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525 Elm St, Safety Harbor, FL, 34695

$347/sqft·Lincoln Heights

3 bd3 ba2,164 sqft1 car garageSingle Family
Listed by KELLER WILLIAMS REALTY SMART· Last updated · MLS# L4962266

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Est. monthly payment
$5,084/mo
Down payment (20%)
$149,998
Property taxes
$799/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2023
1 car garage
Driveway
5,872 sqft lot
Lot size
2,164 sqft
Living area

About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen Floorplan

525 Elm St is a 2023-built home in Lincoln Heights, Safety Harbor. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,164 square feet of living space. Listed at $749,990 (about $347/sqft), 66 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to luxury living in the heart of charming downtown Safety Harbor! Built in 2023 with exceptional craftsmanship and no expense spared, this stunning custom residence perfectly blends modern elegance with timeless Florida charm. Featuring 3 bedrooms, 2.5 bathrooms, and a spacious two-story design, this professionally constructed home offers the ideal combination of comfort, style, and privacy. Step inside to discover an open and inviting floor plan highlighted by designer finishes, modern features, stainless steel appliances, and beautiful tile and luxury water-resistant vinyl flooring throughout. The thoughtfully designed split floor plan provides enhanced privacy, while each bathroom showcases custom tile work and upscale finishes. Additional upgrades include double-pane windows for energy efficiency, private garage, vinyl fencing, and professionally designed custom landscaping that enhances the home’s curb appeal. With a covered front porch, a covered back porch, and a bonus outdoor porch on the second story covered with ceiling fan, never miss a Florida sunset, or reading a book for a beautiful sunrise. The oversized fenced in backyard allows for privacy, pets, with plenty of space for outdoor activities, like a summer BBQ, and entertaining family, friends, and guests. Add a pool if you desire! The spacious two-story layout creates flexible living spaces perfect for both entertaining and everyday living. Located in NO FLOOD ZONE, nestled beneath the grand oak trees that make downtown Safety Harbor so desirable, enjoy peaceful shaded walks just minutes from the world-renowned Safety Harbor Resort and Spa, waterfront parks, the bay, boutique shopping, dining, and top-rated schools. This is a rare opportunity to own a nearly new luxury custom home in one of Tampa Bay’s most sought-after communities. Call today for your private showing!

The essentials

Built
2023
Price / sqft
$347
On market
106 days
Annual tax
$9,582
Flood zone
X · Low risk
Lot
5,872 sqft
Type
Single Family Residence

Location

525 Elm St
Safety Harbor, FL, 34695·34695 - Safety Harbor
Type
Single Family Residence
Year Built
2023
Lot
5,872 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Ground Level, Guest, On Street, Oversized
Days on Market
106
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Balcony
French Doors
Private Entrance
Private Mailbox
Sidewalk
Street Lights
Built-in Oven
Cooktop
Dishwasher
Disposal
Microwave
Range Hood
Refrigerator
Tankless Water Heater
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$9,582

Parcel #

04-29-16-51822-003-0100

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Lincoln Heights

County

Pinellas

MLS Area

34695 - Safety Harbor

Lot Size

5,872 sqft

Date
Event
Price
7/9/2026
Price change
Source: Stellar MLS #L4962266
$749,990-1.3%
$347/sqft
5/28/2026
Listed for sale
Source: Stellar MLS #L4962266
$759,900+4.1%
$351/sqft
2/1/2023
Sold
Source: Pinellas County Public Record
$730,000
$337/sqft
Est. monthly payment$5,085/mo
Principal & interest$3,911
Property taxes$799
Insurance$375
Down payment20% · $149,998
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

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List price: $749,990
$745,000 – $749,990
99.2% – 100% of listTops out right at the list price
80% of listList price
41 of the last 80 home closings in 34695 landed at this number or higher (51%). The median one sat 27 days before it went under contract, and this one is on day 106 after a $9,910 cut.

Sample: 80 closed home sales in 34695 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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