197 IRWIN STREET W, SAFETY HARBOR, FL, 34695
Pending39 days on marketListed Jul 2, 2026MLS #TB8524969
About this home
197 IRWIN STREET W
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!!!!!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,600
Sqft
0.16 ac
Lot size
1
Garage
1974
Year built
One
Levels
$397
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.
$4,229 /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
$4,229/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.
vs edgeAI estimate
+25.5%
Days on market
39 vs 62 typical
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)
Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% above the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →
Paper trail
This home's history
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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 197 IRWIN STREET W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 197 IRWIN STREET W — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
197 IRWIN STREET W FAQs
What would the monthly payment be for 197 IRWIN STREET W?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,229/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 197 IRWIN STREET W?+
The most recent tax bill on record (2025) was $4,850. 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 $635,000, this home is listed about 4% above the Safety Harbor median of $612,500. The market section on this page shows how the area is trending.
Which schools are assigned to 197 IRWIN STREET W?+
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.
Listing courtesy of ROSS A PUZZITIELLO · Ross Puzzitiello. MLS #TB8524969.
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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