
Commercial Sale · Retail
454 MAIN STREET, SAFETY HARBOR, FL, 34695
Active461 days on marketListed May 1, 2025MLS #TB8381286
About this property
The property at a glance
We are proud to exclusively market for sale Harbor Inn on Main, a rare generational asset located in the heart of one of America's most celebrated small towns. With 155 feet of frontage on vibrant Main Street—recently ranked #10 Best Main Street in the U.S. and #5 Best Small Town in the South by USA Today—this mixed-use property offers unmatched charm, versatility, and income potential. Built in 1918 and meticulously maintained, the property features 9,605 SF under roof and 2,599 SF of balcony space. Zoned Main Street Marketplace (MSM), this historic gem supports a wide variety of permitted uses including retail, multi-family, office, hospitality, and entertainment. Currently operating as a hybrid LTR/STR top-rated Airbnb Superhost with (8) turnkey apartment units—(6) one-bedrooms and (2) studios—each with full kitchens and baths. This income-generating property is perfect for investors or owner-occupiers. An opportunity also exists to expand with a 9th additional unit or owner/manager’s suite. The ground-floor retail space is elevated above street level and flooded with natural light, offering excellent visibility and a welcoming Main Street presence. Total retail square footage is equal to 2,983 SF and is currently rented month to month offering flexibility for an owner operator to occupy or generate longer term income. Recent capital improvements include a new roof (2020) on the primary building and new HVAC with ductwork (2023) in the retail space. Additional highlights: 14 private parking spaces, Garage/storage space, Located in Flood Zone X, Just blocks from the iconic Safety Harbor Spa, Two majestic “Great Oaks” on site, Steps away from the lively Third Friday Street Festival—a monthly downtown celebration of music, art, food, and community. This is more than a property—it’s a piece of Safety Harbor history with modern upside. Contact us today for details or to schedule a private tour.
9,605
Building sq ft
$416
Price / sq ft
0.45
Lot acres
1918
Year built
1
Building
MSM
Zoning
Retail
Property type
The numbers
Investment snapshot
Income and lease details aren’t published in the MLS for this listing. Ask for the offering memorandum and rent roll to run cap rate, NOI and cash-on-cash.
Estimated payment (illustrative)
Estimated payment
$20,332/mo
Illustrative only. Commercial loans are underwritten on the property’s income (DSCR, cap rate) — typically 25–35% down with lender-set terms. Ask a commercial lender for real numbers. 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.
Financing
Commercial financing works differently from a home loan — expect roughly 25–35% down with terms driven by the property’s income and your lender’s underwriting (DSCR, cap rate), not FHA or VA programs. Ask David to connect you with a commercial lender for real numbers.
Where it sits
Location & trade area
What’s nearby
Business data © OpenStreetMap contributors
The area
Who's around this property
17,882
Population
$96,138
Median income
50.6
Median age
2.42
Avg household
$418,200
Median home value
$1,680/mo
Median rent
1,727
Households w/ kids
Recent sales
What actually sold near 454 MAIN STREET
The most comparable commercial properties that changed hands nearby. No two are identical — ask us for a full comparative analysis.

$1,800,000
28384 US HIGHWAY 19 N
6,000 sqft · $300/sqft · Sold Jan 15, 2026

$36,000
123 2ND AVENUE S
1,260 sqft · $29/sqft · Sold May 15, 2026

$520,000
600 SAINT PETERSBURG DR E
980 sqft · $531/sqft · Sold Oct 10, 2025
Your team
The pros in your corner
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, offers, and every question about 454 MAIN STREET — start here.

Financing contact
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Ask about commercial financing options for 454 MAIN STREET.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Keep looking
Similar properties nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Alexander Lucke. MLS #TB8381286.
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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