
103 ROYAL COURT, SAFETY HARBOR, FL, 34695
Active27 days on marketListed Sep 23, 2026MLS #TB8551374
About this home
103 ROYAL COURT
Nestled on a premier corner cul-de-sac lot within Safety Harbor’s highly coveted Philippe Pointe neighborhood, the elevated Key West-style retreat at 103 Royal Ct stands as a masterclass in sophisticated coastal living. Expertly manicured grounds frame this grand estate, where a permanent natural buffer ensures absolute privacy, and panoramic views of Old Tampa Bay stretch across the horizon. Every morning here begins with a brilliant sunrise dancing across the water, while evenings showcase the distant, glistening lights of the Tampa skyline. The journey inside begins through custom leaded glass front doors that open up to a grand, sun-drenched main level where formal and casual spaces flow seamlessly together. For ultimate convenience and accessibility, a private home elevator (professionally installed in 2020 and updated with a brand-new backup battery in 2026) effortlessly connects the home's levels. To the left of the foyer, an expansive dining room sets an elegant stage for hosting, while straight ahead, the open family room anchors the heart of the home. Steps away, a bright, efficient kitchen serves as a natural gathering point, complete with a cozy breakfast nook and a casual snack bar. Glass doors transition the indoor living out onto a sweeping wrap-around deck, inviting you to dine alfresco against the backdrop of the bay. This level is rounded out by a quiet sunroom and office that accesses an independent open balcony, alongside two spacious bedrooms and a versatile bonus room. The entire third floor is dedicated to a spectacular, private master oasis designed around its breathtaking environment. Massive windows wrap around the suite to capture the best waterfront vistas imaginable, allowing you to wake up to the sight of the bay from every angle before stepping out onto a private balcony. Custom decor elevates the tranquility of this top-level retreat, which features an adjoining spa-like bath and deep walk-in closets. Down on the ground level, multi-generational living or guest hosting is made effortless by a private fourth bedroom suite equipped with its own full bath. This level walks straight out to a screen-enclosed backyard resort, highlighted by a pristine pool and spillover spa. A covered lanai features year-round entertaining, situated next to a massive 3-car garage with oversized bays and built-in workshop space. Meticulously maintained with robust full stucco construction, a custom paver driveway, and a durable new roof, this remarkable property sits just steps from the historic trails of Philippe Park and minutes from the vibrant boutique shopping, cafes, and local festivals of downtown Safety Harbor. Offering an unparalleled blend of multi-generational accessibility, robust construction, and timeless coastal luxury, this Safety Harbor masterpiece represents a rare opportunity to own a piece of paradise. Schedule your private tour today to experience the ultimate Florida waterfront lifestyle firsthand. ROOF = 2025 / HVAC = 4 UNITS: 2011, 2018, 2019, 2025 / WATER HEATER = 2017
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,282
Sqft
0.29 ac
Lot size
3
Garage
1994
Year built
Multi/Split
Levels
$457
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.
$9,963 /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
$9,963/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
+24.7%
$/sqft vs Safety Harbor actives
$457 vs $303
Days on market
27 vs 83 typical
Where $457/sqft sits among the 68 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)
43 of 68
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 201% 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 103 ROYAL COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$885,000
3029 KEY HARBOR DRIVE · same community
4 bd · 3.5 ba · 3,344 sqft · $265/sqft · 90 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 · Apr ’26$860,000
3025 KEY HARBOR DRIVE · same community
4 bd · 2 ba · 2,358 sqft · $365/sqft · 11 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 103 ROYAL COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 103 ROYAL COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
103 ROYAL COURT FAQs
What would the monthly payment be for 103 ROYAL COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,963/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 103 ROYAL COURT?+
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 103 ROYAL COURT?+
The most recent tax bill on record (2025) was $12,051. 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 103 ROYAL COURT?+
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 $1,500,000, this home is listed about 200% above the Safety Harbor median of $500,000. The market section on this page shows how the area is trending.
Which schools are assigned to 103 ROYAL COURT?+
Countryside High School (high), Curlew Creek 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
$1,500,000 runs 201% above the SAFETY HARBOR 34695 median — but at 3,282 sqft it's also nearly twice the size of the typical Safety Harbor listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Countryside High School, Curlew Creek Elementary School, Safety Harbor Middle School — Curlew Creek Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Richie Koster. MLS #TB8551374.
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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