207 12TH AVENUE S, SAFETY HARBOR, FL, 34695
Active2 days on marketListed Sep 18, 2026MLS #TB8550207
About this home
207 12TH AVENUE S
Welcome to this inviting 3-bedroom, 2-bath single-family home located just steps from Mainstreet restaurants, shops, and attractions of downtown Safety Harbor. The home offers a comfortable, open feel, highlighted by high ceilings in the living room, abundant natural light, and tile flooring throughout the main living areas. The home has recently received several significant updates, including brand-new windows, a new refrigerator, new washer and dryer, and a completely renovated primary bathroom featuring a new vanity, fixtures, and modern finishes. The kitchen provides plenty of cabinet and counter space and opens conveniently to the main living and dining areas. All three bedrooms feature comfortable living space, while the updated primary bathroom adds a fresh, modern touch to the home. Outside, enjoy a private fenced backyard with a spacious deck, providing a great place to relax or enjoy the Florida weather. The home also includes a generator, adding an extra level of convenience and preparedness during Florida storm season. Located near the heart of Safety Harbor, this home puts you close to downtown dining, shopping, parks, waterfront activities, and everything that makes Safety Harbor such a desirable place to live.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,036
Sqft
0.11 ac
Lot size
1
Garage
1990
Year built
One
Levels
$3
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.
$180 /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
$180/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
$3 vs $333
Days on market
2 vs 65 typical
Where $3/sqft sits among the 88 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 88
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 99% 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 207 12TH AVENUE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$250,000
1140 3RD STREET N · same community
2 bd · 1 ba · 1,084 sqft · $231/sqft · 1 DOM
Sold · May ’26$460,000
321 11TH AVE S · same community
2 bd · 2 ba · 1,095 sqft · $420/sqft · 13 DOM
Sold · May ’26$128,500
380 N BAYSHORE BOULEVARD UNIT 203
2 bd · 2 ba · 1,035 sqft · $124/sqft · 35 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
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 207 12TH AVENUE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 207 12TH AVENUE S — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
207 12TH AVENUE S FAQs
What would the monthly payment be for 207 12TH AVENUE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $180/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 207 12TH AVENUE S?+
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 $2,800, 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 207 12TH AVENUE 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
$2,800 is 99% below the SAFETY HARBOR 34695 median of $559,900, and at $3/sqft it sits under the Safety Harbor average of $404.
02Fresh on the market
Only 2 days on market in a Safety Harbor market that averages 65 — if it fits, move quickly.
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 CHAMPA BAY BROKER CORPORATION · Joseph Narcisse. MLS #TB8550207.
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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