839 3RD STREET N, SAFETY HARBOR, FL, 34695
Active305 days on marketListed Oct 1, 2025MLS #TB8433516
About this home
839 3RD STREET N
Casa del Tren — Renovated Cottage on a Rare Downtown Lot That Pays Its Own Way It's rare to find a lot like this so close to everything: an oversized 50x140 parcel with mature trees, privacy, and room to imagine, minutes from the shops, restaurants, parks, and waterfront of Downtown Safety Harbor. And the home that sits on it lives up to the setting, a beautifully renovated classic Florida cottage, professionally updated and thoughtfully decorated, with a bright, open great-room layout that feels like home the moment you enter. A top-rated elementary school sits just two blocks away. Out back, a privately fenced and lighted paver courtyard offers shade and seclusion just off Main Street, a favorite with pet owners and an easy place to unwind. With space to garden, expand, or simply breathe, the lot is the kind of rarity that's almost impossible to find this close to downtown. It offers real peace of mind, too: set in low-risk FEMA Flood Zone X and the safer Evacuation Zone D, it has never flooded, evacuated, or sustained storm damage in eight years. Here's what makes Casa del Tren truly special: it's a wonderful home that can also pay its way, entirely on your terms. Live in it full-time, keep it as a winter retreat, or let it earn when you're away. For eight years it has quietly thrived as one of Safety Harbor's most-loved vacation rentals, with hundreds of 5-star reviews, a loyal following, and an established brand, website, and online presence. The proven income engine is here if you want it, and no obligation if you don't. It's offered fully furnished and rental-ready, so you can step into a turnkey operation from day one, or simply make it your own. There's no HOA and no special permitting hurdle to rent it, and detailed financials are available on request. Casa del Tren has been lovingly run by the owners under their "Stay in the South" brand, a small collection of hospitality-driven homes known for meticulous care. That same attention to detail earned their Nashville property, the Heidtke House, a feature on the international travel series "Sense of Place." Now ready to slow down, they're passing this one on in turnkey condition to its next owner. This is a rare opportunity to purchase in one of the most sought after areas in Downtown Safety Harbor.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
910
Sqft
0.16 ac
Lot size
1951
Year built
One
Levels
$549
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.
$3,753 /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
$3,753/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.
$/sqft vs Safety Harbor actives
$549 vs $324
Days on market
305 vs 55 typical
Where $549/sqft sits among the 94 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)
53 of 94
Safety Harbor actives have cut their price
Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 839 3RD STREET N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$342,000
340 8TH AVENUE N · same community
2 bd · 1 ba · 864 sqft · $396/sqft · 1 DOM
Sold · Mar ’26$550,000
735 2ND STREET N · same community
4 bd · 2 ba · 1,538 sqft · $358/sqft · 0 DOM
Sold · Oct ’25$215,000
1003 S BAYSHORE BOULEVARD UNIT 206
2 bd · 2 ba · 900 sqft · $239/sqft · 2 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 839 3RD STREET N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 839 3RD STREET N — 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
839 3RD STREET N FAQs
What would the monthly payment be for 839 3RD STREET N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,753/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 839 3RD STREET N?+
The most recent tax bill on record (2024) was $5,148. 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 839 3RD STREET N?+
The listing reports pets: No. 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 $499,900, this home is listed about 10% 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 839 3RD STREET N?+
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
Four things that matter here
01Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
02Time on market is leverage
305 days on market against a Safety Harbor median of 55 — 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.
04The price has already moved
Listed at $549,000, now $499,900 — a $49K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TRIESTE REAL ESTATE · Jonathan Trieste. MLS #TB8433516.
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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