3029 KEY HARBOR DRIVE, Safety Harbor, FL, 34695 | $995,000

One or more photo(s) has been virtually staged. Tucked away on a private cul-de-sac within the highly sought-after waterfront community of Philippe Pointe in Safety Harbor, this estate seamlessly blends timeless elegance with modern functionality. Situated on an expansive, secluded homesite, this 4-bedroom + office, 3. 5-bath residence with a 3-car garage offers refined living at its finest. Walk up the circular paver steps to a grand double-swing front entry that welcomes you into an impressive interior defined by soaring 12-foot ceilings, stately 8-foot solid-wood doors, and a sleek, cohesive design throughout. The heart of the home is a chef-inspired kitchen featuring an oversized center island that effortlessly opens to the family room, where a fireplace creates a warm yet refined focal point—perfect for both everyday living and upscale entertaining. Thoughtfully designed with solid wood cabinetry, stone countertops, dual walk-in pantries, and a built-in desk area, the kitchen balances beauty and utility. The intelligently designed three-way split floor plan provides exceptional privacy and flexibility, ideal for multigenerational living or guest accommodations. The luxurious primary suite is a true retreat, complete with its own fireplace, dual walk-in closets, and a spa-like ensuite featuring separate his-and-hers vanities, a walk-in shower, freestanding soaking tub, and a private water closet. An adjacent private office offers the ultimate work-from-home sanctuary. Additional highlights include an interior laundry room with utility sink, recent upgrades include KitchenAid refrigerator and dishwasher, new carpet, fresh interior paint, new sod, and a fully updated irrigation system. Major systems have been thoughtfully addressed with a 2023 roof, dual HVAC units (2023 & 2017), and recent servicing for peace of mind. The spacious 3-car garage is enhanced with a convenient storage loft with pull-down stair access, offering ample room for organization without sacrificing parking space. This exceptional property delivers privacy and functionality in one of Safety Harbor’s most desirable enclaves—just moments to Philippe Park and charming downtown with top-rated amenities.

Features

  • Rooms: 8
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 89 x 120
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Year Built: 2002
  • Garage: 3-car Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 3,344
  • Acreage: 0.31
  • Lot Size: 89 x 120
  • Est. Taxes: $14,304
  • HOA Fee: $1,700 Annually
  • Lot Desc: Cul-De-Sac, Sidewalk
  • Elem. School: Safety Harbor Elementary-PN
  • Middle School: Safety Harbor Middle-PN
  • High School: Countryside High-PN
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Refrigerator, Washer, Water Softener
  • MLS#: TB8502057
  • Days on Market: 25 days
  • Website: https://www.raveis.com
    /prop/TB8502057/3029keyharbordrive_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 12:33:50 AM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

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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

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3029 KEY HARBOR DRIVE, Safety Harbor, FL, 34695

$995,000

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 $796,000 $796,000 $796,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.385% 6.223%
Monthly Tax Payment $1,192 $1,192 $1,192
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $4,772 $4,901 $6,717
Total Monthly Payment $6,056 $6,185 $8,001

* 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.