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One or more photo(s) has been virtually staged. 3 BEDROOMS. 2 FULL BATHROOMS. PRIVATE POOL. 2 CAR GARAGE. NO HOA. NOT IN A FLOOD ZONE. 14 Harbor Point Pl, Safety Harbor, FL 34695 is a single family pool home with approximately 2, 035 square feet in one of the most sought after areas of Safety Harbor, giving buyers the combination of location, updates, and livability that keeps this part of Pinellas County in demand. ROOF APPROXIMATELY 1. 5 YEARS OLD. CENTRAL AC UNDER 3 YEARS OLD. NEWER APPLIANCES. GRANITE COUNTERTOPS. Those improvements matter because they give buyers a stronger starting point and reduce the number of bigger ticket items they may otherwise expect to tackle early on. The layout is comfortable and practical, with 3 true bedrooms and 2 full bathrooms, making the home a good fit for full time living, seasonal use, downsizing without sacrificing space, or buyers who want room for guests, a home office, or flexible day to day use. The kitchen already benefits from granite countertops and newer appliances, creating a more updated and functional space for cooking, gathering, and everyday living. The main living areas connect well for regular use while still giving the home enough definition to feel usable rather than overly open or wasted. The private pool is a major part of the value here and adds the kind of Florida lifestyle appeal many buyers are specifically searching for in Safety Harbor. The pool is operational, and the outdoor setup gives a future owner room to relax, entertain, or enjoy the backyard as a true extension of the home. SELLER IS WILLING TO PROVIDE CONCESSIONS FOR POOL CLEANING AND GARAGE CEILING DRYWALL REPAIR. Some small cracks around the pavers and possible pool resurfacing may be items a future owner considers over time, but the key point is that the pool is working and already in place, which matters for buyers comparing homes with and without outdoor amenities. The home is also outside a flood zone, which is an important advantage in this market. Electrical, plumbing, and windows were noted in great condition, and the water heater was reported as good, helping support the overall picture of a property where many of the important components are already in solid shape. What helps separate this home is not just the bedroom count or pool, but the way the property lines up with what buyers are actively looking for online. For buyers searching for a SAFETY HARBOR POOL HOME, a 3 BEDROOM 2 BATHROOM HOME IN SAFETY HARBOR, a SINGLE FAMILY HOME WITH A NEWER ROOF AND NEWER AC, a FLORIDA HOME WITH NO HOA, or a HOME NEAR DOWNTOWN SAFETY HARBOR WITH A PRIVATE POOL AND 2 CAR GARAGE, this property checks multiple boxes at once. Safety Harbor continues to attract attention for its walkable downtown, waterfront setting, parks, local restaurants, community feel, and convenient access to the rest of Tampa Bay, and that larger location story only adds to the appeal here. This is the kind of home that works for a buyer who wants practical updates already completed, a layout that makes sense, and a location that continues to hold attention. SOME PHOTOS HAVE BEEN VIRTUALLY EDITED.
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $415,920 | $415,920 | $415,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 6.625% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.133% | 6.739% | 5.952% |
| Monthly Tax Payment | $226 | $226 | $226 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,394 | $2,663 | $3,454 |
| Total Monthly Payment | $2,712 | $2,981 | $3,772 |
* 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.