Rui Ma

IRWIN STREET, SAFETY HARBOR, FL, 34695

Active110 days on marketListed Apr 10, 2026MLS #TB8496031

Priced 31% below the SAFETY HARBOR 34695 medianWaterfrontWATER VIEW HEIGHTS

About this home

IRWIN STREET

Don’t miss this rare opportunity to own a premium Waterview oversized lot in the heart of Safety Harbor, just steps from the historic Philippe Park. This exceptional 26,480 sq. ft. property offers approximately 10,000 sq. ft. of buildable space, with the remaining 16,000 sq. ft. preserved as protected wetlands—creating a private, tranquil setting surrounded by natural beauty. The lot has already been cleared and is ready for construction. An engineering report confirms that no pile foundation is required, helping simplify the building process and reduce costs. Backing directly onto conservation land, the property features serene views of Old Tampa Bay and remained flood-free even through recent storms—providing added confidence for your future build. With generous dimensions and a prime location, this homesite is perfectly suited for a custom multi-story residence designed to capture stunning water views. Located in a top-rated school district and just minutes from downtown Safety Harbor, you’ll enjoy convenient access to boutique shopping, art galleries, dining, and the renowned Safety Harbor Resort. “Vacant land rarely has an address or lot number posted. There have been occasions when a buyer has closed on a property and determined, after the closing, that the property conveyed to the buyer was not the property the buyer had visually identified prior to signing the contract. It is the buyer’s responsibility to confirm the legal description of the property buyer wants to purchase prior to the end of the contract Property Inspection Period. The best way to accomplish this is for the buyer to obtain a survey that depicts a physical immovable object on the property or adjacent to the property that irrefutably confirms the property identified in the survey is the property the buyer wants to purchase.”

Facts & features

The home at a glance

0.61 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater
FacesNorth

Community & fees

Taxes (2025)$4,778/yr

Utilities & systems

UtilitiesElectricity Available · Public · Sewer Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,704 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,996
FHA mortgage insurance (est.)$150
Property tax — 2025 actual bill$398
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,865Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,865
Interest rate6.00%
Loan term

Estimated payment

$2,704/mo

Principal & interest$1,996
FHA mortgage insurance (est.)$150
Property taxes (actual bill)$398
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Where it sits

Inside Safety Harbor

Map of IRWIN STREET

Drive times from this address

Tampa Int’l Airport (TPA)28 min
Downtown Tampa31 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Safety Harbor. See the full Safety Harbor guide →

SAFETY HARBOR 34695 — neighborhood snapshot

Population

17,882

Median age

50.6

Median income

$96,138

Median home value

$418,200

Avg household

2.42

Households w/ children

1,727

For the school run

Pinellas County School District

HighCountryside High School★★★★★
ElementaryLeila Davis Elementary School★★★★
MiddleSafety Harbor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Safety Harbor market

Seller’s marketBalanced6.1 months of inventoryBuyer’s market

$508K$630K

Safety Harbor median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 31% below the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →

Paper trail

This home's history

Apr 10, 2026Listed at $339,000 · 110 days on market since

Reality check

What actually sold near IRWIN STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

244 IRON AGE STREETSold · Feb ’26

$614,900

244 IRON AGE STREET

2 bd · 1 ba · 748 sqft · $822/sqft · 19 DOM

427 5TH STREET NSold · Jul ’26

$380,000

427 5TH STREET N

2 bd · 1 ba · 792 sqft · $480/sqft · 111 DOM

340 8TH AVENUE NSold · Dec ’25

$342,000

340 8TH AVENUE N

2 bd · 1 ba · 864 sqft · $396/sqft · 1 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Rui Ma

Your agent

Rui Ma

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about IRWIN STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for IRWIN STREET — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Rui's phone and CRM.

Goes straight to Rui’s phone and CRM.

Straight answers

IRWIN STREET FAQs

What would the monthly payment be for IRWIN STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,704/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on IRWIN STREET?+

The most recent tax bill on record (2025) was $4,778. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Safety Harbor?+

At $339,000, this home is listed about 39% below the Safety Harbor median of $554,950. The market section on this page shows how the area is trending.

Which schools are assigned to IRWIN STREET?+

Countryside High School (high), Leila Davis Elementary School (elementary), Safety Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the SAFETY HARBOR 34695 market on paper

$339,000 is 31% below the SAFETY HARBOR 34695 median of $494,450.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

110 days on market against a Safety Harbor median of 55 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Countryside High School, Leila Davis Elementary School, Safety Harbor Middle School — Leila Davis Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of FUTURE HOME REALTY INC · Kathy Noland. MLS #TB8496031.

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 is deemed reliable but is not guaranteed accurate by Stellar MLS.

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