
1120 1ST AVENUE N, SAFETY HARBOR, FL, 34695
Active21 days on marketListed Aug 14, 2026MLS #TB8538391
About this home
1120 1ST AVENUE N
This unique property offers endless possibilities, nestled on a private, secluded .63-acre lot with no community deed restrictions. A true one-of-a-kind opportunity, the property features a spacious main home, an OVERSIZED DETACHED GARAGE WITH ADDITIONAL LIVING QUARTERS (approximately 600sqft not included in listed square footage), multiple covered outdoor spaces, plenty of parking, and a large private backyard. The main home offers 4 bedrooms, 2 full bathrooms, and 1 half bath. The main floor features an inviting open gathering area with living and dining spaces that flow into the spacious kitchen. Luxury vinyl flooring, neutral paint colors, and recessed lighting create a fresh, modern feel throughout. The kitchen is designed for entertaining and features white shaker-style soft-close cabinets, stainless steel appliances, a farmhouse-style backsplash, range hood, and apron-front sink. The light-filled primary suite is conveniently located on the main floor and includes a built-in dressing table and ensuite bathroom. The ensuite features dual sinks and a floor-to-ceiling tiled walk-in shower with glass doors. A half bath and laundry area are also located on the first floor. From the downstairs living area enjoy access to the large, covered patio area with space to enjoy year-round. This fenced patio features a ceiling fan and low-maintenance artificial turf. Upstairs, you'll find 3 additional bedrooms, a full bathroom, a large living area with fireplace, a spacious storage closet, and another covered screened porch—perfect for relaxing, enjoying the breeze, or stargazing. The second-floor living area features luxury vinyl flooring, neutral paint, a built-in bookcase, and stunning stained-wood plank ceilings that add warmth and character. The oversized detached garage features two oversized garage doors and epoxy flooring, offering incredible flexibility for storage, a workshop, gym, or hobbies. A covered breezeway connects the garage to the main home. Adjacent to the garage is an approximately 600-square-foot mother-in-law quarters, complete with a kitchenette, full bathroom, living area, and 2 bedrooms—ideal for guests, extended family, a home office, or additional living space. The expansive backyard provides even more room to enjoy the Florida lifestyle, with another large covered patio perfect for quiet barbecues or gatherings with family and friends. Additional features include an outdoor fire pit, gardening space, basketball hoop, and plenty of parking. 2018 main roof, 2021 garage/mother-in-law quarters roof, and 2026 main-home water heater. Enjoy the best of Safety Harbor with a quick golf-cart ride to downtown, parks, the Safety Harbor Recreation Center, restaurants, and local attractions. Unique properties like this are hard to find. Endless possibilities, exceptional space, and a prime Safety Harbor location—welcome home!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,780
Sqft
0.63 ac
Lot size
2
Garage
1983
Year built
Two
Levels
$323
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.
$5,671 /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
$5,671/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
+14.6%
$/sqft vs Safety Harbor actives
$323 vs $324
Days on market
21 vs 65 typical
Where $323/sqft sits among the 91 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 91
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 1120 1ST AVENUE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$2,700,000
1100 S BAYSHORE BOULEVARD · same community
6 bd · 4 ba · 3,958 sqft · $682/sqft · 9 DOM
Sold · Oct ’25$2,825,000
2120 BOW LANE · same community
3 bd · 4 ba · 4,565 sqft · $619/sqft · 0 DOM
Sold · Sep ’25$1,280,000
201 4TH AVENUE S
4 bd · 2.5 ba · 2,775 sqft · $461/sqft · 1 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 1120 1ST AVENUE N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1120 1ST AVENUE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1120 1ST AVENUE N FAQs
What would the monthly payment be for 1120 1ST AVENUE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,671/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 1120 1ST AVENUE N?+
The most recent tax bill on record (2025) was $3,881. 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 1120 1ST AVENUE N?+
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 1120 1ST AVENUE N?+
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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Chris Arata. MLS #TB8538391.
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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