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$1,199,000

108 IRWIN STREET E, SAFETY HARBOR, FL 34695

3D Tour
Active192 days on market

Beds

3

Baths

3

Sq Ft

2,634 sq ft

Year Built

2026

Lot Size

0.25 acres

Garage

3

About This Property

Why buy an older home and spend time and money replacing what’s already aging when a beautiful, brand-new luxury custom home is available now in Safety Harbor? Everything here is new—not remodeled, replaced, or added to an older structure. From the foundation and reinforced concrete-block walls to the roof, impact-rated hurricane windows, fiberglass exterior doors, electrical, plumbing, HVAC, insulation, and interior finishes, the entire home was built new to today’s Florida building standards. This 3-bedroom, 3-bath home offers 2,634 sq. ft. of living space, a large private flex room/office, an oversized 3-car garage, and an approximately 400-sq.-ft. raised covered lanai. It’s completed, move-in ready, and offers the peace of mind, energy efficiency, hurricane protection, and lower maintenance that come with owning a truly new home. The open floor plan features 10-foot ceilings, porcelain tile flooring, designer lighting, and abundant natural light. The kitchen is designed for everyday living and entertaining with solid wood cabinetry, Cambria quartz countertops, a full-height quartz backsplash, premium stainless-steel appliances, a large island, and a walk-in pantry. The spacious primary suite includes two custom walk-in closets, dual vanities, and an oversized designer walk-in shower. The split-bedroom layout provides privacy for family and guests, while the large flex room can serve as a home office, den, gym, media room, or additional guest space. Enjoy Florida living on the approximately 400-sq.-ft. raised covered lanai, already equipped with a TV connection plus water and gas rough-ins for a future outdoor kitchen. Quality construction includes a reinforced stem-wall foundation, reinforced concrete-block construction, Timberline HDZ shingles with peel-and-stick roof underlayment, R-38 attic insulation, impact-rated hurricane windows, fiberglass exterior doors, an in-wall pest-control system, irrigation, new landscaping, fencing, and a new lift station and meter. Located in desirable Flood Zone X with NO HOA, this home is close to charming Downtown Safety Harbor, Philippe Park, Tampa Bay, restaurants, boutiques, parks, and recreation. Why renovate when you can start fresh? Everything is new, built together from the ground up, and ready for its first owner now.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8491819
StatusActive
Year Built2026
Total Rooms11
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesEast
SubdivisionWATER VIEW HEIGHTS
CountyPinellas
OwnershipFee Simple
New ConstructionYes

Interior Features

InteriorCeiling Fan(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)
FlooringPorcelain Tile, Tile
AppliancesCooktop, Dishwasher, Disposal, Electric Water Heater, Microwave, Range Hood, Refrigerator, Water Filtration System
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
WindowsENERGY STAR Qualified Windows, Insulated Windows, Storm Window(s)
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Lighting, Private Mailbox, Private Yard
Lot Size0.25 acres (10,820 sq ft)
Lot Dimensions97 x 113
Road SurfaceConcrete
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Public, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$1,199,000
Original Price$1,599,000
Annual Taxes$5,754 (2025)
ZoningR-3
Parcel #342816950940030090

Schools

ElementarySafety Harbor Elementary-PN
MiddleSafety Harbor Middle-PN
HighCountryside High-PN

Directions

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.

Location

108 IRWIN STREET E, SAFETY HARBOR, FL 34695

Listing Information

OfficeBUSINESS & REALTY CONSULTING OF FLORIDA
ListedMarch 30, 2026

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Home Price

$1,199,000

20% ($239,800)
6.75%

Loan Term

Principal & Interest$6,221
Property Tax (est.)$1,099
Insurance (est.)$150
Total Monthly$7,470
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Nearby Schools

Financing a Luxury Home

Specialized financing for this $1,199,000 property in SAFETY HARBOR. Luxury purchases typically require jumbo or portfolio lending.

💎

Jumbo Loan

$119,900 Down

For homes exceeding conforming loan limits. Typically requires 10-20% down, strong credit, and reserves.

🎖️

VA Jumbo

$0 Down

VA-eligible borrowers can go above conforming limits with zero down in many cases.

🏦

Portfolio Loan

$179,850 Down

Held by the lender, not sold. Flexible terms for high-net-worth buyers with non-traditional income.

🔑

Bridge Loan

$239,800 Down

Short-term financing to buy before selling. Ideal for move-up buyers in competitive markets.

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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: October 8, 2026.

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