176 CLUBVIEW DRIVE UNIT 3, SAFETY HARBOR, FL, 34695
Active16 days on marketListed Oct 23, 2026MLS #TB8559617
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Upcoming open house
Sun, Nov 8
11:00 AM – 1:00 PM
About this home
176 CLUBVIEW DRIVE UNIT 3
Welcome to your turn-key, lake front home! This open floor plan, spacious approximately 1600 square foot home has five windows facing south right on Horseshoe Lake. Its thoughtfully designed remodeled kitchen welcomes your visitors to an entertaining quartz counter top island, newer appliances, brand new Samsung glass-top range, tongue and groove ceiling and ample storage in soft close cabinets. Unlike most homes here, there is a large inside laundry room down the hallway. 2026 Samsung washer and Maytag dryer convey. Both bathrooms are updated. The primary bath has an ease-of-use walk-in shower, granite counter top vanity and tile floors. The second bath has had the sub-floor replaced, tiled shower and laminate floors with newer vanity. The surprise to this home is the original car port that has been converted to air living space adding 341 square feet to the total square footage of the home. All interior and exterior doors have been replaced. Enjoy sunsets on the paver patio next to the lake. Vinyl siding makes cleaning a breeze. Gutters on 2 sides of the home. Epoxy driveway. Landscaped on all sides. Monthly fees include water, sewer, trash, maintenance of grounds and amenities and mowing. This home is quiet, set in the rear of the community and steps away from the pool & hot tub, pickleball court, and fitness center. This active community with card games, bowling league, dances and events is waiting to meet you!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,603
Sqft
0.09 ac
Lot size
1985
Year built
Multi/Split
Levels
$140
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.
$1,853 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,853/mo
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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+0.2%
$/sqft vs Safety Harbor actives
$140 vs $281
Days on market
16 vs 54 typical
Where $140/sqft sits among the 74 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
18,098
Median age
51.5
Median income
$95,238
Median home value
$439,300
Avg household
2.38
Households w/ children
1,642
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
$486K → $468K
Safety Harbor median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
47 of 74
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 54% below the Safety Harbor median. See the full Safety Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 176 CLUBVIEW DRIVE UNIT 3
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$130,400
92 COTTAGEWOOD DRIVE UNIT 7 · same community
2 bd · 2 ba · 1,444 sqft · $90/sqft · 5 DOM
Sold · Jul ’26$123,500
139 FOREST LANE UNIT 12 · same community
2 bd · 2 ba · 1,356 sqft · $91/sqft · 242 DOM
Sold · Mar ’26$100,000
58 COTTAGEWOOD DRIVE UNIT 22 · same community
2 bd · 2 ba · 1,351 sqft · $74/sqft · 126 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 176 CLUBVIEW DRIVE UNIT 3 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 176 CLUBVIEW DRIVE UNIT 3 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
176 CLUBVIEW DRIVE UNIT 3 FAQs
What would the monthly payment be for 176 CLUBVIEW DRIVE UNIT 3?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,853/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 176 CLUBVIEW DRIVE UNIT 3?+
The most recent tax bill on record (2025) was $583. 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 176 CLUBVIEW DRIVE UNIT 3?+
The listing reports pets: Cats OK, Dogs OK. 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 $225,000, this home is listed about 54% below the Safety Harbor median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 176 CLUBVIEW DRIVE UNIT 3?+
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.
The brief
Three things that matter here
01Under the Safety Harbor market on paper
$225,000 is 54% below the Safety Harbor median of $490,000, and at $140/sqft it sits under the Safety Harbor average of $346.
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
Safety Harbor Elementary School, Safety Harbor Middle School, Countryside High School — Safety Harbor Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Jamie Goodrow. MLS #TB8559617.
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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