Active
$3,999,000
Est. $25,046/mo

454 Main St, Safety Harbor, FL, 34695

$416/sqft·Green Spgs

0 ba9,605 sqftRetail
Listed by KELLER WILLIAMS TAMPA PROP.· Last updated · MLS# TB8381286

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Est. monthly payment
$25,046/mo
Down payment (20%)
$799,800
Property taxes
$2,190/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1918
0.45 acres
Lot size
9,605 sqft
Living area

About this home

454 Main St is a 1918-built home in Green Spgs, Safety Harbor. Listed at $3,999,000 (about $416/sqft), 255 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

We are proud to exclusively market for sale Harbor Inn on Main, a rare generational asset located in the heart of one of America's most celebrated small towns. With 155 feet of frontage on vibrant Main Street—recently ranked #10 Best Main Street in the U.S. and #5 Best Small Town in the South by USA Today—this mixed-use property offers unmatched charm, versatility, and income potential. Built in 1918 and meticulously maintained, the property features 9,605 SF under roof and 2,599 SF of balcony space. Zoned Main Street Marketplace (MSM), this historic gem supports a wide variety of permitted uses including retail, multi-family, office, hospitality, and entertainment. Currently operating as a hybrid LTR/STR top-rated Airbnb Superhost with (8) turnkey apartment units—(6) one-bedrooms and (2) studios—each with full kitchens and baths. This income-generating property is perfect for investors or owner-occupiers. An opportunity also exists to expand with a 9th additional unit or owner/manager’s suite. The ground-floor retail space is elevated above street level and flooded with natural light, offering excellent visibility and a welcoming Main Street presence. Total retail square footage is equal to 2,983 SF and is currently rented month to month offering flexibility for an owner operator to occupy or generate longer term income. Recent capital improvements include a new roof (2020) on the primary building and new HVAC with ductwork (2023) in the retail space. Additional highlights: 14 private parking spaces, Garage/storage space, Located in Flood Zone X, Just blocks from the iconic Safety Harbor Spa, Two majestic “Great Oaks” on site, Steps away from the lively Third Friday Street Festival—a monthly downtown celebration of music, art, food, and community. This is more than a property—it’s a piece of Safety Harbor history with modern upside. Contact us today for details or to schedule a private tour.

The essentials

Built
1918
Price / sqft
$416
On market
498 days
Annual tax
$26,285
Flood zone
X · Low risk
Lot
19,611 sqft
Type
Retail

Location

454 Main St
Safety Harbor, FL, 34695·34695 - Safety Harbor
Type
Retail
Year Built
1918
Lot
19,611 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central, Natural Gas
Parking
-
Days on Market
498
Flood Zone X

Annual Tax (2024)

$26,285

Parcel #

03-29-16-33372-013-0020

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

Green Spgs

County

Pinellas

MLS Area

34695 - Safety Harbor

Lot Size

19,611 sqft

Corner Lot
Date
Event
Price
12/8/2025
Price change
Source: Stellar MLS #TB8381286
$3,999,000-7.0%
$416/sqft
Price change
Source: Stellar MLS #TB8381286
$4,300,000-13.9%
$448/sqft
5/1/2025
Listed for sale
Source: Stellar MLS #TB8381286
$4,995,000+230.8%
$520/sqft
10/1/2021
Sold
Source: Pinellas County Public Record
$1,510,000
$157/sqft
Est. monthly payment$25,046/mo
Principal & interest$20,856
Property taxes$2,190
Insurance$2,000
Down payment20% · $799,800
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: $3,999,000
$3.97M – $4.00M
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 498 after a $996,000 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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