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Active · Single Family

12816 HARBORWOOD DRIVE

LARGO, FL 33774

Beds
4 beds
Baths
5 baths
Area
4,234 sqft
Single FamilyBuilt 198756,985 sqft lot2-car garageCentral, ElectricCentral AirPoolFireplace$579/sqft19 days on market

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.

RRENA ValiQRENA ValiQ is an estimated value, blended from public sale comps, neighbourhood trend and this listing’s own metrics. It is a reference, not a guaranteed or asking price. The final number moves on diligence, terms and timing.Estimate

Sample estimate — not an appraisal

$2.62M
+7.0% vs asking
$2.47M low$2.77M high

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
Estimated monthly payment$14,947/mo
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.

DateEventPriceChange
Jul 30, 2026Listed$2,450,000

NeighbourhoodSample data

Reference scores for LARGO, FL. Schools, mobility and amenities feed live data once the dedicated provider connection lands.

Walk Score
68/ 100
Somewhat walkable
Transit Score
78/ 100
Excellent transit
Bike Score
37/ 100
Somewhat bikeable
Elementary school
Not listed
Not named in the MLS record for this home
Middle school
Not listed
Not named in the MLS record for this home
High school
Not listed
Not named in the MLS record for this home

Location

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