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$324,900

345 PLYMOUTH STREET, SAFETY HARBOR, FL 34695

3D Tour
Active1 days on market

Beds

2

Baths

1

Sq Ft

939 sq ft

Year Built

1980

Lot Size

0.06 acres

Garage

—

About This Property

Less upkeep, more Florida—this updated 2-bedroom, 1-bath villa in Safety Harbor’s Bay Towne community makes a compelling case for enjoying life beyond your to-do list. Whether you’re looking for a year-round home or a seasonal retreat, this single-story residence pairs solid block construction with thoughtful updates, smart technology, and inviting outdoor space... Inside, vaulted ceilings add an airy feel to the living and dining area, complemented by textured ceilings with the popcorn finish removed, recessed lighting, updated outlets, and a newer ceiling fan. The kitchen brings style and function together with granite countertops, a butcher-block accent, updated appliances, and reverse-osmosis filtration at the sink. The bathroom features updated vanities and tile work... The improvements reach well beyond the finishes. The seller reports a 2020 roof, hurricane-impact windows, whole-home re-piping completed in 2023, and upgraded attic insulation with a radiant barrier. The Trane HVAC system has received replacement coils and a blower, with the air handler relocated from the attic to a hall closet for easier access. A REME HALO air purification system adds another thoughtful touch... Smart lighting, Cat 6 Ethernet connections in both bedrooms and the living room, wired front and rear security cameras, and a Tesla Level 2 EV wall charger bring everyday convenience into the mix... Solar power adds another appealing benefit: enjoy renewable energy without the upfront expense of purchasing panels. The seller reports current monthly costs of approximately $106 for the solar lease plus $30 to Duke Energy—approximately $136 combined, leaving more room in the budget for enjoying Florida. The existing solar setup offers the buyer an opportunity to assume the lease, subject to provider approval. The seller also reports an option to discontinue after three years, subject to the agreement’s terms and provider confirmation. Actual electricity costs and savings vary with usage, solar production, and utility rates... Outside, an awning-covered front porch offers a welcoming place to pause, while the screened rear patio with pavers and fenced backyard invite outdoor dining, morning coffee, or a little well-earned downtime. Located in Flood Zone X, the property also offers access to a community pool. Per the seller, HOA services include lawn care, cable TV, high-speed internet, and select streaming subscriptions; buyers should confirm current coverage with the association... Then there’s the location: nearby downtown Safety Harbor offers Main Street shops, local restaurants, arts, and community events, while Philippe Park delivers shaded grounds and beautiful bay views. Enjoy the historic Safety Harbor Resort & Spa, explore local parks and trails, or head west for a Gulf beach day at Clearwater Beach, Honeymoon Island, Sand Key, Indian Rocks Beach, or Indian Shores. Access to Clearwater, Tampa, St. Petersburg, Tampa International Airport, and St. Pete–Clearwater International Airport keeps regional destinations within reach... A comfortable home base with plenty of reasons to get out and enjoy Florida—schedule your showing and discover the possibilities.

Property Overview

Property TypeResidential
Sub TypeVilla
MLS #TB8555360
StatusActive
Year Built1980
Stories1
Total Rooms7
ConstructionBlock
RoofShingle
FoundationSlab
FacesSouth
SubdivisionBAY TOWNE
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Solid Surface Counters, Stone Counters, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
FlooringCeramic Tile
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer
LaundryInside, Laundry Closet
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorRain Gutters, Sliding Doors, Storage
Lot Size0.06 acres (2,492 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Sewer Connected, Underground Utilities, Water Connected

Parking

GarageNo

HOA & Community

HOAYes
HOA Fee$175 / Monthly
Senior CommunityNo

Financial Details

List Price$324,900
Annual Taxes$3,841 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR-3
Parcel #342816052660000600

Schools

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

Directions

Traveling on Philippe Pkwy, turn East Salem St, turn North on Nantucket St, turn Right on Plymouth St, the home is on the left.

Location

345 PLYMOUTH STREET, SAFETY HARBOR, FL 34695

Listing Information

OfficeDALTON WADE INC
ListedOctober 6, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$324,900

20% ($64,980)
6.75%

Loan Term

Principal & Interest$1,686
Property Tax (est.)$298
Insurance (est.)$150
Total Monthly$2,134
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $324,900 home in SAFETY HARBOR.

🏛️

FHA Loan

$11,372 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

$16,245 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: October 7, 2026.

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