Belleair Bluffs
An Intracoastal city between Largo and the Gulf beaches
Pinellas County · Tampa Bay
Largo, Florida
A central Pinellas County city between Clearwater, Belleair and the Gulf beaches
Largo is a city in central Pinellas County, Florida, with 82,485 residents at the 2020 Census. It touches the Intracoastal Waterway to the southwest and Tampa Bay to the northeast, and it borders Clearwater, Belleair, Belleair Bluffs, Pinellas Park and Seminole. The Belleair Causeway connects it to the Gulf beaches. ABODE’s Florida office is on West Bay Drive in Largo.
In short: Largo is a central Pinellas County, Florida city of 82,485 residents, connected to the Gulf beaches by the Belleair Causeway. ABODE’s Florida office is there.
Private, strategy-first conversations. Consultation requests do not trigger drip campaigns.
Overview
Largo at a glance
| Fact | Value | Source |
|---|---|---|
| Location | Central Pinellas County, Florida; the city describes it as the heart of the county on the Gulf Coast of West Central Florida | Note 1 |
| Population | 82,485 (2020 Census) | Note 2 |
| Size | The city states 18.72 square miles. Census land area is 18.54 square miles, and Wikipedia gives 19.59 total and 18.60 land | Notes 1, 2, 4 |
| Incorporated | June 6, 1905 | Note 1 |
| Water boundaries | Touches the Intracoastal Waterway to the southwest and Tampa Bay to the northeast | Note 4 |
| Neighbors | Clearwater to the north; Belleair and Belleair Bluffs to the northwest; Pinellas Park south of eastern Largo; Seminole south of western Largo | Note 4 |
| Major roads | State Roads 686 and 688, connecting with Interstate 275; US 19 and US 19 Alternate run north-south | Note 4 |
| Local government | A mayor and six commissioners; the city also has a City Manager’s Office | Note 3 |
| Flood program | Participates in the NFIP Community Rating System at class 6, which the city says gives a 20% discount on flood policies in Special Flood Hazard Areas | Note 5 |
For ABODE’s Largo office hours, directions and licenses, see the Largo office page.
Setting
Where is Largo, and how does it connect to the beaches?
It is a large mainland city, so addresses vary widely in setting, age and flood exposure.
- Largo sits in central Pinellas County, touching the Intracoastal Waterway to the southwest and Tampa Bay to the northeast (Note 4).
- It borders Clearwater to the north, Belleair and Belleair Bluffs to the northwest, Pinellas Park to the south of eastern Largo and Seminole to the south of western Largo (Note 4).
- State Roads 686 and 688 pass through Largo and connect with Interstate 275, and US 19 and US 19 Alternate run north-south through the city (Note 4).
- The Belleair Causeway (West Bay Drive, County Road 416) crosses the Intracoastal Waterway from the Largo area to Belleair Beach on the Gulf barrier island (Note 6).
The city’s own size figure and the Census land-area figure differ slightly, so this page lists both.
Local rules
Who sets the rules in Largo?
Largo publishes its own zoning, planning and permit information; flood programs are run locally.
- A mayor and six commissioners govern, and the city has a City Manager’s Office (Note 3).
- The city’s code of ordinances, including the zoning code, is published on Municode, and the city has Planning and Building/Permits pages (Note 3).
- The city publishes floodplain information, a flood-zone map and elevation-certificate lookups (Note 5).
Rules vary by address and by whether a property is in a homeowners’ association or condominium. Confirm with the city and the association.
Due diligence
What should you check before buying in Largo?
| Check | Why it matters here | Source |
|---|---|---|
| FEMA flood zone | Flood zone is set parcel by parcel and affects insurance and elevation rules, even on the mainland. The FEMA Flood Map Service Center is the official lookup | Note 7 |
| City floodplain information | The city publishes its flood-zone map and elevation-certificate lookups and reports a class 6 Community Rating System rating | Note 5 |
| Zoning and permit requirements | Zoning and permits are set by the city. Check the code and the Planning and Building pages before you plan an addition, pool or rebuild | Note 3 |
| Association documents | If the property is in a homeowners’ association or condominium, request the governing documents, assessments and rules before you go under contract | Note 8 |
This is a checklist, not advice. Confirm each item with the city and your attorney.
Comparison
How does Largo compare with nearby places?
| Community | Setting | How it differs |
|---|---|---|
| Belleair Bluffs | Small city on the northwest edge of Largo (Note 4) | Compact and much smaller: 2,311 residents at the 2020 Census (Note 9) against Largo’s 82,485 (Note 2) |
| Belleair Beach | Gulf barrier island across the Belleair Causeway | A small Gulf-side city on the Sand Key barrier island; Largo is mainland (Note 6) |
| Indian Rocks Beach | Gulf barrier island, reached by the Indian Rocks Causeway | Beachfront city with a business district and a citywide flood designation (see the Indian Rocks Beach guide for its sources) |
| Clearwater | Adjacent city to the north | A neighboring city (Note 4) |
Working with ABODE
How does ABODE help in Largo?
