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- 9 HARBOR COVE STREET W
$525,000
9 HARBOR COVE STREET W, SAFETY HARBOR, FL 34695
Beds
3
Baths
2
Sq Ft
1,781 sq ft
Year Built
1981
Lot Size
0.15 acres
Garage
2
About This Property
Virtually Staged. 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!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
northwest on I-275 N, take exit 30 for FL-686 W/Roosevelt Blvd, merge onto Roosevelt Blvd, continue onto Main St, turn left onto 7th St S, turn right onto 3rd Ave S, continue onto 4th Ave S, turn left onto Philippe Pkwy, turn right onto Harbor Cove St. Arrive at 9 Harbor Cove St.
Location
9 HARBOR COVE STREET W, SAFETY HARBOR, FL 34695
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$525,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $525,000 home in SAFETY HARBOR.
🏛️
FHA Loan
$18,375 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$26,250 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pinellas County SHIP
Varies
Income-qualifying Pinellas residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
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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: September 5, 2026.