865 7TH STREET S, SAFETY HARBOR, FL, 34695
Active28 days on marketListed Aug 25, 2026MLS #TB8542025
About this home
865 7TH STREET S
Charming 2-Bedroom Apartment in the Heart of Safety Harbor! Love the idea of being close to everything Safety Harbor has to offer? This adorable 2-bedroom, bonus room with an updated 1 bathroom apartment is perfectly located within walking distance of downtown. Just steps from the Safety Harbor Community Center, ball fields, and skate park, you’ll have plenty to enjoy right outside your door. Take a leisurely stroll or hop on your bike and head down to Bayshore Boulevard to enjoy the beautiful waterfront, marina, parks, and everything that makes Safety Harbor such a special place to call home. Even better — water is included with your rent, up to $100 per month! Come enjoy the convenience, charm, and laid-back lifestyle of Safety Harbor!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,100
Sqft
0.14 ac
Lot size
1974
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $333
Days on market
28 vs 65 typical
Where $2/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)
49 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 100% below the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 865 7TH STREET S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$645,000
785 5TH STREET S · same community
3 bd · 2 ba · 1,842 sqft · $350/sqft · 189 DOM
Sold · Feb ’26$640,000
613 S BAYSHORE BOULEVARD · same community
2 bd · 2 ba · 1,974 sqft · $324/sqft · 1 DOM
Sold · Dec ’25$790,000
603 5TH STREET S · same community
4 bd · 2.5 ba · 2,444 sqft · $323/sqft · 214 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 865 7TH STREET S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 865 7TH STREET S — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
865 7TH STREET S FAQs
What would the monthly payment be for 865 7TH STREET S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 865 7TH STREET S?+
The listing reports pets: No. 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 $2,250, this home is listed about 100% below the Safety Harbor median of $599,900. The market section on this page shows how the area is trending.
Which schools are assigned to 865 7TH STREET S?+
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
01Under the SAFETY HARBOR 34695 market on paper
$2,250 is 100% below the SAFETY HARBOR 34695 median of $562,400, and at $2/sqft it sits under the Safety Harbor average of $404.
02Strong 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.
03The price has already moved
Listed at $2,400, now $2,250 — a $150 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Janice Mason. MLS #TB8542025.
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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