
231 2ND STREET S UNIT 202, SAFETY HARBOR, FL, 34695
Active30 days on marketListed Aug 21, 2026MLS #TB8540963
About this home
231 2ND STREET S UNIT 202
Welcome to 231 2nd St S #202, a rare opportunity in the heart of highly sought-after downtown Safety Harbor. Located in The Residences at Harbour Pointe West, an exclusive 12-unit community built in 2022, this beautifully maintained corner unit residence combines modern elegance, quality craftsmanship, and small-town charm. From the moment you arrive, you’ll notice the solid block construction, impact-rated windows and doors, and attractive exterior that fits perfectly with the character of Safety Harbor. The private lobby and secured entrances provide added peace of mind. The property also offers under-building assigned parking and a private 5x7 climate-controlled storage room. Inside, the bright open-concept floor plan features a desirable split-bedroom layout, 9-foot ceilings, and luxury vinyl plank flooring throughout. The welcoming foyer includes a stylish half-bath and opens into a spacious living area that’s perfect for entertaining. The kitchen is truly a highlight, featuring crisp white custom shaker cabinetry, Quartz countertops, a large island with additional storage, tile backsplash, premium Bosch appliances and a gas cooktop. The kitchen flows naturally into the dining area and sun-filled living room, where oversized windows and sliding glass doors open to a generous private balcony with an east and southern exposure overlooking the lively downtown surroundings and bay views! The spacious primary suite offers two custom closet systems and a beautiful spa-inspired en-suite bath with a double vanity, walk-in shower, soaking tub, and seamless glass enclosure. The guest bedrooms are situated on the opposite side of the home, providing privacy. A dedicated laundry room with a built-in sink, and plenty of storage adds even more functionality. No flood insurance required, and the community is pet friendly! Condo fees include building insurance, water, sewer, trash, gas, elevator maintenance, the building-wide water-softener system, reserves, secured building entry, and exterior maintenance, providing the convenience of stress-free living. Best of all, you’re just steps from the Safety Harbor Spa, waterfront, boutique shops, street festivals/markets, and award-winning restaurants, with easy access to Tampa Bay and Florida’s world-class beaches. Enjoy the best of both worlds—small-town charm, a vibrant downtown lifestyle, and all the modern conveniences you could want. This is Florida living at its finest!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,740
Sqft
0 ac
Lot size
2022
Year built
One
Levels
$574
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.
$6,374 /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
$6,374/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
$574 vs $333
Days on market
30 vs 65 typical
Where $574/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)
45 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 78% 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 231 2ND STREET S UNIT 202
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$780,000
231 2ND STREET S UNIT 201 · same community
2 bd · 2.5 ba · 1,550 sqft · $503/sqft · 131 DOM
Sold · Mar ’26$410,000
1111 N BAYSHORE BOULEVARD UNIT E10
2 bd · 2.5 ba · 1,722 sqft · $238/sqft · 273 DOM
Sold · Jan ’26$625,000
975 HARBOR HILL DRIVE
3 bd · 3 ba · 1,703 sqft · $367/sqft · 32 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 231 2ND STREET S UNIT 202 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 231 2ND STREET S UNIT 202 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
231 2ND STREET S UNIT 202 FAQs
What would the monthly payment be for 231 2ND STREET S UNIT 202?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,374/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 231 2ND STREET S UNIT 202?+
The most recent tax bill on record (2025) was $5,391. 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 231 2ND STREET S UNIT 202?+
The listing reports pets: Breed Restrictions, Number Limit. 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 $999,000, this home is listed about 67% 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 231 2ND STREET S UNIT 202?+
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
$999,000 runs 78% above the SAFETY HARBOR 34695 median.
02City & Water views
The city and water view is part of what you're buying — views hold value independently of the structure.
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 CHARLES RUTENBERG REALTY INC · Elena Kapetaneas. MLS #TB8540963.
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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