645 PINE STREET, SAFETY HARBOR, FL, 34695
Active1 days on marketListed Jul 23, 2026MLS #A4699718
About this home
645 PINE STREET
Charming 3/2 Home in Historic Safety Harbor! Step into this bright and inviting 2005-built gem, impeccably maintained and truly move-in ready. Perfectly situated minutes from vibrant downtown Safety Harbor, it features modern peace of mind with a brand-new roof and A/C installed in 2022. The fully fenced yard offers wonderful privacy, making this the ideal spot to call home in one of the area’s most exciting neighborhoods. Smart money meets smart living here—don’t miss this standout opportunity!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,364
Sqft
0.13 ac
Lot size
2
Garage
2005
Year built
One
Levels
$301
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.
$2,890 /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
$2,890/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.
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
−11.5%
$/sqft vs Safety Harbor actives
$301 vs $324
Days on market
1 vs 55 typical
Where $301/sqft sits among the 98 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
$508K → $630K
Safety Harbor median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
49 of 98
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 17% 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 645 PINE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$608,000
614 PINE STREET · same community
3 bd · 3 ba · 1,930 sqft · $315/sqft · 27 DOM
Sold · May ’26$435,000
1111 N BAYSHORE BOULEVARD UNIT F6
2 bd · 2 ba · 1,398 sqft · $311/sqft · 212 DOM
Sold · Apr ’26$365,000
2816 APPLEWOOD DRIVE
3 bd · 1 ba · 1,403 sqft · $260/sqft · 34 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 645 PINE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 645 PINE STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
645 PINE STREET FAQs
What would the monthly payment be for 645 PINE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,890/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 645 PINE STREET?+
The most recent tax bill on record (2025) was $1,626. 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 645 PINE 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 $410,000, this home is listed about 26% below the Safety Harbor median of $554,950. The market section on this page shows how the area is trending.
Which schools are assigned to 645 PINE STREET?+
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
$410,000 is 17% below the SAFETY HARBOR 34695 median of $494,900, and at $301/sqft it sits under the Safety Harbor average of $403.
02Fresh on the market
Only 1 day on market in a Safety Harbor market that averages 55 — 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 SATO REAL ESTATE INC. · James Wilson. MLS #A4699718.
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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