65 HARBOR WOODS CIRCLE, Safety Harbor, FL, 34695 | $589,900

Under contract-accepting backup offers. One or more photo(s) has been virtually staged. SAFETY HARBOR GEM in a wonderful location in HIGHLY-RATED SCHOOL DISTRICT – and in CENTRALLY LOCATED IN TAMPA BAY! Great location -- 2 mins. from waterfront-lined Philippe Park with public boat launch, trails, historic sites and more! And - 5 mins. from lovely Safety Harbor (see more detail below)! Beautifully maintained POOL HOME w/HEATED SPA on a spacious CORNER LOT in highly sought-after neighborhood of Harbor Woods – 3 BR / 2 BA / 2-CAR GAR. Oversized yard, OUTDOOR BAR area, and HUGE COVERED LANAI create the ultimate outdoor oasis for entertaining and relaxing. Add an outdoor TV in the bar area to watch sports or a show while dipping/floating in the pool – the perfect Florida lifestyle! Inside, you’ll find ENGINEERED MAPLE WOOD FLOORS (2018), a cozy WOOD-BURNING FIREPLACE, and an updated MASTER SUITE with sliders opening to the pool and backyard. Kitchen features QUARTZ COUNTERTOPS, snack bar seating, and NEWER APPLIANCES (2019). Indoor laundry includes WASHER & DRYER (2024). Step out back to your own PRIVATE RETREAT – SALTWATER POOL resurfaced in 2024 with propane-heated SPA, rescreened pool cage and recently painted pool cage frame (2025). BRAND-NEW ELECTRICAL PANEL (2025), roof (2014), epoxy-finished garage floor (2025), new bedroom closet doors (2025), newer windows + hurricane shutters (plus brand-new 3rd bedroom window 2025) = peace of mind! Harbor Woods is a peaceful, tree-lined neighborhood just minutes from vibrant Downtown Safety Harbor. Explore charming boutiques, restaurants, and lively community events like the Third Friday festivals and the Seafood Festival. Spend your weekends at Philippe Park, a 122-acre waterfront retreat with trails, playgrounds, picnic areas, and breathtaking views of Tampa Bay. Or unwind with a stroll along the Safety Harbor Marina and Waterfront Park before catching a sunset at the pier. And - if you love live music, this town is for you – live music at multiple locations on Main Street almost every day of the week! Safety Harbor is not just a town, it’s truly a COMMUNITY. This is more than a home – it’s a MOVE-IN READY FLORIDA LIFESTYLE in a prime location. Schedule your private showing today!

Features

  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 92 x 130
  • Laundry: Inside, Laundry Closet
  • Style: Florida, Traditional
  • Year Built: 1979
  • Garage: 2-car Driveway, Garage Door Opener, Garage Faces Side
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,742
  • Acreage: 0.27
  • Lot Size: 92 x 130
  • Est. Taxes: $2,548
  • HOA Fee: $30 Annually
  • Lot Desc: Corner Lot, City Lot, Irregular Lot, Landscaped, Near Public Transit, Sidewalk
  • View: Garden, Trees/Woods
  • Elem. School: Leila G Davis Elementary-PN
  • Middle School: Safety Harbor Middle-PN
  • High School: Countryside High-PN
  • Pool: Gunite, Heated, In Ground, Salt Water, Screen Enclosure, Tile
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8420422
  • Days on Market: 101 days
  • Website: https://www.raveis.com
    /prop/TB8420422/65harborwoodscircle_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 2/9/2026 9:34:03 AM)
Listing courtesy of ENGEL & VOELKERS UPPER TAMPA BAY   Phone: 813-693-1003

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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65 HARBOR WOODS CIRCLE, Safety Harbor, FL, 34695

$589,900

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 $471,920 $471,920 $471,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.250% 6.000% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.112% 6.178% 5.541%
Monthly Tax Payment $212 $212 $212
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,606 $2,829 $3,794
Total Monthly Payment $2,910 $3,133 $4,098

* 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.