108 IRWIN STREET E, Safety Harbor, FL, 34695 | $1,499,000

Located just 1 mile from vibrant downtown Safety Harbor and walking to Philippe Park, this home offers the perfect blend of peaceful suburban living with easy access to waterfront trails, bay views, boutique shops, restaurants, and the farmers market while remaining convenient to Tampa, Clearwater, and St. Pete.
New construction homes rarely come available in Safety Harbor, especially larger modern custom-built residences like this one on a spacious lot. Discover true modern coastal living in this brand-new 2026 custom-built 4-bedroom, 3-bathroom single-family home offering 2, 634 square feet of bright, open-concept living space on a generous 10, 820 square foot (quarter-acre) lot outside the flood zone.
Perfect for buyers relocating from up north seeking a modern open-layout style, this thoughtfully designed residence showcases crisp light exteriors with dark trim accents and stone veneer detailing for striking curb appeal, complemented by fresh professional landscaping, mature palms, and a wide concrete driveway leading to an oversized 3-car garage with dark doors.
Inside, soaring 10-foot ceilings, premium light neutral porcelain tile flooring throughout, LED lighting, ceiling fans in every room, and abundant natural light create a bright, airy, modern atmosphere. The expansive open-concept great room flows seamlessly into a modern chef’s kitchen featuring a large central Cambria quartz island in light neutral tones, stainless steel appliances (GE, Bosch, Viking), sleek custom cabinetry in light finish with modern hardware, designer backsplash, and a spacious walk-in pantry—ideal for effortless entertaining and everyday living.
The split floor plan ensures privacy with a generously sized primary suite offering direct lanai access, a spa-inspired bath with massive frameless glass walk-in shower, neutral tile, rainfall fixtures, double vanities, and impressive custom walk-in closets with built-in organization. Three additional bright bedrooms include a flexible fourth room perfect as a home office, plus two guest rooms each with private full baths (one with versatile wet-room styling featuring enclosed tub/shower combo). All bedrooms feature high ceilings, large windows, and consistent modern finishes.
Step outside to a large covered lanai overlooking a lush, irrigated backyard with new fencing and young Areca palms providing natural tropical privacy. Built with quality modern details including impact windows, high-efficiency systems, superior insulation, and reinforced construction throughout, this is a true custom residence—not builder-grade.
If you’re seeking a fresh, modern coastal home with clean lines, effortless indoor-outdoor flow, and the sunshine-filled Florida lifestyle you’ve been dreaming of, this move-in-ready custom residence delivers. Seller Incentives Available! Schedule your private showing today.

Features

  • Rooms: 11
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 97 x 113
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2026
  • Garage: 3-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,634
  • Acreage: 0.25
  • Lot Size: 97 x 113
  • Est. Taxes: $5,754
  • Appliances: Cooktop, Dishwasher, Disposal, Electric Water Heater, Microwave, Range Hood, Refrigerator, Water Filtration System
  • MLS#: TB8491819
  • Days on Market: 62 days
  • Website: https://www.raveis.com
    /eprop/TB8491819/108irwinstreete_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 5/31/2026 6:47:14 PM)
Listing courtesy of BUSINESS & REALTY CONSULTING OF FLORIDA   Phone: 813-777-4527

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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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108 IRWIN STREET E, Safety Harbor, FL, 34695

$1,499,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,199,200 $1,199,200 $1,199,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.125% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.350% 6.259% 6.183%
Monthly Tax Payment $480 $480 $480
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $7,190 $7,286 $10,120
Total Monthly Payment $7,795 $7,891 $10,725

* 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.