David Ramirez
Office

Commercial Sale · Office

$1,299,0003,812 sq ft$341 /sq ft0.16 acres

108 4TH AVENUE S, SAFETY HARBOR, FL, 34695

Active217 days on marketListed Dec 29, 2025MLS #TB8459294

About this property

The property at a glance

We are proud to present 108 4th Avenue South, a well-located professional office building just steps from Main Street in the heart of downtown Safety Harbor. Positioned in one of Tampa Bay’s most desirable and walkable submarkets, this property offers a rare opportunity for an owner-user or investor to acquire a highly functional office asset in a nationally recognized small-town setting. Constructed in 1957, the 3,812 SF building sits on approximately 0.16 acres and is located in Flood Zone X. The property is currently configured as a medical office, featuring a welcoming front waiting area and reception desk, ten private offices, a dedicated conference room, three restrooms, and a kitchen. The efficient layout provides flexibility for a variety of professional uses, including medical, legal, financial, counseling, or general office operations. For additional information, please review the floor plan. The building benefits from two primary entrances on the east and west sides of the property, allowing for convenient access, potential tenant separation, or functional flow for staff and clients. Excellent office sizes and a practical floor plan contribute to the property’s overall usability and long-term adaptability. Just off Main Street, the location offers exceptional visibility and immediate proximity to Safety Harbor’s restaurants, boutiques, breweries, waterfront parks, and community amenities. The property is also steps away from the lively Third Friday Street Festival, a monthly celebration of music, art, food, and local culture that draws consistent foot traffic and reinforces the area’s vibrant atmosphere. Safety Harbor has recently been recognized by USA Today as the #10 Best Main Street in the United States and the #5 Best Small Town in the South, underscoring the strength of the local market and the long-term appeal of downtown ownership. Whether utilized as a professional office, medical practice, or boutique business headquarters, 108 4th Avenue South offers a compelling combination of location, functionality, and community presence in one of Florida’s most charming coastal towns.

3,812

Building sq ft

$341

Price / sq ft

0.16

Lot acres

1957

Year built

1

Building

MSM

Zoning

Office

Property type

Building size3,812 sq ft
Lot size0.16 acres
Year built1957
Buildings1
ZoningMSM
ConstructionBlock · Other · Stucco
CoolingCentral Air
Annual taxes$9,202

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% · $324,750
Interest rate6.00%
Loan term

Estimated payment

$6,768/mo

Principal & interest$5,841
Property taxes (actual bill)$767
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

Brady's Backyard BBQRestaurant0 mi
Safety Harbor GalleriaRetail0 mi
Paradise RestaurantRestaurant0 mi
Brown Bag Coffee CompanyRestaurant0.1 mi
StarbucksRestaurant0.1 mi
Southern FreshRestaurant0.1 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
HavenHouse Eatery and Coffee BarRestaurant0.1 mi
Water Oak GrillRestaurant0.1 mi
CORE Vegan Market & BistroRestaurant0.1 mi
Coastal Cantina & GrillRestaurant0.1 mi
The End TableRetail0.1 mi
Safety Harbor Mobil DeliRestaurant0.1 mi
Regions BankBank0.1 mi
Happy Salmon Sake Sushi BarRestaurant0.1 mi
The Sandwich on MainRestaurant0.1 mi
Nolan's PubRestaurant0.1 mi
Athens RestaurantRestaurant0.1 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 108 4TH AVENUE S

The most comparable commercial properties that changed hands nearby. No two are identical — ask us for a full comparative analysis.

701 ENTERPRISE ROAD E UNIT 100

$70,000

701 ENTERPRISE ROAD E UNIT 100

3,460 sqft · $20/sqft · Sold Nov 14, 2025

2641 & 2645 SUNSET POINT ROAD

$955,000

2641 & 2645 SUNSET POINT ROAD

4,458 sqft · $214/sqft · Sold Jul 10, 2025

911 SAINT PETERSBURG DRIVE W

$475,000

911 SAINT PETERSBURG DRIVE W

2,212 sqft · $215/sqft · Sold Mar 24, 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 108 4TH AVENUE S — start here.

Andrew Acosta

Financing contact

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Ask about commercial financing options for 108 4TH AVENUE S.

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.

Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Alexander Lucke. MLS #TB8459294.

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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