CENTURY 21 Edge
$324,9002 bd1 ba939 sqft$346 /sqft≈$2,711 /mo all-in ↓

345 PLYMOUTH STREET, SAFETY HARBOR, FL, 34695

Active13 days on marketListed Oct 6, 2026MLS #TB8555360

✦ Priced 35% below the SAFETY HARBOR 34695 medianVillaBAY TOWNE

About this home

345 PLYMOUTH STREET

Less upkeep, more Florida—this updated 2-bedroom, 1-bath villa in Safety Harbor’s Bay Towne community makes a compelling case for enjoying life beyond your to-do list. Whether you’re looking for a year-round home or a seasonal retreat, this single-story residence pairs solid block construction with thoughtful updates, smart technology, and inviting outdoor space... Inside, vaulted ceilings add an airy feel to the living and dining area, complemented by textured ceilings with the popcorn finish removed, recessed lighting, updated outlets, and a newer ceiling fan. The kitchen brings style and function together with granite countertops, a butcher-block accent, updated appliances, and reverse-osmosis filtration at the sink. The bathroom features updated vanities and tile work... The improvements reach well beyond the finishes. The seller reports a 2020 roof, hurricane-impact windows, whole-home re-piping completed in 2023, and upgraded attic insulation with a radiant barrier. The Trane HVAC system has received replacement coils and a blower, with the air handler relocated from the attic to a hall closet for easier access. A REME HALO air purification system adds another thoughtful touch... Smart lighting, Cat 6 Ethernet connections in both bedrooms and the living room, wired front and rear security cameras, and a Tesla Level 2 EV wall charger bring everyday convenience into the mix... Solar power adds another appealing benefit: enjoy renewable energy without the upfront expense of purchasing panels. The seller reports current monthly costs of approximately $106 for the solar lease plus $30 to Duke Energy—approximately $136 combined, leaving more room in the budget for enjoying Florida. The existing solar setup offers the buyer an opportunity to assume the lease, subject to provider approval. The seller also reports an option to discontinue after three years, subject to the agreement’s terms and provider confirmation. Actual electricity costs and savings vary with usage, solar production, and utility rates... Outside, an awning-covered front porch offers a welcoming place to pause, while the screened rear patio with pavers and fenced backyard invite outdoor dining, morning coffee, or a little well-earned downtime. Located in Flood Zone X, the property also offers access to a community pool. Per the seller, HOA services include lawn care, cable TV, high-speed internet, and select streaming subscriptions; buyers should confirm current coverage with the association... Then there’s the location: nearby downtown Safety Harbor offers Main Street shops, local restaurants, arts, and community events, while Philippe Park delivers shaded grounds and beautiful bay views. Enjoy the historic Safety Harbor Resort & Spa, explore local parks and trails, or head west for a Gulf beach day at Clearwater Beach, Honeymoon Island, Sand Key, Indian Rocks Beach, or Indian Shores. Access to Clearwater, Tampa, St. Petersburg, Tampa International Airport, and St. Pete–Clearwater International Airport keeps regional destinations within reach... A comfortable home base with plenty of reasons to get out and enjoy Florida—schedule your showing and discover the possibilities.

Facts & features

The home at a glance

2

Bedrooms

1

Bathrooms

939

Sqft

0.06 ac

Lot size

1980

Year built

One

Levels

$346

Per sqft

Pets allowed

Inside

FlooringCeramic Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · Solid Surface Counters · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesSouth
ExteriorRain Gutters · Sliding Doors · Storage

Community & fees

HOA fee$175/mo
Taxes (2025)$3,841/yr
PetsYes
CommunityAssociation Recreation - Owned · Clubhouse · Deed Restrictions · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$2,711 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property tax — 2025 actual bill$320
HOA fee — from the listing$175
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,372Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,372
Interest rate6.00%
Loan term

Estimated payment

$2,711/mo

Principal & interest$1,913
FHA mortgage insurance (est.)$144
Property taxes (actual bill)$320
HOA / condo fee$175
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

List $325K
$266KedgeAI estimate $291,281 · range $277K–$304K$338K

vs edgeAI estimate

+11.5%

$/sqft vs Safety Harbor actives

$346 vs $299

Days on market

13 vs 83 typical

Where $346/sqft sits among the 69 Safety Harbor actives

16
19
14 · this home
8
6
6
$130–215$215–299$299–384$384–468$468–552$552+

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 Bay Towne

Drive times from this address

Tampa Int’l Airport (TPA)≈ 28 min
Downtown Tampa≈ 31 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Safety Harbor. See the full Safety Harbor guide →

Bay Towne — neighborhood snapshot

Population

597

Median age

50

Median income

$87,029

Median home value

$380,755

Avg household

2

Households w/ children

89%

For the school run

Pinellas County School District

MiddleSafety Harbor Middle School★★★★★
ElementarySafety Harbor Elementary School★★★★★
HighCountryside High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Safety Harbor market

Seller’s marketLeans seller — 3.2 months of inventoryBuyer’s market

$548K → $554K

Safety Harbor median sold, yr/yr

96.9%

Sale-to-list ratio (12 mo)

44 of 69

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 35% below the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →

Paper trail

This home's history

Oct 6, 2026Listed at $324,900 · 13 days on market since
1980Built · BAY TOWNE

Reality check

What actually sold near 345 PLYMOUTH STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

337 PLYMOUTH STREETSold · Jul ’26

$300,000

337 PLYMOUTH STREET · same community

2 bd · 1 ba · 939 sqft · $319/sqft · 1 DOM

317 PLYMOUTH STREETSold · Sep ’26

$239,000

317 PLYMOUTH STREET · same community

2 bd · 1 ba · 939 sqft · $255/sqft · 203 DOM

288 SALEM STREETSold · Jul ’26

$280,000

288 SALEM STREET · same community

2 bd · 1 ba · 939 sqft · $298/sqft · 100 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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 345 PLYMOUTH STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 345 PLYMOUTH STREET — before you fall in love.

See it in person

Schedule a tour

Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

345 PLYMOUTH STREET FAQs

What would the monthly payment be for 345 PLYMOUTH STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,711/mo — principal and interest, the actual property-tax bill, the $175/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 345 PLYMOUTH STREET?+

The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 345 PLYMOUTH STREET?+

The most recent tax bill on record (2025) was $3,841. 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 345 PLYMOUTH STREET?+

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 $324,900, this home is listed about 35% below the Safety Harbor median of $500,000. The market section on this page shows how the area is trending.

Which schools are assigned to 345 PLYMOUTH STREET?+

Safety Harbor Middle School (middle), Safety Harbor Elementary School (elementary), Countryside High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of DALTON WADE INC · Vivian Resnick. MLS #TB8555360.

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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345 PLYMOUTH STREET, SAFETY HARBOR, FL — 2 Bed, 1 Bath — $324,900 | CENTURY 21 Edge