3838 MCKAY CREEK DRIVE, Largo, FL 33770

• 4 beds |
• 3 baths |
• 1,808 sqft

Property Description

WATERFRONT LIVING – NO FLOOD INSURANCE REQUIRED. NO FLOODING FROM HURRICANE HELENE OR MILTON. Experience the best of Florida waterfront living in this fully renovated 4-bedroom, 3-bath home with a 2-car garage, located in the highly sought-after Harbor Hills neighborhood. Set high and dry on a 0.27-acre waterfront lot, this home offers both peace of mind and an exceptional coastal lifestyle. Harbor Hills is known for its quiet streets, privacy, and pride of ownership—perfect for those who want waterfront living without the congestion of a beachside location. The home welcomes you with a circular driveway and beautifully landscaped grounds. Inside, renovations include luxury vinyl plank flooring throughout, recessed lighting, and ceiling fans. The updated kitchen features cabinetry, countertops, stainless steel appliances, and a modern backsplash, creating an inviting space for entertaining after a day on the water. The owner’s suite offers a walk-in closet and private ensuite bath. Two additional bedrooms share a Jack-and-Jill bathroom, while the fourth bedroom is located near a third full bath, ideal for guests or multigenerational living. Outdoor living is a true highlight, featuring a screened lanai overlooking the pool—perfect for relaxing, hosting gatherings, or enjoying Florida’s indoor-outdoor lifestyle year-round. The pool provides a private retreat after a day on the boat or at the beach and offers plenty of deck space for lounging in the sun. A fully fenced backyard extends from the pool area directly to the waterfront, where you can unwind and watch manatees and wildlife pass by. Enjoy effortless boating and paddling from your backyard. Pilings are already in place with space to install a boat lift, making it easy to take the boat out for evening cruises, weekend waterfront lunches, or sunset rides. Calm waters are ideal for paddleboarding and kayaking, offering daily opportunities to embrace the Florida lifestyle. Major updates include a roof, fully renovated kitchen and bathrooms, luxury vinyl plank flooring throughout, updated lighting and fans, water heater, plumbing relining, whole-house water softener and filtration system, pool filter and motor, sod and irrigation system, vinyl fencing, and a newly constructed seawall (75LF) with electrical pre-run for a future dock. Ideally located just minutes from the beaches while maintaining the privacy and tranquility of a residential neighborhood, this home offers close proximity to Indian Rocks Beach for sunset bike rides, as well as easy access to the dining, shopping, and amenities of Clearwater Beach, John’s Pass, St. Petersburg, and Tampa. Zoned for A-rated Anona Elementary, this property is perfect as a primary residence or second home for those seeking the ultimate waterfront lifestyle.

Listing Status:

Active

Date Added:

January 16, 2026

Data Last Updated:

February 9, 2026 at 2:24PM

Listing Office:

MAVREALTY : 727-314-3942

Listing Agent:

Kelsey Brumett : 813-442-3542

MLS ID:

TB8465377

Interior

• General: Ceiling Fans(s)Living Room/Dining Room ComboPrimary Bedroom Main FloorSplit BedroomStone CountersWalk-In Closet(s)
• Appliances: DishwasherDisposalDryerMicrowaveRangeRefrigeratorWasher
• Laundry: In Garage
• Flooring: CarpetLuxury VinylTile
• A/C: Central Air
• Heating: Central

Exterior

• General: Rain Gutters
• Other Structures: EnclosedScreened
• Pool: In GroundScreen Enclosure

Construction

• Roofing: Shingle
• General: BlockStuccoOneSlab

Location

• Road/Access: Paved
• HOA Amenities: 100.0Annually
• Originating MLS: Stellar MLS
• County: Pinellas

Lot

• Zoning: R-3HARBOR HILLS 1ST ADD BLK JLOT 4505-30-15-36000-010-0450
• Fencing: FencedVinyl

Utilities

• Utilities: BB/HS Internet AvailableCable AvailablePublicSprinkler Well
• Water: Public
• Sewer: Public Sewer

Financial

• Source: Stellar MLS
• Ownership: Fee Simple