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9 Harbor Cove St W, Safety Harbor, FL, 34695

$295/sqft·Harbor Oaks Estaates

3 bd2 ba1,781 sqft2 car garageSingle Family
Listed by KELLER WILLIAMS ST PETE REALTY· Last updated · MLS# TB8544817

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Est. monthly payment
$3,610/mo
Down payment (20%)
$105,000
Property taxes
$610/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1981
2 car garage
Driveway
6,500 sqft lot
Lot size
1,781 sqft
Living area

About this home

Crown MoldingEat-in KitchenLiving Room/Dining Room ComboOpen FloorplanSplit BedroomStone CountersWalk-in Closet(s)Window Treatments

9 Harbor Cove St W is a 1981-built home in Harbor Oaks Estaates, Safety Harbor. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,781 square feet of living space. Listed at $525,000 (about $295/sqft), 3 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Back on Market~ Opportunity is YOURS~Welcome to a home where thoughtful design, generous proportions, and distinctive finishes come together beautifully. This 3-bedroom, 2-bath, 2-car garage block home offers 1,781 square feet of stylish living space on a spacious 60' x 100' lot in an X flood zone. From the moment you enter, the home’s character is apparent, with NEW waterproof luxury vinyl plank flooring, plantation shutters, crown molding, recessed lighting, and a skylight that fills the main living area with natural light. At the heart of the home is an impressive chef-inspired kitchen anchored by an oversized 9' x 5' Cambria quartz island—an exceptional centerpiece for entertaining, casual dining, and everyday living. Custom cabinetry extends to the ceiling with elegant crown molding, while a copper farmhouse sink, stainless steel appliances, and an industrial-style chandelier with Edison filament bulbs add warmth and personality to the space. The expansive 20' x 15' primary bedroom creates a true owner’s retreat and is complemented by an extraordinary 10' x 10' custom closet featuring wood built-ins and an integrated desk area. The ensuite bath continues the elevated aesthetic with a freestanding pedestal soaking tub, separate tiled shower, dual sinks, statement ironwork lighting, and wood-look ceramic tile flooring. The secondary bath has also been thoughtfully updated with a tiled tub/shower combination, upgraded sink, and distinctive lighting. Beyond the interiors, the fenced backyard has been designed for relaxed Florida living and entertaining, featuring a travertine patio, pergola, fresh sod, irrigation, additional paved areas, and a steel storage shed. Hurricane-impact windows and doors provide an added layer of protection, while major improvements include a 2015 roof, HVAC, garage door, irrigation system, remodel/addition and exterior updates, along with 2022 plumbing improvements and a newer water heater. Newer stucco further enhances the home's exterior presentation. With a two-car garage, substantial upgrades, inviting outdoor spaces, and a floor plan that offers both comfort and style, this home delivers a refreshing alternative to the ordinary—beautifully updated, wonderfully livable, and ready for its next chapter. You are just a three -minute stroll to the scenic Folly Farm Nature Preserve and minutes from downtown Safety Harbor’s famous marina, vibrant dining, and boutique shops. Do not miss the chance to own this turnkey masterpiece—schedule your private showing today!

The essentials

Built
1981
Price / sqft
$295
On market
8 days
Annual tax
$7,317
Flood zone
X · Low risk
Lot
6,500 sqft
Type
Single Family Residence

Location

9 Harbor Cove St W
Safety Harbor, FL, 34695·34695 - Safety Harbor
Type
Single Family Residence
Year Built
1981
Lot
6,500 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, On Street
Days on Market
8
Crown Molding
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Split Bedroom
Stone Counters
Walk-in Closet(s)
Window Treatments
Sidewalk
Street Lights
Built-in Oven
Dishwasher
Dryer
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.

Flood Zone x

Annual Tax (2026)

$7,317

Parcel #

042916362750030120

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

Harbor Oaks Estaates

County

Pinellas

MLS Area

34695 - Safety Harbor

Lot Size

6,500 sqft

City LimitsSidewalk
Date
Event
Price
9/3/2026
Listed for sale
Source: Stellar MLS #TB8544817
$525,000
$295/sqft
Est. monthly payment$3,610/mo
Principal & interest$2,738
Property taxes$610
Insurance$263
Down payment20% · $105,000
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: $525,000
$520,000 – $525,000
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 8.

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

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