David Ramirez
$1,750,000$1,999,0004 bd3.5 ba3,415 sqft$512 /sqft$12,019 /mo all-in ↓

3484 SHORE DRIVE, SAFETY HARBOR, FL, 34695

Active465 days on marketListed Apr 23, 2025MLS #TB8377480

Reduced $249KWaterfrontPrivate poolSingle Family ResidenceBAYFRONT MANOR

About this home

3484 SHORE DRIVE

Your dream home awaits in the heart of coveted Safety Harbor! This breathtaking waterfront estate offers the perfect blend of luxury, serenity, and modern living, with 4 bedrooms, 3.5 bathrooms, and an unbeatable 250 feet of frontage along the shimmering waters of Old Tampa Bay. Set on a lushly landscaped lot, this home is a masterpiece of design and functionality. From the moment you step through the grand double doors, you’re greeted by a soaring two-story foyer and a striking coastal-modern aesthetic. Sleek polished metal handrails and a glass banister set the tone for the impeccable style that flows throughout the home. Upstairs, the open-concept living spaces are bathed in natural light, thanks to floor-to-ceiling windows that frame jaw-dropping water views. The kitchen is a chef’s dream—boasting stone countertops, an oversized island, designer pendant lighting, high-end Bosch stainless appliances, and a dazzling backsplash of interlocking metal tiles. Here, every detail has been curated to impress. The nearly 700-square-foot primary suite is a retreat like no other, offering panoramic water views, a tranquil sitting area, and extra high ceilings. The spa-inspired en-suite bath features a modern soaking tub, an oversized walk-in shower, and dual vanities with stone counters. Beyond the bathroom, a show-stopping walk-in closet awaits, complete with custom shelving, a central island with display drawers, and even natural light from two windows. Two additional bedrooms on the main level are equally stylish and share a Jack-and-Jill bath, while a separate half bath and laundry room add convenience. Downstairs, the private in-law suite is a standout feature, complete with its own kitchen, living space, and direct access to the outdoors—perfect for extended family or guests. Step outside, and you’ll discover your personal paradise. A screened-in pool and spa with a sprawling pavered lanai offer multiple seating areas for relaxation or entertaining. The gazebo overlooking the bay creates an idyllic spot for morning coffee or sunset cocktails, while the private dock with water access is a dream for boaters and anglers alike. With over five garage spaces, there’s room for all your toys—whether it’s a boat, jet skis, or even a workshop. Located in a quiet, sought-after neighborhood minutes from downtown Safety Harbor, Philippe Park, and Clearwater’s world-class beaches and dining, this estate is more than a home—it’s a lifestyle. Don’t miss the chance to make every day feel like a vacation in this one-of-a-kind waterfront gem!

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,415

Sqft

0.92 ac

Lot size

5

Garage

1998

Year built

Two

Levels

$512

Per sqft

Private poolWaterfrontGarden & Pool & Water viewPets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Microwave · Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewGarden · Pool · Water
FacesSouth
ParkingDriveway · Garage Door Opener · Oversized · Split Garage
ExteriorFrench Doors · Garden · Hurricane Shutters · Lighting · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2024)$21,112/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$12,019 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$9,443
PMI (est., until 20% equity)$656
Property tax — 2024 actual bill$1,759
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $175,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $175,000
Interest rate6.00%
Loan term

Estimated payment

$12,019/mo

Principal & interest$9,443
PMI (est., until 20% equity)$656
Property taxes (actual bill)$1,759
Est. insurance$160

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.

List $1.8M
$985KedgeAI estimate $1,080,893 · range $1.0M$1.2M$1.8M

vs edgeAI estimate

+61.9%

$/sqft vs Safety Harbor actives

$512 vs $324

Days on market

465 vs 55 typical

Where $512/sqft sits among the 94 Safety Harbor actives

20
31
15
8 · this home
6
14
$134–234$234–333$333–433$433–533$533–633$633+

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

Map of 3484 SHORE DRIVE

Drive times from this address

Tampa Int’l Airport (TPA)28 min
Downtown Tampa31 min

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

HighCountryside High School★★★★★
ElementaryLeila Davis Elementary School★★★★
MiddleSafety Harbor Middle School★★★★★

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

The numbers that matter

The Safety Harbor market

Seller’s marketBalanced6.1 months of inventoryBuyer’s market

$508K$630K

Safety Harbor median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

53 of 94

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 251% above the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,750,000 $249K
Apr 23, 2025Listed at $1,999,000 · 465 days on market since
1998Built · BAYFRONT MANOR

Reality check

What actually sold near 3484 SHORE DRIVE

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

2955 BAY VIEW DRIVESold · Feb ’26

$270,000

2955 BAY VIEW DRIVE · same community

2 bd · 1 ba · 1,047 sqft · $258/sqft · 119 DOM

1713 TALL PINE CIRCLESold · Jun ’26

$1,200,000

1713 TALL PINE CIRCLE

4 bd · 3 ba · 3,263 sqft · $368/sqft · 4 DOM

8 COPPERWOOD COURTSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3484 SHORE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3484 SHORE DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

3484 SHORE DRIVE FAQs

What would the monthly payment be for 3484 SHORE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,019/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 3484 SHORE DRIVE?+

The most recent tax bill on record (2024) was $21,112. 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 3484 SHORE DRIVE?+

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 $1,750,000, this home is listed about 215% above the Safety Harbor median of $554,950. The market section on this page shows how the area is trending.

Which schools are assigned to 3484 SHORE DRIVE?+

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

Five things that matter here

01Positioned at the premium end

$1,750,000 runs 251% above the SAFETY HARBOR 34695 median — but at 3,415 sqft it's also nearly twice the size of the typical Safety Harbor listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

465 days on market against a Safety Harbor median of 55 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $1,999,000, now $1,750,000 — a $249K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Adam Smith. MLS #TB8377480.

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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