9 Harbor Cove Street, FL
Stellar MLS
1 / 1

$525,000

9 Harbor Cove Street

Safety Harbor, FL 34695

Listing updated: September 3, 2026 at 4:16 AM ET

Active
Stellar MLSListing courtesy of Keller Williams St Pete Realty · Debbie Heston · MLS #TB8544817 · Active · 727-894-1600
3
Beds
2
Baths
1,781
Sq Ft
0.15
Acres
1981
Built
$295/sqft
Single Family Residence

Property type

1981

Year built

6,500 sqft

Lot size

$295

Price / sq ft

No HOA

HOA dues

0

Days on market

2

Garage spaces

x

Flood zone

About this home

Welcome to a home where thoughtful design, generous proportions, and distinctive finishes come together beautifully. This 3-bedroom, 2-bath, 2-car garage block home offers 1,781 square feet of stylish living space on a spacious 60' x 100' lot in an X flood zone. From the moment you enter, the home’s character is apparent, with NEW waterproof luxury vinyl plank flooring, plantation shutters, crown molding, recessed lighting, and a skylight that fills the main living area with natural light. At the heart of the home is an impressive chef-inspired kitchen anchored by an oversized 9' x 5' Cambria quartz island—an exceptional centerpiece for entertaining, casual dining, and everyday living. Custom cabinetry extends to the ceiling with elegant crown molding, while a copper farmhouse sink, stainless steel appliances, and an industrial-style chandelier with Edison filament bulbs add warmth and personality to the space. The expansive 20' x 15' primary bedroom creates a true owner’s retreat and is complemented by an extraordinary 10' x 10' custom closet featuring wood built-ins and an integrated desk area. The ensuite bath continues the elevated aesthetic with a freestanding pedestal soaking tub, separate tiled shower, dual sinks, statement ironwork lighting, and wood-look ceramic tile flooring. The secondary bath has also been thoughtfully updated with a tiled tub/shower combination, upgraded sink, and distinctive lighting. Beyond the interiors, the fenced backyard has been designed for relaxed Florida living and entertaining, featuring a travertine patio, pergola, fresh sod, irrigation, additional paved areas, and a steel storage shed. Hurricane-impact windows and doors provide an added layer of protection, while major improvements include a 2015 roof, HVAC, garage door, irrigation system, remodel/addition and exterior updates, along with 2022 plumbing improvements and a newer water heater. Newer stucco further enhances the home's exterior presentation. With a two-car garage, substantial upgrades, inviting outdoor spaces, and a floor plan that offers both comfort and style, this home delivers a refreshing alternative to the ordinary—beautifully updated, wonderfully livable, and ready for its next chapter. You are just a three -minute stroll to the scenic Folly Farm Nature Preserve and minutes from downtown Safety Harbor’s famous marina, vibrant dining, and boutique shops. Do not miss the chance to own this turnkey masterpiece—schedule your private showing today!

Estimated monthly payment

Principal & interest$2,655
Property taxes$610
Home insurance (est.)$241

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 history0 days on market

  1. Status: Active
    Sep 3, 2026
  2. Listed$525,000
    Sep 3, 2026
  3. Price increased$525,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
0
Subdivision
Harbor Oaks Estaates
County
Pinellas
Year built
1981
Living area
1,781 sq ft
Price/sq ft
$295
Building area
2,360 sq ft (Public Records)
Lot size
6,500 sq ft
Lot category
0 to less than 1/4
Flood zone
x (12103C0127H)
Garage
2 spaces
Annual taxes
$7,317 (2026)
Parcel #
042916362750030120
MLS #
TB8544817

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Luxury Vinyl, Tile
Appliances
Built-In Oven, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Interior features
Crown Molding, Eat-in Kitchen, Living Room/Dining Room Combo, Open Floorplan, Split Bedroom, Stone Counters, Walk-In Closet(s), Window Treatments
Laundry
Laundry Room
Stories / Levels
One
Direction faces
West

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes
Parking features
Driveway, Garage Door Opener, On Street

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
6 Months
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Sidewalk
Construction materials
Block, Stucco
Roof
Shingle
Foundation
Block
Road surface
Asphalt

Utilities

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

Community

Pets allowed
Yes

Schools

ElementarySafety Harbor Elementary-PNGreatSchools ↗
MiddleSafety Harbor Middle-PNGreatSchools ↗
High SchoolCountryside High-PNGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Living RoomFirst15x15
KitchenFirst15x12
Primary BedroomFirst15x12
Dining RoomFirst15x12

Listing Details

Listing date
2026-08-31
On market date
2026-09-03
Original list price
$525,000
Occupant type
Vacant
MLS area
34695 - Safety Harbor
Listing AOR
Suncoast Tampa
Status changed
2026-09-03
Tax legal description
Harbor Oaks Estate unit 1 block 3,lot 12

Flood risk

Minimal riskFEMA Zone XPanel 12103C0127H

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

northwest on I-275 N, take exit 30 for FL-686 W/Roosevelt Blvd, merge onto Roosevelt Blvd, continue onto Main St, turn left onto 7th St S, turn right onto 3rd Ave S, continue onto 4th Ave S, turn left onto Philippe Pkwy, turn right onto Harbor Cove St. Arrive at 9 Harbor Cove St.

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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 September 3, 2026 at 4:16 AM 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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