3009 KEY HARBOR DRIVE, SAFETY HARBOR, FL, 34695
Active14 days on marketListed Aug 21, 2026MLS #TB8538145
About this home
3009 KEY HARBOR DRIVE
LOCATION! LOCATION! LOCATION! Water views from your front door! Welcome to the quaint, Tampa Bay waterfront community of Philippe Pointe. This sprawling ranch home with 4 bedrooms plus office is perfect for large families. Features include split bedrooms, high ceilings, inside laundry room with washer and dryer and a pool bath with new door to the lanai. The updated kitchen overlooks a family room with built in shelving and a wood burning fireplace. Spacious primary bedroom/bathroom suite with walk in closet, double sinks, water closet, soaking tub and separate shower. Multiple sliding doors lead to a large, covered porch and screened in pool area. Additional highlights include tile throughout, 3 car garage with electric car outlet, A/C replaced 2026, new gutters, new windows and new front door.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,504
Sqft
0.23 ac
Lot size
3
Garage
1994
Year built
One
Levels
$359
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 and the real association fee — not generic estimates.
$5,898 /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
$5,898/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
+7%
$/sqft vs Safety Harbor actives
$359 vs $319
Days on market
14 vs 65 typical
Where $359/sqft sits among the 89 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 89
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 82% 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 3009 KEY HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$860,000
3025 KEY HARBOR DRIVE · same community
4 bd · 2 ba · 2,358 sqft · $365/sqft · 11 DOM
Sold · Oct ’25$1,450,000
104 WESTBROOK COURT · same community
3 bd · 2.5 ba · 3,080 sqft · $471/sqft · 155 DOM
Sold · Aug ’26$1,550,000
404 MARSHALL STREET
4 bd · 3.5 ba · 2,554 sqft · $607/sqft · 33 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3009 KEY HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3009 KEY HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3009 KEY HARBOR DRIVE FAQs
What would the monthly payment be for 3009 KEY HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,898/mo — principal and interest, the actual property-tax bill, the $142/mo association fee 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.
How much are the HOA fees at 3009 KEY HARBOR DRIVE?+
The association fee works out to $142 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3009 KEY HARBOR DRIVE?+
The most recent tax bill on record (2025) was $4,898. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3009 KEY HARBOR DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Safety Harbor?+
At $899,000, this home is listed about 50% 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 3009 KEY HARBOR DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$899,000 runs 82% above the SAFETY HARBOR 34695 median — but at 2,504 sqft it's also 31% larger than the typical Safety Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 COAST TO COAST · Jennifer Malone. MLS #TB8538145.
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.
Never miss a listing
New Safety Harbor homes, in your inbox
Like 3009 KEY HARBOR DRIVE but not quite? A daily digest of every new listing in Safety Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Cindy to ping you on any price or status change →