197 IRWIN STREET W, Safety Harbor, FL, 34695 | $635,000

Welcome to your very own private tropical retreat located in the highly sought after Safety Harbor community! This rare opportunity is a remodeled and pristinely well-maintained home with a large pool, deck and fenced yard. This home features 3 bedrooms, and 2 updated bathrooms and has a split-floor plan. As you enter, you will find a large area for a dining table and 6 chairs or use this space for a main or second family room. Each bedroom has spacious closet space, and a guest bedroom features French glass doors leading out to the pool area and backyard. You will find hardwood floors and ceramic tiles throughout. The second bath features beautiful marble looking tile to the ceiling with a jetted tub for a relaxing bath. Step into the kitchen to find new granite countertops, new farm sink and faucet, new oven range and microwave. Enjoy the view from the kitchen sink watching your family and friend swim in the large pool or just admire the tropical oasis right in your own backyard. This house features a one car garage interior pass-through laundry room with washer and dryer. Step into your spacious 2nd bonus/family room with vaulted ceilings and glass French door overlooking the pool. Enter the spacious master bedroom with large window overlooking the pool. You can exit the master through glass doors onto a screened in patio sitting area. Exit the screened area onto a astroturf backyard, around the large pool area with a fence in backyard lined with beautiful tropical palm trees! This area is great for hosting gatherings with friends and family. There is a large shed out back for extra storage, tools etc. This home also features hurricane resistance windows and has hurricane shutters.

Along with all its amenities, this home is walking distance to Phillippe Park where you can walk along the bay and see Dolphin and Manatee playing, Bike down to the Safety Harbor Marina to see pink spoonbills or drive your golf cart to restaurants and festivals downtown. Drive 30 minutes to beautiful Clearwater Beach and only 20 minutes to Tampa International Airport or St. Petersburg/Clearwater Airport. Location!!! Location!! This place has it ALL!!!!!

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 60 x 117
  • Laundry: Inside
  • Year Built: 1974
  • Garage: 1-car
  • Heating: Central, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,600
  • Acreage: 0.16
  • Lot Size: 60 x 117
  • Est. Taxes: $4,850
  • Elem. School: Safety Harbor Elementary-PN
  • Middle School: Safety Harbor Middle-PN
  • High School: Countryside High-PN
  • Pool: Deck, In Ground
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener
  • MLS#: TB8524969
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8524969/197irwinstreetw_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 7/5/2026 12:44:35 AM)
Listing courtesy of ROSS A PUZZITIELLO   Phone: 727-647-9166

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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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197 IRWIN STREET W, Safety Harbor, FL, 34695

$635,000

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 $508,000 $508,000 $508,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $404 $404 $404
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,042 $3,208 $4,218
Total Monthly Payment $3,538 $3,704 $4,714

* 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.