413 S BAYSHORE BOULEVARD, #5, Safety Harbor, FL, 34695 | $415,000

Under contract-accepting backup offers. Bring your boat & kayak and experience the perfect location to explore our beautiful coastline and all the energy of downtown Safety Harbor! Safety Harbor was recently named the best place to live in the Tampa Bay area! This condo offers modern upgrades and an ideal location at Lovers Oak Condominium. You will surely fall in love! This lock-and-leave condo offers a carefree lifestyle just blocks from shopping, dining, and community celebrations. Perfect for seasonal or full-time residents! This impeccably maintained top-floor condo features updated kitchen and baths with contemporary finishes, and a cozy sunroom with breathtaking water views of Tampa Bay, creating the perfect space to relax and unwind. The community grounds boast approximately 144 feet of waterfront along Tampa Bay, with dockage and a soon-to-be installed kayak rack to enhance coastal adventures. Each unit has a designated boat slip, and this particular unit has one of the best in the deepest water. Enjoy the sunrise or mingle with neighbors at sunset on the dock as you admire the twinkling lights of Tampa across the bay. Adding to its charm, the iconic 200-year-old Lovers Oak tree stands just outside your front door. Hop on a golf cart for a 3-block ride to downtown Safety Harbor, which beckons with boutique shops, art galleries, fine and casual dining, spas, a library, and lively events like 3rd Friday celebrations. Outdoor enthusiasts will appreciate the Ream Wilson Trail across the street, which will soon connect to 75 miles of scenic trails throughout Pinellas County. Located within 20 minutes of both Tampa International Airport and St. Pete–Clearwater International Airport, this condo is perfect for those who value convenience, ease, and a vibrant lifestyle. HVAC 2015, Kitchen Appliances 2024, Washer/Dryer 2025, Water Heater 2016. Move right in and fall in love at Lovers Oak Condominium!

Features

  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 2
  • Rooms: 7
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Complex: LOVERS OAK CONDO
  • Year Built: 1980
  • Approx Sq. Feet: 1,197
  • Est. Taxes: $5,608
  • Condo Fee: $1,150 Monthly
  • Lot Desc: FloodZone
  • View: Trees/Woods, Water
  • Elem. School: Safety Harbor Elementary-PN
  • Middle School: Safety Harbor Middle-PN
  • High School: Countryside High-PN
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8396237
  • Days on Market: 154 days
  • Website: https://www.raveis.com
    /prop/TB8396237/413sbayshoreboulevard_safetyharbor_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/15/2026 6:38:11 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 727-781-3700

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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413 S BAYSHORE BOULEVARD, #5, Safety Harbor, FL, 34695

$415,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $332,000 $332,000 $332,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.156% 5.396%
Monthly Tax Payment $467 $467 $467
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,885 $1,988 $2,647
Total Monthly Payment $2,427 $2,530 $3,189

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.