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204 POINCIANA LANE

Largo, FL, 33770

Active Under Contract

$2,095,000

5

Bedrooms

3

Bathrooms

3,257 sqft

Living Area

1968

Year Built

10,559

Lot Size (sqft)

$420

HOA / Annually

0

Days on Market

Dock Score™

DockOnly
12
Limited

What shaped this score

Dock present
private dock
·Waterfront

DockOnly.com rating, not provided by the MLS or listing broker.

Dock & Water AccessMLS

Intracoastal Waterway📝 12K-lb boat lift

AI Aerial Imagery Detection

Dock Detected

Detected by AI from open-source aerial mapping imagery and may not reflect current conditions. This information was not provided by the MLS or listing broker. Always verify dock infrastructure with the listing agent.

Navigation RouteDockOnly

Data sources: SFWMD AHED waterway polygons · FHWA National Bridge Inventory 2024 · Not provided by the MLS or listing broker.

Description

Under contract-accepting backup offers. Welcome to waterfront living in the quiet avenues and impeccably manicured estates of Harbor Bluffs. This beautifully kept 5 br/3ba residence spans over 3,200sf of meticulously maintained living space on a west-facing canal, offering water views from virtually every vantage point. Inside, soaring ceilings and an extra-wide staircase make a statement upon entry. The generous, light filled, flexible open floor plan features multiple split-bedroom configurations, effortlessly adapting to your lifestyle. Designed for entertaining and multigenerational living, it provides abundant room for family and guests. A versatile fifth bedroom stands ready to transform into an office, fitness studio, or nursery. The patio terrace is complete with retractable awnings and a conversation pool to relax and watch dolphins play. A private dock with a 12,000-lb lift is your invitation to the Gulf, mere minutes away. Or, enjoy the Harbor Bluffs Park, just one block away, for neighborhood gatherings. Upstairs, the 2nd-story co-primary suite terrace is your vantage point for morning espresso, twilight cocktails, and front-row seats to Florida's legendary western sunsets. Freshly painted and thoughtfully curated, the home has been meticulously kept and maintened. Improvements include a new roof (2020), HVAC's (2023), and smart kitchen appliances (2022) featuring an oven with air-fryer technology, and craft-ice freezer. Premium impact-rated windows, an integrated whole-home central vacuum system, and custom architectural pavers (2021). The true brilliance of this property lies in its sheer versatility: as a multigenerational home, or secondary waterfront retreat. Positioned securely on the mainland in Harbor Bluffs, you enjoy the absolute best of both worlds - a quintessential waterfront lifestyle entirely detached from beach traffic and bridge delays. Located just blocks from Belleair's premier restaurants, boutiques, country clubs, and championship golf courses. Publix & Walgreens are a minute golf cart drive, while top-tier regional hospitals, international airports, and the white sands of Belleair and Clearwater beaches remain effortlessly within reach. Come for the sunsets, stay for the boating, and immerse yourself in the luxury lifestyle of Harbor Bluffs.

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Location

Largo, FL, 33770

No price history available for this property.

Displayed by Blue Mar Real Estate Group Inc., Licensed Florida Real Estate Broker (DBPR CQ1018554) · [email protected]

Listing courtesy of KELLER WILLIAMS REALTY PORTFOLIO COLLECTION via Stellar MLS

Last checked: 8 hours ago

Listing updated: September 7, 2026

© 2026 Stellar MLS. All rights reserved. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of Stellar MLS. Information is deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change, or withdrawal.

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FEMA Flood Zone AE
BFE: 9ft

Special Flood Hazard Area

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Estimate your monthly payment for this waterfront property

20%

$419,000 down

%
Principal & Interest$10,871/mo
Property Tax (est. ~1.2%, varies by county)$2,095/mo
Home Insurance (est.)$250/mo
HOA Fees$35/mo
Total Monthly Payment$13,251
Loan Amount: $1,676,000Rate: 6.75%
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$2,095,000Tour the dockSchedule a Showing
Navigation note: Navigation routes show the shortest mapped path to open water. A vessel taller than the binding bridge clearance may still reach open water via a longer alternate route that we don't currently map. Verify navigability with a local captain or surveyor before relying on it.