Open House
Sunday, November 8 · 12:00 PM2:00 PM
$649,000
3 SUMMIT LANE, SAFETY HARBOR, FL 34695
Beds
3
Baths
2
Sq Ft
2,027 sq ft
Year Built
1981
Lot Size
0.29 acres
Garage
2
About This Property
Discover the Florida lifestyle you've been looking for at 3 Summit Lane, located in the highly desirable Bay Woods neighborhood of Safety Harbor! This beautifully maintained 3-bedroom, 2-bathroom pool home offers over 2,000 square feet of living space, a desirable split-bedroom floor plan, and a spacious corner lot surrounded by the charm of mature, moss-draped oak trees and picturesque neighborhood streets. One of this home's most inviting features is its exceptional indoor-outdoor living. Open the expansive sliding glass doors and let the natural light and Florida breezes flow seamlessly between the interior living spaces and the screened-in patio and private swimming pool. Whether you're enjoying a quiet morning coffee, hosting friends and family, or relaxing poolside, this home makes it easy to enjoy outdoor living year-round. The primary suite also features a convenient pocket sliding door providing direct access to the patio and pool. Inside, the thoughtfully designed floor plan offers both a formal living room just off the entry and a separate, spacious family room adjoining the kitchen, providing flexibility for entertaining, everyday living, and gathering with family. The split-bedroom layout creates added privacy, making this an ideal home for families, guests, or those looking for a comfortable second or seasonal home in Florida. The interior features beautiful cherry wood floors, crown molding, decorative wood paneling, and a brick-surround fireplace that add warmth and character. The kitchen received cabinetry and lighting upgrades in 2020, while updated bathrooms, select newer light fixtures, fresh interior paint throughout most of the home, and a complete exterior repaint add to its appeal. Major improvements include a NEW ROOF in November 2025, A/C replacement in 2021, and hurricane-rated windows installed in 2018. A spacious laundry room with folding counter, utility sink, and convenient access to the side-entry garage adds everyday functionality. Location is another standout! Enjoy the ability to walk to beautiful Philippe Park, one of Safety Harbor's most beloved waterfront parks, or take a quick two-mile drive to charming downtown Safety Harbor for its restaurants, boutiques, waterfront activities, local events, and vibrant community atmosphere. Bay Woods is known for its established character, mature oak-lined streets, and friendly neighborhood feel. An optional HOA provides additional flexibility. Whether you're searching for a pool home in Safety Harbor, a home near Philippe Park, a walkable home close to outdoor recreation, or a property just minutes from downtown Safety Harbor, 3 Summit Lane deserves a spot at the top of your list. Come experience the space, privacy, pool, and lifestyle that make this Safety Harbor home so special. Schedule your private showing today!
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From the north: Travel south on McMullen Booth Road. Turn left onto State Road 580, then right onto Philippe Parkway (SR 590). Turn right onto Bishop Creek Drive, then left onto Summit Lane. From the west: Travel east on State Road 580, crossing McMullen Booth Road. Turn right onto Philippe Parkway (SR 590), right onto Bishop Creek Drive, then left onto Summit Lane.
Location
3 SUMMIT LANE, SAFETY HARBOR, FL 34695
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$649,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $649,000 home in SAFETY HARBOR.
🏛️
FHA Loan
$22,715 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
$32,450 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.
More Homes in Safety Harbor
More Homes in Safety Harbor
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: November 5, 2026.