David Ramirez
Retail

Commercial Sale · Retail

$3,999,000$4,995,0009,605 sq ft$416 /sq ft0.45 acres

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

Building size9,605 sq ft
Lot size0.45 acres
Year built1918
Buildings1
ZoningMSM
ConstructionBlock · Brick · Other · Wood Frame
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Natural Gas
UtilitiesElectricity Available · Natural Gas Available · Water Connected
Annual taxes$26,285

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)

Down payment25% · $999,750
Interest rate6.00%
Loan term

Estimated payment

$20,332/mo

Principal & interest$17,982
Property taxes (actual bill)$2,190
Est. insurance$160

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

8,500vehicles / day · 2025Delaware St to Cr-638/Enterprise Rd · Traffic count · Florida DOT
5-min drive10-min drive15-min drive

What’s nearby

Bassano Cheesecake CafeRestaurant0 mi
CORE Vegan Market & BistroRestaurant0 mi
Happy Salmon Sake Sushi BarRestaurant0 mi
Safety Harbor GalleriaRetail0 mi
Paradise RestaurantRestaurant0 mi
Cafe Vino TintoRestaurant0 mi
Brown Bag Coffee CompanyRestaurant0.1 mi
Southern FreshRestaurant0.1 mi
Brady's Backyard BBQRestaurant0.1 mi
3 Cheers LiquorRetail0.1 mi
The Sandwich on MainRestaurant0.1 mi
Nolan's PubRestaurant0.1 mi
Dazzled BoutiqueRetail0.1 mi
Marker 39Restaurant0.1 mi
Tupelo on 4thRetail0.1 mi
Pizzeria GregarioRestaurant0.1 mi
The KitchenRestaurant0.1 mi
Parts of Paris Bistro & BarRestaurant0.1 mi
Sips Wine BarRestaurant0.1 mi
Aerie Lane HomeRetail0.1 mi
The Tides Seafood Market & ProvisionsRestaurant0.1 mi
The Tiki TavernRestaurant0.1 mi
Coastal Cantina & GrillRestaurant0.1 mi
The End TableRetail0.1 mi

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.

28384 US HIGHWAY 19 N

$1,800,000

28384 US HIGHWAY 19 N

6,000 sqft · $300/sqft · Sold Jan 15, 2026

123 2ND AVENUE S

$36,000

123 2ND AVENUE S

1,260 sqft · $29/sqft · Sold May 15, 2026

600 SAINT PETERSBURG DR E

$520,000

600 SAINT PETERSBURG DR E

980 sqft · $531/sqft · Sold Oct 10, 2025

Your team

The pros in your corner

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, offers, and every question about 454 MAIN STREET — start here.

Andrew Acosta

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.

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Goes straight to David’s phone and CRM.

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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