863 BAY BREEZE TERRACE, LARGO, FL, 33770
Active352 days on marketListed Aug 15, 2025MLS #G5100877
About this home
863 BAY BREEZE TERRACE
Price Improvement on Freshly painted POOL HOME with OVERSIZED LOT Newly Updated Pool Deck and large screened in Lanai with epoxy floor including a putt golf for entertainment - 5 minutes to Indian Rocks Beach and Belleair Causeway Boat Ramp. Spacious 3-bedroom, 2-bathroom over 1,725 sq. ft. of living space and large front porch. This home features a primary bedroom, with views of the pool, boasts a spacious walk-in closet with an updated ensuite bath, including a walk-in shower and jetted tub. The kitchen features newly installed stone countertops and backsplash with stainless steel appliances NEW dishwasher, and a pantry. Two more bedrooms and a full bath complete the home in this split floor plan. Additional features include a large oversized 2-car garage with laundry room and NEW water softener. Located in a NON-FLOOD zone, (no storm damage or impact). This home offers the perfect balance of privacy and convenience. 1 mile to Taylor Park and Pinellas Trail, easy access to downtown Largo including Largo Central Park, healthcare facilities, and an easy commute to Clearwater Beach, St. Petersburg, PIE Airport and Tampa International Airport. You’re a breezy drive away from catching your own ocean breeze at Bay Breeze Terrace.*Option to purchase fully furnished. *Short term rentals permitted.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,725
Sqft
0.33 ac
Lot size
2
Garage
1964
Year built
One
Levels
$347
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,339 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,339/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.9%
$/sqft vs Largo actives
$347 vs $240
Days on market
352 vs 42 typical
Where $347/sqft sits among the 400 Largo actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Largo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Largo. See the full Largo guide →
LARGO 33770 — neighborhood snapshot
Population
25,005
Median age
49.3
Median income
$58,071
Median home value
$245,200
Avg household
2.22
Households w/ children
2,227
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Largo market
$340K → $325K
Largo median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
202 of 400
Largo actives have cut their price
Median sold price, Largo, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 163% above the LARGO 33770 median. See the full Largo market guide →
Paper trail
This home's history
Reality check
What actually sold near 863 BAY BREEZE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$510,000
1010 BAY BREEZE TERRACE · same community
4 bd · 2 ba · 1,434 sqft · $356/sqft · 81 DOM
Sold · Jul ’26$400,000
1002 BAY BREEZE TERRACE · same community
2 bd · 2 ba · 1,183 sqft · $338/sqft · 114 DOM
Sold · Aug ’25$327,000
813 HELENA DRIVE · same community
2 bd · 2 ba · 850 sqft · $385/sqft · 115 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 863 BAY BREEZE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 863 BAY BREEZE TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
863 BAY BREEZE TERRACE FAQs
What would the monthly payment be for 863 BAY BREEZE TERRACE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,339/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 863 BAY BREEZE TERRACE?+
The most recent tax bill on record (2024) was $8,668. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Largo?+
At $599,000, this home is listed about 122% above the Largo median of $269,500. The market section on this page shows how the area is trending.
Which schools are assigned to 863 BAY BREEZE TERRACE?+
Largo High School (high), Largo Middle School (middle), Ponce De Leon Elementary School (elementary) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$599,000 runs 163% above the LARGO 33770 median — but at 1,725 sqft it's also 41% larger than the typical Largo listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
352 days on market against a Largo median of 42 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Largo High School, Largo Middle School, Ponce De Leon Elementary School — Ponce De Leon Elementary School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $655,000, now $599,000 — a $56K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HORIZON HOMES REALTY CORP · Soraya Nosrati. MLS #G5100877.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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