
IRWIN STREET, SAFETY HARBOR, FL, 34695
Active110 days on marketListed Apr 10, 2026MLS #TB8496031
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,704/mo
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Safety Harbor 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
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.
Sold · Feb ’26$614,900
244 IRON AGE STREET
2 bd · 1 ba · 748 sqft · $822/sqft · 19 DOM
Sold · Jul ’26$380,000
427 5TH STREET N
2 bd · 1 ba · 792 sqft · $480/sqft · 111 DOM
Sold · 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.

Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about IRWIN STREET — start here.

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.
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.
Keep looking
Similar homes nearby
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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