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$1,399,000
Beds
4
Baths
3
Sq Ft
2,634 sq ft
Year Built
2026
Lot Size
0.25 acres
Garage
3
Virtually Staged. PRICE IMPROVEMENT! Now offered at $1,399,000—an exceptional opportunity to own a brand-new custom luxury home in the heart of Safety Harbor. Built by Cogdill Builders of Florida, this beautifully crafted Modern Coastal residence combines timeless design, quality craftsmanship, and an unbeatable location just one mile from vibrant Downtown Safety Harbor and Philippe Park. Situated on a quarter-acre homesite in Flood Zone X with NO HOA, this move-in-ready home offers 4 bedrooms, 3 full bathrooms, an oversized 3-car garage, and 2,634 square feet of thoughtfully designed living space. Every detail reflects quality, from the soaring 10-foot ceilings, impact-rated windows, premium porcelain tile flooring, designer lighting, and open-concept floor plan to the exceptional finishes found throughout. The gourmet kitchen is designed for both everyday living and entertaining, featuring custom wood cabinetry, a large Cambria quartz island, a full-height Cambria quartz backsplash, stainless steel appliances, a walk-in pantry, and a spacious laundry room. The primary suite features two oversized custom walk-in closets, dual vanities, and a spacious walk-in shower. The split-bedroom floor plan provides privacy for family and guests, while the fourth bedroom offers flexibility as a home office, fitness room, or guest suite. Step outside to the impressive 49-foot covered lanai overlooking a professionally landscaped backyard with irrigation, privacy fencing, and ample space for a custom pool. Pool renderings are available upon request. Enjoy everything that makes Safety Harbor one of Tampa Bay’s most desirable communities, including charming Main Street, waterfront parks, Philippe Park, the marina, award-winning restaurants, boutique shopping, breweries, the Safety Harbor Resort & Spa, weekly farmers markets, concerts, and year-round festivals. Clearwater Beach, Honeymoon Island, Tampa International Airport, Downtown Tampa, and St. Petersburg are all just a short drive away. Built with durable concrete block construction, energy-efficient features, premium materials, and meticulous attention to detail, this home delivers the quality and craftsmanship today’s buyers expect from a true custom home. Luxury, location, and lasting value come together in one exceptional property. Schedule your private showing today.
From Main Street in downtown Safety Harbor, head north on Philippe Parkway. Turn right onto Irwin Street E. Continue straight; 108 Irwin St E will be on the right side of the street.
108 IRWIN STREET E, SAFETY HARBOR, FL 34695
Pick a Day
Preferred Time
Home Price
$1,399,000
Loan Term
Specialized financing for this $1,399,000 property in SAFETY HARBOR. Luxury purchases typically require jumbo or portfolio lending.
💎
$139,900 Down
For homes exceeding conforming loan limits. Typically requires 10-20% down, strong credit, and reserves.
🎖️
$0 Down
VA-eligible borrowers can go above conforming limits with zero down in many cases.
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$209,850 Down
Held by the lender, not sold. Flexible terms for high-net-worth buyers with non-traditional income.
🔑
$279,800 Down
Short-term financing to buy before selling. Ideal for move-up buyers in competitive markets.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: August 1, 2026.