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$530,000

245 TUCKER STREET, SAFETY HARBOR, FL 34695

3D Tour
Active1 days on market

Beds

3

Baths

2

Sq Ft

1,791 sq ft

Year Built

1925

Lot Size

0.17 acres

Garage

About This Property

LOCATION, LOCATION, LOCATION! Rare opportunity to own a multi-family property in the heart of beautiful downtown Safety Harbor! Welcome to one of Safety Harbor’s most desirable brick-lined streets, where charming small-town character meets the best of the Florida lifestyle. Just steps from the waterfront, this unique two-story property offers two separate living units, strong rental potential, a spacious lot, and an unbeatable walk-to-downtown location. The first-floor unit features a welcoming kitchen, living room, dining area, two bedrooms plus an office, and rents for approximately $2,100 month. Upstairs, the second unit offers a kitchen, living room, one bedroom and one bathroom, currently renting for approximately $1,450 month. Each unit has its own electric meter, while the landlord currently pays water, sewer, and trash, totaling approximately $200 month. A shared laundry room is conveniently located on the backside of the property. The expansive lot provides plenty of outdoor space and even offers back alley access, with the potential for a future owner to install a pool, double gate for added convenience. The possibilities are exciting—continue using the property as an income-producing multi-family investment, make it your own and live in one unit while renting the other, convert it back to a single-family residence, or explore the potential for a brand-new home on the generous lot. And then there’s the location. Walk to Safety Harbor’s charming Main Street, local restaurants, boutique shops, festivals, the Safety Harbor Marina, Philippe Park, and the iconic Safety Harbor Resort & Spa. The waterfront is just at the end of the street, offering beautiful Tampa Bay sunrises and that unmistakable coastal Florida lifestyle. When it’s time for a beach day, Clearwater Beach and Honeymoon Island are just a short drive away. NO HOA. NOT IN A FLOOD ZONE. Selling AS-IS. Whether you're looking for an investment property, a unique multi-generational opportunity, or a property with redevelopment potential in one of Pinellas County’s most sought-after communities, this is an opportunity you won't want to miss. Live right in the heart of Safety Harbor!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8546718
StatusActive
Year Built1925
Stories2
Total Rooms6
ConstructionStucco, Wood Frame
RoofShingle
FoundationPillar/Post/Pier
FacesWest
SubdivisionESPIRITU SANTO SPGS
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), Primary Bedroom Main Floor, Thermostat
FlooringCeramic Tile, Hardwood
AppliancesCooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryLaundry Room, Outside
CoolingCentral Air
HeatingWall Furnace
FireplaceYes ()

Exterior & Lot

ExteriorPrivate Mailbox, Private Yard, Sidewalk
FencingWood
Lot Size0.17 acres (7,200 sq ft)
Lot Dimensions60 x 120
Lot FeaturesHistoric District, City Lot, Level, Near Marina, Sidewalk
Road SurfaceBrick
ViewTrees/Woods
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Street Lights, Water Connected

Parking

GarageNo
CarportYes

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$530,000
Annual Taxes$6,825 (2025)
Parcel #032916260460080130

Directions

Driving north on McMullen Booth Rd. turn Right on Main Street. Turn Left on Philippe Parkway. Turn Right on Tucker St. House will be on your Left hand side. Park on the street.

Location

245 TUCKER STREET, SAFETY HARBOR, FL 34695

Listing Information

OfficeKELLER WILLIAMS GULF BEACHES
ListedSeptember 8, 2026

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Home Price

$530,000

20% ($106,000)
6.75%

Loan Term

Principal & Interest$2,750
Property Tax (est.)$486
Insurance (est.)$150
Total Monthly$3,386
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How to Buy This Home

Multiple financing options available for this $530,000 home in SAFETY HARBOR.

🏛️

FHA Loan

$18,550 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

$26,500 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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 9, 2026.

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