108 Irwin Street, FL108 Irwin Street, FL108 Irwin Street, FL
Stellar MLS
1 / 81

$1,449,000

108 Irwin Street

Safety Harbor, FL 34695

Listing updated: June 23, 2026 at 1:46 PM ET

Active
Stellar MLSListing courtesy of Business & Realty Consulting Of Florida · Emiliya Cogdill · MLS #TB8491819 · Active · 813-777-4527
4
Beds
3
Baths
2,634
Sq Ft
0.25
Acres
2026
Built
New construction3-car garage$550/sqft360° tour
Single Family Residence

Property type

2026

Year built

10,820 sqft

Lot size

$550

Price / sq ft

No HOA

HOA dues

85

Days on market

3

Garage spaces

x

Flood zone

About this home

Brand New 2026 Custom-Built Modern Coastal Home in Safety Harbor – 4 Bed, 3 Bath, 2,634 Sq Ft on Quarter-Acre Lot Discover rare new construction in highly sought-after Safety Harbor! Built by Cogdill Builders of FL this stunning custom home the blend of peaceful suburban living with effortless access to everything the area has. Located just 1 mile from vibrant downtown Safety Harbor and walking distance to Philippe Park, enjoy waterfront trails, stunning bay views, boutique shops, top-rated restaurants, and the weekly farmers market. Conveniently close to Tampa, Clearwater, and St. Pete, this home is ideal for those relocating from up north seeking a modern open-layout Florida lifestyle. Boasting 2,634 square feet of bright, open-concept living space on a spacious 10,820 square foot (quarter-acre) lot outside the flood zone, this modern custom residence delivers exceptional quality and curb appeal. The crisp light exteriors with dark trim accents and stone veneer detailing are complemented by fresh professional landscaping, mature palms, and a wide concrete driveway leading to an oversized 3-car garage with dark doors. Inside, 10-foot soaring ceilings, premium light neutral porcelain tile flooring throughout, LED lighting, ceiling fans in every room, and abundant natural light create a bright, airy, and contemporary atmosphere. The expansive open-concept great room flows seamlessly into a modern chef’s kitchen featuring a large central Cambria quartz island in light neutral tones, stainless steel appliances, sleek custom cabinetry with modern hardware, designer backsplash, and a spacious walk-in pantry—perfect for effortless entertaining and daily living. The thoughtful split floor plan provides privacy with a generously sized primary suite offering direct access to the covered lanai. The spa-inspired primary bath includes a massive frameless glass walk-in shower, neutral tile, rainfall fixtures, double vanities, and impressive custom walk-in closets with built-in organization. Three additional bright bedrooms feature high ceilings and large windows, including a flexible fourth room ideal as a home office and two guest rooms each with private full baths (one with versatile wet-room styling featuring an enclosed tub/shower combo). All bathrooms and finishes maintain consistent modern elegance. Step outside to a large covered lanai overlooking a lush, irrigated backyard with new fencing and young Areca palms for natural tropical privacy. This true custom home (not builder-grade) is built with premium details including impact windows, high-efficiency systems, superior insulation, and reinforced construction throughout. Optional Proposed Pool Concept Available: The expansive backyard can easily accommodate a custom pool and enhanced outdoor living area (as illustrated in the conceptual renderings). The pool is not included in the purchase price and is shown for visualization purposes only. Move-in ready and perfect for buyers seeking a fresh, modern coastal home with clean lines, effortless indoor-outdoor flow, and the sunshine-filled Florida lifestyle. Seller incentives available! Schedule your private showing today and make this exceptional Safety Harbor custom home yours!

Local Insight

At $550/sqft for brand-new construction in Safety Harbor, you're paying a fair premium for that new-build warranty and modern systems, but the real question is whether the 0.25-acre lot justifies nearly $1.45M—that's tight spacing typical of subdivisions, so you're banking on the Water View Heights location and lack of HOA fees to offset the density. The X flood zone is a genuine advantage here and should keep insurance reasonable, but take a close look at that 3-car garage layout during the tour since corner lots in newer developments sometimes have awkward driveways or utility placement that photos don't always reveal.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$7,327
Property taxes$479
Home insurance (est.)$664

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history85 days on market

  1. Status: Active
    Mar 30, 2026
  2. Listed$1,599,000
    Mar 30, 2026
  3. Price reduced$1,449,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
85
Subdivision
Water View Heights
County
Pinellas
Year built
2026
Living area
2,634 sq ft
Price/sq ft
$550
Building area
3,962 sq ft (Builder)
Lot size
10,820 sq ft
Lot category
1/4 to less than 1/2
Flood zone
x
Garage
3 spaces
Annual taxes
$5,754 (2025)
Parcel #
34-28-16-95094-003-0090
Zoning
R-3
MLS #
TB8491819

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Interior Details

Bedrooms
4
Full bathrooms
3
Flooring
Tile
Appliances
Cooktop, Dishwasher, Disposal, Electric Water Heater, Microwave, Range Hood, Refrigerator, Water Filtration System
Interior features
Ceiling Fans(s), In Wall Pest System, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Walk-In Closet(s)
Laundry
Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
Stories / Levels
One
Direction faces
East
New construction
Yes

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
3
Attached garage
Yes

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Lighting, Private Mailbox, Private Yard
Construction materials
Block, Stucco
Roof
Shingle
Foundation
Slab
Road surface
Concrete

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Connected, Electricity Connected, Public, Sewer Connected, Water Connected

Room Details

RoomLevelDimensions
Balcony/Porch/LanaiFirst49x9
Primary BedroomFirst13x17
Primary BathroomFirst17x12
LaundryFirst8x10
KitchenFirst12x12
Great RoomFirst25x33
Bedroom 4First11x17
Bedroom 3First15x12
Bedroom 2First15x12
Bathroom 3First7x15
Bathroom 2First6x10

Listing Details

Listing date
2026-03-28
On market date
2026-03-30
Original list price
$1,599,000
Occupant type
Vacant
MLS area
34695 - Safety Harbor
Listing AOR
Suncoast Tampa
Status changed
2026-03-30
Tax legal description
WATER VIEW HEIGHTS BLK C, LOTS 9 AND 10

Flood risk

Minimal riskFEMA Zone X

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From Main Street in downtown Safety Harbor, head north on Philippe Parkway. Turn right onto Irwin Street E. Continue straight; 108 Irwin St E will be on the right side of the street.

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 23, 2026 at 1:46 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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