690 2ND STREET S, SAFETY HARBOR, FL, 34695
Active8 days on marketListed Oct 5, 2026MLS #TB8554961
About this home
690 2ND STREET S
Timeless character, a treasured family history, and an exceptional downtown Safety Harbor location! Situated on a double corner lot just one block from Main Street, this special property was built by the family who has owned it since 1951. Whether you’re drawn to its original charm or envision building your dream home in this prime location, this property offers exciting possibilities. The four-bedroom, three-bathroom main home features two primary bedrooms, each with its own ensuite bathroom. Original hardwood floors add warmth and character, while the lovely screened porch provides an inviting place to unwind. The shady backyard, accented by beautiful murals, is ready for entertaining. A separate one-bedroom, one-bathroom apartment above the oversized two-car garage adds flexibility for guests, extended family, or potential rental income.The garage offers abundant shelving for storage and a spacious workshop area. Additional features include a water softener, Generac generator, natural gas range, tankless water heater, two washers, two dryers, a well-fed irrigation system for the lawn and landscaping, and rear alley access. Located outside a designated flood zone. Enjoy the charm of this golf cart community, with Main Street’s restaurants and local attractions within easy walking distance. Experience lively Third Friday celebrations, street festivals, the popular annual November wine festival, and the Christmas parade. Just steps from Tampa Bay, the newly restored marina and beautiful pier offer opportunities to take in the waterfront views or enjoy fishing. Embrace the home’s character, explore its income potential, or imagine a new beginning in this sought-after location.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,499
Sqft
0.09 ac
Lot size
2
Garage
1961
Year built
One
Levels
$584
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.
$5,285 /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
$5,285/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
+67.5%
$/sqft vs Safety Harbor actives
$584 vs $299
Days on market
8 vs 86 typical
Where $584/sqft sits among the 71 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 71
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 75% 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 690 2ND 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 · Dec ’25$1,180,000
238 7TH AVENUE S · same community
4 bd · 3 ba · 2,535 sqft · $465/sqft · 130 DOM
Sold · Apr ’26$590,000
1204 SAN DOMINGO COURT
3 bd · 2 ba · 1,494 sqft · $395/sqft · 4 DOM
Sold · May ’26$891,000
775 S BAYSHORE BOULEVARD
3 bd · 2 ba · 1,508 sqft · $591/sqft · 12 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 690 2ND STREET S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 690 2ND STREET S — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
690 2ND STREET S FAQs
What would the monthly payment be for 690 2ND STREET S?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,285/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 690 2ND STREET S?+
The most recent tax bill on record (2025) was $901. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Safety Harbor?+
At $875,000, this home is listed about 62% above the Safety Harbor median of $539,000. The market section on this page shows how the area is trending.
Which schools are assigned to 690 2ND STREET S?+
Safety Harbor Elementary School (elementary), Safety Harbor Middle School (middle), Countryside High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of IVY LEAGUE REALTY · Traci Emery-Jones. MLS #TB8554961.
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.
Never miss a listing
New Safety Harbor homes, in your inbox
Like 690 2ND STREET S but not quite? A daily digest of every new listing in Safety Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Nicholas to ping you on any price or status change →