Largo is where ABODE’s Florida office is, at 801 West Bay Drive, Suite 324. We represent buyers and sellers across Largo and nearby Gulf communities, compare each property with similar sales, review flood and association documents with you, and keep conversations private.
Keep reading
Which related guides should you read next?
Belleair Beach
A small Gulf-side city on Sand Key, across the Belleair Causeway from Largo
Indian Rocks Beach
A Gulf-side city with a beachfront business district
Belleair Shore
A very small Gulf-front town zoned single-family, with a few recreation lots
Pinellas County
County guide to permitting offices, homestead rules, flood and evacuation lookups, and condo inspections
Dunedin
A Pinellas County city with a causeway to Honeymoon Island State Park
Palm Harbor
An unincorporated Pinellas County community with no city government
Manalapan
A small oceanfront town in two separate areas, one on Hypoluxo Island
Jupiter Island
A barrier-island town in Martin County with about nine miles of Atlantic frontage
Stone Creek Ranch, Delray Beach
A homeowners’ association community of estate lots in the west Delray Beach area
Florida luxury condos and branded residences
What branded residences are, with sourced premium and demand figures
Pinellas condominium due diligence
Florida milestone inspections, structural reserve studies and five documents to request
Belleair vs. Belleair Beach vs. Belleair Shore
Four Belleair governments compared: location, permitting, zoning, flood and rental rules.
Belleair
Town of Belleair: own building department, floodplain and rental rules, town water.
Sand Key
Barrier island shared by several governments: who permits and which rules apply where
Questions
Largo real estate: frequently asked questions
Where is Largo, Florida?
Largo is a city in central Pinellas County, Florida (Note 1). It touches the Intracoastal Waterway to the southwest and Tampa Bay to the northeast, and it borders Clearwater, Belleair, Belleair Bluffs, Pinellas Park and Seminole (Note 4).
How many people live in Largo?
Largo had 82,485 residents at the 2020 Census (Note 2). The city reports its size as 18.72 square miles (Note 1), while the Census lists 18.54 square miles of land (Note 2); the figures differ by definition and source.
How do you get from Largo to the Gulf beaches?
The Belleair Causeway (West Bay Drive, County Road 416) crosses the Intracoastal Waterway to Belleair Beach (Note 6). The Indian Rocks Causeway (State Road 688) reaches Indian Rocks Beach; see the Indian Rocks Beach guide for its sources.
Do homes in Largo need flood insurance?
It depends on each property’s FEMA flood zone and lender. Look up the zone on FEMA’s Flood Map Service Center (Note 7) and the city’s floodplain pages (Note 5), and ask for any elevation certificate. Largo participates in the Community Rating System at class 6, which the city says gives a 20% discount on flood policies in Special Flood Hazard Areas (Note 5).
Where is ABODE’s Largo office?
ABODE International Realty’s Florida office is at 801 West Bay Drive, Suite 324, Largo, FL 33770. Visits are by appointment, Monday to Friday 8 AM to 7 PM and weekends 9 AM to 5 PM. See the Largo office page for directions, licenses and contact options.
Does ABODE International Realty work in Largo?
Yes. ABODE International Realty is a Florida-licensed brokerage based in Largo. It represents buyers and sellers in Largo, Belleair Bluffs and the Gulf communities nearby.
Private consultation
Request a private Largo consultation
Please tell us what you are weighing. An ABODE advisor replies privately. We aim to reply within one business day.
Sources and notes
- City of Largo (official site and Living in Largo > Demographics). Source for the city’s location description, 18.72 square miles and the June 6, 1905 incorporation date. Checked October 4, 2026
- U.S. Census Bureau QuickFacts: Largo city, Florida. Source for the 2020 Census population (82,485) and land area (18.54 square miles)
- City of Largo: Mayor & Commission. Source for the mayor and six commissioners; the zoning code is published on the city’s Municode library
- Largo, Florida (Wikipedia). Secondary source for neighboring municipalities, major roads, water boundaries and coordinates. Its area figures (19.59 total, 18.60 land) differ from the city and the Census
- City of Largo: Floodplain information. Source for the Community Rating System class 6 rating and 20% discount statement, and for the flood map and elevation-certificate resources. Checked October 4, 2026
- Belleair Beach, Florida (Wikipedia). Source for the Belleair Causeway connection between Largo and Belleair Beach
- FEMA Flood Map Service Center. Look up the flood zone for any address. Flood zone is parcel specific
- ABODE local knowledge. Comparisons and plain-language descriptions reflect ABODE’s experience and are not statistics
- Belleair Bluffs, Florida (Wikipedia). Secondary source for the Belleair Bluffs 2020 Census population used in the comparison. Verify against the Census Bureau before relying on it