ActiveOpen House
$1,199,000
Est. $7,332/mo

108 Irwin St E, Safety Harbor, FL, 34695

$455/sqft·Water View Heights

3 bd3 ba2,634 sqft3 car garageSingle Family
Listed by BUSINESS & REALTY CONSULTING OF FLORIDA· Last updated · MLS# TB8491819

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$7,332/mo
Down payment (20%)
$239,800
Property taxes
$479/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2026
3 car garage
0.25 acres
Lot size
2,634 sqft
Living area
Brand new
Built 2026

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
WATER VIEW HEIGHTS
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

Open house

Saturday, Sep 12· 5:00 PM to 7:00 PM

About this home

Ceiling Fans(s)IN Wall Pest SystemKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsWalk-in Closet(s)

108 Irwin St E is a 2026-built home in Water View Heights, Safety Harbor. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,634 square feet of living space. Listed at $1,199,000 (about $455/sqft), 163 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Welcome to brand-new custom construction in the heart of Safety Harbor, where thoughtful design, quality craftsmanship, and exceptional functionality come together in a move-in-ready home—without the wait of building. This beautifully designed 3-bedroom, 3-bath residence offers 2,634 sq. ft. of living space, a spacious private flex room/office, an oversized 3-car garage, and an approximately 400-sq.-ft. raised covered lanai that creates an impressive extension of the indoor living and entertaining space. The open-concept floor plan features 10-foot ceilings, porcelain tile flooring, designer lighting, and abundant natural light. At the heart of the home is a beautifully appointed kitchen featuring solid wood cabinetry, Cambria quartz countertops, a full-height quartz backsplash, premium stainless-steel appliances, a large statement island, and a walk-in pantry. The generous primary suite is designed as a private retreat with two custom walk-in closets, dual vanities, and an oversized designer walk-in shower. The split-bedroom floor plan provides privacy for family and guests, while the large flex room offers exceptional versatility as an executive home office, den, fitness room, media room, or additional guest space. Outdoor living is equally impressive with an approximately 400-sq.-ft. raised covered lanai featuring a TV connection and water and gas rough-ins for a future outdoor kitchen. Quality construction extends well beyond the finishes, including reinforced concrete-block construction, a stem-wall foundation, Timberline HDZ shingles with peel-and-stick roof underlayment, R-38 attic insulation, impact windows, fiberglass exterior doors, an in-wall pest-control system, irrigation, new landscaping, fencing, and a new lift station and meter representing a substantial infrastructure investment. Located in desirable Flood Zone X with NO HOA, this property combines the advantages of new construction with the freedom and lifestyle buyers seek in Safety Harbor. Enjoy convenient access to charming Downtown Safety Harbor, Philippe Park, Tampa Bay, restaurants, boutiques, recreation, and the many amenities that make this community so desirable. Completed, move-in ready, and available now. An exceptional opportunity to own a brand-new custom home in one of Tampa Bay’s most desirable communities.

The essentials

Built
2026
Price / sqft
$455
On market
165 days
Annual tax
$5,754
Flood zone
X · Low risk
Lot
10,820 sqft
Type
Single Family Residence

Location

108 Irwin St E
Safety Harbor, FL, 34695·34695 - Safety Harbor
Type
Single Family Residence
Year Built
2026
Lot
10,820 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
165
Ceiling Fans(s)
IN Wall Pest System
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Walk-in Closet(s)
Lighting
Private Mailbox
Private Yard
Street Lights
Cooktop
Dishwasher
Disposal
Electric Water Heater
Microwave
Range Hood
Refrigerator
Water Filtration System

Elementary

Safety Harbor Elementary-PN

Middle

Safety Harbor Middle-PN

High

Countryside High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone x

Annual Tax (2025)

$5,754

Parcel #

34-28-16-95094-003-0090

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

Water View Heights

County

Pinellas

MLS Area

34695 - Safety Harbor

Lot Size

10,820 sqft

Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #TB8491819
$1,199,000-7.7%
$455/sqft
Price change
Source: Stellar MLS #TB8491819
$1,299,000-18.8%
$493/sqft
3/30/2026
Listed for sale
Source: Stellar MLS #TB8491819
$1,599,000
$607/sqft
Est. monthly payment$7,332/mo
Principal & interest$6,253
Property taxes$479
Insurance$600
Down payment20% · $239,800
Interest rate6.80%
Loan term

Not sure what you can afford?

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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

Choose an offer strength

List price: $1,199,000
$1.19M – $1.20M
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 165 after a $400,000 cut.

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

Talk through an offer with our team

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