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108 IRWIN STREET E, Safety Harbor, FL, 34695 | $1,599,000
Location. Lifestyle. Luxury. Just 1 mile from vibrant downtown Safety Harbor, this newly built custom home offers the perfect blend of walkability and privacy, set on a rare quarter-acre lot outside a flood zone.
Featuring 4 bedrooms, 3 full bathrooms, and a thoughtfully designed layout, this is not builder-grade—this is a fully upgraded custom home with 10-ft ceilings, an open-concept design, and a spacious great room centered around an oversized Cambria quartz island. The chef’s kitchen includes custom cabinetry, designer backsplash, premium GE/Bosch/Viking appliances, and a walk-in pantry.
The split floor plan provides privacy, with a luxurious owner’s suite offering a spa-style bath, frameless rain shower, and custom closets, plus a flexible office or 4th bedroom. Guest bedrooms are well positioned with beautifully finished bathrooms.
Enjoy premium porcelain tile floors, LED lighting, ceiling fans in every room, and seamless indoor-outdoor living with a large covered lanai—perfect for entertaining.
The oversized 3-car garage offers extra storage, attic access, and backyard entry. Built for durability and efficiency with impact windows, high-efficiency HVAC, superior insulation, and reinforced construction.
Outside, enjoy full irrigation, lush landscaping, and added value with optional fencing and privacy hedge installation.
Rare opportunity to own a high-end, move-in-ready custom home in one of Safety Harbor’s most desirable locations.
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: 6 days
- Website: https://www.raveis.com
/eprop/TB8491819/108irwinstreete_safetyharbor_fl?source=qrflyer
Listing courtesy of BUSINESS & REALTY CONSULTING OF FLORIDA Phone: 813-777-4527
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
108 IRWIN STREET E, Safety Harbor, FL, 34695
$1,599,000
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
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $1,279,200 | $1,279,200 | $1,279,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.263% | 6.223% | 6.164% |
| Monthly Tax Payment | $480 | $480 | $480 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $7,465 | $7,773 | $10,795 |
| Total Monthly Payment | $8,070 | $8,378 | $11,400 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388