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$525,000

9 HARBOR COVE STREET W, SAFETY HARBOR, FL 34695

3D Tour
Active2 days on market

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

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8544817
StatusActive
Year Built1981
Total Rooms4
ConstructionBlock, Stucco
RoofShingle
FoundationBlock
FacesWest
SubdivisionHARBOR OAKS ESTAATES
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCrown Molding, Eating Space In Kitchen, Living Room/Dining Room Combo, Open Floorplan, Skylight(s), Split Bedroom, Stone Counters, Walk-In Closet(s), Window Treatments
FlooringLuxury Vinyl, Tile
AppliancesBuilt-In Oven, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryLaundry Room
WindowsDrapes, Shutters
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorSidewalk
FencingWood
Lot Size0.15 acres (6,500 sq ft)
Lot Dimensions60 x 100
Lot FeaturesCity Lot, Sidewalk
Road SurfaceAsphalt
ViewCity, Trees/Woods
0

Utilities

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

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$525,000
Annual Taxes$7,317 (2026)
FinancingCash, Conventional, FHA, VA Loan
Parcel #042916362750030120

Schools

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

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

OfficeKELLER WILLIAMS ST PETE REALTY
ListedSeptember 3, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$525,000

20% ($105,000)
6.75%

Loan Term

Principal & Interest$2,724
Property Tax (est.)$481
Insurance (est.)$150
Total Monthly$3,355
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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.

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