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859 Harbor Hill Dr, Safety Harbor, FL, 34695

$252/sqft·Winding Oaks - Ph I

4 bd2 ba2,782 sqft2 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8533653

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Est. monthly payment
$4,527/mo
Down payment (20%)
$139,980
Property taxes
$527/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1993
2 car garage
Garage Door Opener
0.28 acres
Lot size
2,782 sqft
Living area

About this home

Built-in FeaturesCeiling Fans(s)Open FloorplanPrimary Bedroom Main FloorStone CountersThermostatLightingPrivate Mailbox

859 Harbor Hill Dr is a 1993-built home in Winding Oaks - Ph I, Safety Harbor. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,782 square feet of living space. Listed at $699,900 (about $252/sqft), 33 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

MOTIVATED SELLERS! Welcome home where modern updates, exceptional living space, and an unbeatable Safety Harbor location come together in one remarkable home. Nestled on an oversized 0.28-acre lot in the desirable Winding Oaks community, this beautifully updated 4-bedroom, 2-bath residence offers a true 2,782 square feet of living space, including a fully finished, air-conditioned walkout basement connected to the main level by a striking spiral staircase. Step inside to discover a spacious, open-concept floor plan filled with natural light and designed for both everyday living and entertaining. The heart of the home is the stunning, updated kitchen featuring an oversized granite island, abundant cabinetry, granite countertops, stainless steel appliances, and an expansive breakfast bar overlooking the inviting family room with its impressive stone wood-burning fireplace. Luxury vinyl plank flooring installed throughout the home in 2023 creates a seamless, contemporary look while adding durability and warmth. The thoughtfully updated kitchen includes new granite countertops, refrigerator, range, microwave, dishwasher, garbage disposal, and additional upgrades completed in 2023, making it truly move-in ready. Both bathrooms also feature matching granite countertops, providing an upscale finish throughout the home. One of the home's most unique features is the 740-square-foot finished walkout basement, offering incredible flexibility as a fourth bedroom, guest suite, home office, media room, fitness area, playroom, or multigenerational living space. An additional oversized storage room serves as the closet for the fourth bedroom and provides abundant space rarely found in homes throughout the area. The spacious primary suite offers privacy and comfort, while the secondary bedrooms are generously sized with excellent natural light. Every room reflects the pride of ownership and extensive updates completed over the past several years. Outdoor living is equally impressive. Step outside to the expansive screened-in covered deck, creating an extension of the living space and the perfect setting for morning coffee, outdoor dining, or relaxing while overlooking the very large fenced backyard. The irrigation system is supplied by a private well featuring a brand-new deep well pump installed in July 2026, helping maintain the lush landscaping while reducing water costs. Additional recent improvements include: • New downstairs AC (2026) • New upstairs AC (2023) • New roof (2015) • Luxury vinyl plank flooring (2023) • Granite countertops throughout (2023) • New refrigerator, range, microwave, dishwasher, and garbage disposal (2023) Location is everything, and this home delivers. Enjoy the convenience of being walking or golf-cart distance to charming downtown Safety Harbor, with its award-winning restaurants, boutiques, festivals, marina, and waterfront parks. You're also just one mile from the iconic Safety Harbor Pier and only moments from the Safety Harbor Community Center, waterfront parks, top-rated schools, Philippe Park, Tampa International Airport, beautiful Gulf beaches, and major commuter routes. With extensive updates, an exceptionally rare finished basement, an oversized lot, an incredible outdoor living space, and one of the most desirable locations in Pinellas County, this home offers a lifestyle that is truly difficult to duplicate. This is your opportunity to own one of Safety Harbor's most distinctive homes.

The essentials

Built
1993
Price / sqft
$252
On market
44 days
Annual tax
$6,325
Flood zone
X · Low risk
Lot
12,114 sqft
Type
Single Family Residence

Location

859 Harbor Hill Dr
Safety Harbor, FL, 34695·34695 - Safety Harbor
Type
Single Family Residence
Year Built
1993
Lot
12,114 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Days on Market
44
Built-in Features
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Thermostat
Lighting
Private Mailbox
Rain Gutters
Sidewalk
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer

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.

Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$6,325

Parcel #

04-29-16-98271-000-0010

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

Winding Oaks - Ph I

County

Pinellas

MLS Area

34695 - Safety Harbor

Lot Size

12,114 sqft

Date
Event
Price
8/26/2026
Price change
Source: Stellar MLS #TB8533653
$699,900-3.4%
$252/sqft
Price change
Source: Stellar MLS #TB8533653
$724,900-9.4%
$261/sqft
7/29/2026
Listed for sale
Source: Stellar MLS #TB8533653
$799,900+213.1%
$288/sqft
4/1/2023
Sold
Source: Pinellas County Public Record
$255,500
$92/sqft
Est. monthly payment$4,527/mo
Principal & interest$3,650
Property taxes$527
Insurance$350
Down payment20% · $139,980
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: $699,900
$695,000 – $699,900
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 44 after a $100,000 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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