413 S BAYSHORE BOULEVARD, #4, Safety Harbor, FL, 34695 | $395,000

Bring your boat, your kayak, your paddle board and your sense of adventure because this is where coastal living and downtown charm come together in a way that’s truly rare. Perfectly positioned in the heart of Safety Harbor, this top-floor, corner unit residence at Lovers Oak Condominium offers more than just a beautiful home it delivers a lifestyle that few properties can match. Just blocks from the vibrant energy of downtown, recently recognized as one of the most desirable places to live in the Tampa Bay area, you’ll enjoy effortless access to boutique shopping, dining, festivals, and waterfront parks. But what truly sets this opportunity apart is on the water. This residence includes a dedicated boat slip an incredible find this close to downtown, but this unit stands out with one of the best slips in the community, positioned in the deepest water for optimal access. Even more exceptional, the slip is equipped with a lift, offering convenience, protection, and immediate readiness for your next day on the bay. No bridges, no waiting just lower your boat and go. Whether you’re setting out for a sunrise cruise, an afternoon of fishing, enjoying the many dolphins and manatees or a sunset paddle along the shoreline, everything you love about Florida waterfront living is right outside your door. With approximately 144 feet of community waterfront and a planned kayak launch and kayak storage, every day invites a new adventure. Inside this 2 bedroom, 2 bathroom condo with 1 car carport is thoughtfully updated modern finishes, the kitchen and baths blend style and functionality, while the light-filled sunroom showcases sweeping views of Tampa Bay an ideal space to relax and take in the ever-changing water views. Step outside and you’re greeted by the timeless beauty of the iconic 200-year-old Lovers Oak tree, a natural landmark that adds character and charm to your everyday surroundings. From there, it’s just a quick golf cart ride or short stroll into downtown, where community events, art, dining, and coastal culture come alive. For those who love the outdoors, the Ream Wilson Trail sits just across the street and will soon connect to an expansive 75-mile trail network throughout Pinellas County. Whether you’re seeking a full-time residence or a lock-and-leave retreat, this impeccably maintained condo offers the perfect blend of ease, location, and lifestyle, just 20 minutes from both Tampa International and St. Pete/Clearwater airports. Opportunities like this, downtown living with a deep-water boat slip and lift are exceptionally hard to find. Move in, step out, and start living the waterfront lifestyle you’ve been waiting for.

Features

  • Heating: Central
  • Cooling: Central Air
  • Levels: 2
  • Rooms: 4
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside, Laundry Closet
  • Complex: LOVERS OAK CONDO
  • Year Built: 1980
  • Approx Sq. Feet: 1,197
  • Acreage: 0.61
  • Est. Taxes: $5,753
  • Condo Fee: $920 Monthly
  • Water Front: Yes
  • Elem. School: Safety Harbor Elementary-PN
  • Middle School: Safety Harbor Middle-PN
  • High School: Countryside High-PN
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8470905
  • Days on Market: 104 days
  • Website: https://www.raveis.com
    /prop/TB8470905/413sbayshoreboulevard_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 5/25/2026 8:32:12 AM)
Listing courtesy of ENGEL & VOLKERS BELLEAIR   Phone: 727-461-1000

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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413 S BAYSHORE BOULEVARD, #4, Safety Harbor, FL, 34695

$395,000

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 $316,000 $316,000 $316,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $479 $479 $479
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,946 $1,995 $2,624
Total Monthly Payment $2,500 $2,549 $3,178

* 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.