilities
- Water
- Public
- Sewer
- Public Sewer
- Utilities
- Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Property
- Property type
- Single Family
- Year built
- 1987
- Subdivision
- KENSINGTON OAKS
- County
- Pinellas
Listing
- Status
- Active
- Days on market
- 2 days
- MLS #
- MFR801229382
- Source
- Stellar MLS
Listed by Mike Sanders · HOMES BY SANDERS REALTY
Listing data provided by Stellar MLS. Information deemed reliable but not guaranteed.
Sample estimate — not an appraisal
Based on 22 comparable sales within 3 miles of LARGO, FL, this home is priced under RENA ValiQ.
Reference only. Estimates blend public sale comps, neighbourhood trend and the listing’s own metrics. Final price moves on diligence, terms and timing — RENA is your second read, not your agent.
Estimate your monthly cost
PITI + HOA- Principal & interest
- $12,389/mo
- Property tax
- $2,487/mo
- Home insurance
- $0/mo
- HOA dues
- $71/mo
Opens at 20% down over 30 years at 6.5%, the same assumptions as the answers below. Property tax is this listing's own bill; insurance is left out until you enter a quote, because Florida premiums turn on roof age, elevation and carrier. Every field is editable.
Ask about this property
Answered from this listing’s own figures and the sales around it.
Price history
From the property’s MLS record.
| Date | Event | Price | Change |
|---|---|---|---|
| Jul 30, 2026 | Listed | $2,450,000 | — |
NeighbourhoodSample data
Reference scores for LARGO, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.
Location
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