1045 JESSE AVENUE, SAFETY HARBOR, FL, 34695
Active491 days on marketListed Mar 30, 2025MLS #TB8367061
About this home
1045 JESSE AVENUE
One or more photo(s) has been virtually staged. Experience your dream home in this thoughtfully designed, newly built, single family residence, in sought after Safety Harbor. Here, you'll live walking distance to downtown Safety Harbor and one block from the Bay. Experience numerous outdoor living areas and a third story terrace - your own private oasis! Inside you will be greeted with an open layout - the main floor has two bedrooms - a downstairs master, and a guest room or office - as you wish! Step into a kitchen with an oversized book-matched quartz island, large enough to fit the entire family. This area also has its own wine and bar room, flowing right outside to one of four private outdoor living areas - perfect for living and entertaining. Adorned with custom hard wood cabinets as well as Delta faucets and fixtures throughout, you'll be surrounded by quality. Enjoy plenty of natural light throughout the home via your brand-new hurricane impact rated windows. This house is a great size but yet still offers you a sizeable front and back yard with covered patios. The trees were purposefully maintained to provide ample shade to allow for residents and guests to enjoy Florida's outdoor lifestyle. Lot is pre-plumbed for you to add your own custom landscaping. You'll live and entertain here as the open kitchen area offers pass-through windows to entertain family and friends, maintaining a connection with the outdoors at each turn. Upstairs you'll find a second family room, theatre room, and three more bedrooms with high ceilings. Spacious closets, and a Jack and Jill bathroom await you here. A master with two walk-in closets, a double shower with body sprays, balcony, and more! Enjoy the convenience of a spacious second-floor laundry room with natural gas hookups. Relax on your back deck or walk upstairs to entertain guests on your very own, unique, sizeable, and private third story crow's nest! Here you can take in the water views of Tampa Bay or stargaze at night! This one-of-a-kind home offers instant equity as compared to new builds coming up in downtown Safety Harbor. Furthermore, buy this dream home with peace - it is up and out of a flood zone, and is built to stand - no issues at all during the recent hurricanes. Come by and take a look!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,634
Sqft
0.15 ac
Lot size
1
Garage
2025
Year built
Two
Levels
$550
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.
$12,140 /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
$12,140/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.
$/sqft vs Safety Harbor actives
$550 vs $324
Days on market
491 vs 62 typical
Where $550/sqft sits among the 93 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 → $680K
Safety Harbor median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
54 of 93
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 278% 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 1045 JESSE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$1,320,000
512 CREEKSIDE COURT
4 bd · 3 ba · 3,630 sqft · $364/sqft · 70 DOM
Sold · Nov ’25$1,850,000
241 5TH AVENUE N
4 bd · 4 ba · 3,650 sqft · $507/sqft · 268 DOM
Sold · Dec ’25$1,475,000
8 COPPERWOOD COURT
5 bd · 4 ba · 3,593 sqft · $411/sqft · 54 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1045 JESSE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1045 JESSE AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1045 JESSE AVENUE FAQs
What would the monthly payment be for 1045 JESSE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,140/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 1045 JESSE AVENUE?+
The most recent tax bill on record (2024) was $5,258. 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 1045 JESSE AVENUE?+
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 $1,999,999, this home is listed about 220% above the Safety Harbor median of $624,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1045 JESSE AVENUE?+
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
01Positioned at the premium end
$1,999,999 runs 278% above the SAFETY HARBOR 34695 median — but at 3,634 sqft it's also nearly twice the size of the typical Safety Harbor listing.
02Time on market is leverage
491 days on market against a Safety Harbor median of 62 — sellers in this position are usually ready to negotiate.
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 MAVEN ESTATES, LLC · Radhika Sharma. MLS #TB8367061.
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 1045 JESSE AVENUE 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 David to ping you on any price or status change →