321 11TH AVE S, Safety Harbor, FL, 34695 | $449,000

Under contract-accepting backup offers. There’s a moment, just before the sun rises over Safety Harbor, when everything feels quietly possible.

You step outside with a cup of coffee, and instead of planning your day—you feel it unfolding around you. Because here, you don’t just live somewhere. You live in the middle of everything that matters.

Less than 500 feet away, Main Street Safety Harbor begins to stir. A short walk puts you among local cafés, restaurants, and the kind of small-town charm that makes everyday living feel effortless. No car, no coordination—just step outside and you’re there.

But this home isn’t just about location—it’s about how easily life flows around it.

Just a short walk down the road and you'll find 7th Street Park and Safety Harbor Recreation Center offers baseball fields, basketball courts, a gymnasium, dog park, and even beach volleyball. Morning workouts, evening games, weekend activities—it’s all right there, ready when you are.

And when you want to slow things down, a peaceful lake just a stroll away invites you to kayak, fish, or simply reset by the water.

Then there are the bigger escapes. In under 10 miles, you’re at Clearwater Beach—world-renowned for its white sand and Gulf sunsets. Travel is just as effortless, with Tampa International Airport only 14 miles away, making both quick trips and long getaways incredibly convenient.

Set within this ideal location is a charming coastal bungalow designed for both comfort and flexibility. The home features 2 bedrooms and 2 full bathrooms, with a bonus room that was once a third bedroom. Today, it offers expanded living space—perfect for a home office, den, or media room—but could easily be converted back into a third bedroom if desired.

A 1-car garage adds practical convenience, while the home’s position in an elevated area of the city provides something increasingly valuable in Florida—peace of mind. During rainy season, flooding and water concerns are simply not part of the equation here.

And that’s what truly sets this home apart.

It’s not just the walkability.
It’s not just the recreation.
It’s not just the proximity to beaches and travel.

It’s the way everything comes together to give you more time, more freedom, and more choice in how you live each day.

Morning coffee on Main Street.
An afternoon at the park.
A sunset by the water.

All without the friction of distance.

This isn’t just a home—it’s what it feels like when location finally works for you.

Features

  • Rooms: 3
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: In Garage
  • Style: Bungalow, Coastal
  • Year Built: 1985
  • Garage: 1-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,095
  • Acreage: 0.14
  • Est. Taxes: $5,797
  • Elem. School: Safety Harbor Elementary-PN
  • Middle School: Safety Harbor Middle-PN
  • High School: Countryside High-PN
  • Appliances: Dryer, Refrigerator, Washer
  • MLS#: TB8499023
  • Days on Market: 13 days
  • Website: https://www.raveis.com
    /prop/TB8499023/32111thaves_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 5/13/2026 3:47:08 PM)
Listing courtesy of BLAKE REAL ESTATE INC   Phone: 727-359-0388

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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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321 11TH AVE S, Safety Harbor, FL, 34695

$449,000

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 $359,200 $359,200 $359,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.374% 6.524% 5.866%
Monthly Tax Payment $483 $483 $483
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,154 $2,241 $2,959
Total Monthly Payment $2,712 $2,799 $3,517

* 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.