About This Home

This 5-bedroom, 3-bathroom single family at 204 POINCIANA Lane in Largo, FL is listed for $2,095,000 ($643 per sqft). Built in 1968, the home offers 3,257 sqft of living space on a 0.24 acres lot.

Key Features

  • Built in 1968
  • 0.24 acre lot
  • 2 stories
  • Private pool
  • Waterfront

Property Details

2 stories
3 full
2-car garage
1968

Amenities

PoolWaterfrontViewA/C
Listing 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.

Monthly Cost Estimate

$11,205/mo

20% down · 6.5% · 30 years

Principal$1,515
Interest$9,078
Insurance$611

Estimates only. Actual payments may vary.

Location

204 POINCIANA Lane

Largo, FL 33770

HARBOR BLUFFS SEC 5

Features & Amenities

Interior Features

Ceiling Fans(s)Crown MoldingEat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorPrimaryBedroom UpstairsSolid Wood CabinetsSplit BedroomStone CountersThermostatWalk-In Closet(s)

Exterior Features

BalconyLighting

Property Details

Flooring

CarpetTile - Ceramic

Construction

Block Stucco

Views

Water

Pool Features

Pool

Outdoor Features

Deck

Parking

Driveway

Heating

Electric (Heating)

Cooling

Central Air

Appliances

Convection OvenDishwasherDryerMicrowaveRefrigeratorWasher

Questions & Answers

This 5-bedroom, 3-bathroom single family at 204 POINCIANA Lane is listed at $2,095,000 ($643/sqft). The estimated monthly payment is $11,204 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1968, 0.24 acre lot, 2 stories, Private pool, Waterfront. Interior Features: Ceiling Fans(s), Crown Molding, Eat-in Kitchen. Exterior Features: Balcony, Lighting.

This property is listed by Heidi Joy PA.

HP

Heidi Joy PA

Agent at Keller Williams Gulfside

Listed by Keller Williams Gulfside · Broker phone: (727) 489-0800 · View on Broker Site · Broker website

MLS# TB8541809· Source: Stellar MLS· 71 days on PropertySimple

Copyright © 2026 Stellar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

204 POINCIANA Lane, Largo, FL 33770

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