108 IRWIN STREET E, SAFETY HARBOR, FL, 34695
Active176 days on marketListed Mar 30, 2026MLS #TB8491819
About this home
108 IRWIN STREET E
Virtually Staged. Welcome to brand-new custom construction in the heart of Safety Harbor, where thoughtful design, quality craftsmanship, and exceptional functionality come together in a move-in-ready home—without the wait of building. This beautifully designed 3-bedroom, 3-bath residence offers 2,634 sq. ft. of living space, a spacious private flex room/office, an oversized 3-car garage, and an approximately 400-sq.-ft. raised covered lanai that creates an impressive extension of the indoor living and entertaining space. The open-concept floor plan features 10-foot ceilings, porcelain tile flooring, designer lighting, and abundant natural light. At the heart of the home is a beautifully appointed kitchen featuring solid wood cabinetry, Cambria quartz countertops, a full-height quartz backsplash, premium stainless-steel appliances, a large statement island, and a walk-in pantry. The generous primary suite is designed as a private retreat with two custom walk-in closets, dual vanities, and an oversized designer walk-in shower. The split-bedroom floor plan provides privacy for family and guests, while the large flex room offers exceptional versatility as an executive home office, den, fitness room, media room, or additional guest space. Outdoor living is equally impressive with an approximately 400-sq.-ft. raised covered lanai featuring a TV connection and water and gas rough-ins for a future outdoor kitchen. Quality construction extends well beyond the finishes, including reinforced concrete-block construction, a stem-wall foundation, Timberline HDZ shingles with peel-and-stick roof underlayment, R-38 attic insulation, impact windows, fiberglass exterior doors, an in-wall pest-control system, irrigation, new landscaping, fencing, and a new lift station and meter representing a substantial infrastructure investment. Located in desirable Flood Zone X with NO HOA, this property combines the advantages of new construction with the freedom and lifestyle buyers seek in Safety Harbor. Enjoy convenient access to charming Downtown Safety Harbor, Philippe Park, Tampa Bay, restaurants, boutiques, recreation, and the many amenities that make this community so desirable. Completed, move-in ready, and available now. An exceptional opportunity to own a brand-new custom home in one of Tampa Bay’s most desirable communities.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,634
Sqft
0.25 ac
Lot size
3
Garage
2026
Year built
One
Levels
$455
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$7,559 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,559/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Safety Harbor actives
$455 vs $324
Days on market
176 vs 65 typical
Where $455/sqft sits among the 87 Safety Harbor actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Safety Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Safety Harbor. See the full Safety Harbor guide →
SAFETY HARBOR 34695 — neighborhood snapshot
Population
17,882
Median age
50.6
Median income
$96,138
Median home value
$418,200
Avg household
2.42
Households w/ children
1,727
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Safety Harbor market
$548K → $554K
Safety Harbor median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
47 of 87
Safety Harbor actives have cut their price
Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 113% above the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 108 IRWIN STREET E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$1,375,000
1200 4TH STREET S
3 bd · 3.5 ba · 2,702 sqft · $509/sqft · 1 DOM
Sold · Nov ’25$907,000
1005 MAIN STREET
3 bd · 2 ba · 2,550 sqft · $356/sqft · 124 DOM
Sold · Dec ’25$1,180,000
238 7TH AVENUE S
4 bd · 3 ba · 2,535 sqft · $465/sqft · 130 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 108 IRWIN STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 108 IRWIN STREET E — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
108 IRWIN STREET E FAQs
What would the monthly payment be for 108 IRWIN STREET E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,559/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 108 IRWIN STREET E?+
The most recent tax bill on record (2025) was $5,754. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Safety Harbor?+
At $1,199,000, this home is listed about 100% above the Safety Harbor median of $599,900. The market section on this page shows how the area is trending.
Which schools are assigned to 108 IRWIN STREET E?+
Countryside High School (high), Leila Davis Elementary School (elementary), Safety Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,199,000 runs 113% above the SAFETY HARBOR 34695 median — but at 2,634 sqft it's also 38% larger than the typical Safety Harbor listing.
02Time on market is leverage
176 days on market against a Safety Harbor median of 65 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Countryside High School, Leila Davis Elementary School, Safety Harbor Middle School — Leila Davis Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,599,000, now $1,199,000 — a $400K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BUSINESS & REALTY CONSULTING OF FLORIDA · Emiliya Cogdill. MLS #TB8491819.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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