
413 S BAYSHORE BOULEVARD UNIT 4, SAFETY HARBOR, FL, 34695
Pending184 days on marketListed Jan 31, 2026MLS #TB8470905
About this home
413 S BAYSHORE BOULEVARD UNIT 4
Virtually Staged. Bring your boat, your kayak, your paddle board and your sense of adventure because this is where coastal living and downtown charm come together in a way that’s truly rare. Perfectly positioned in the heart of Safety Harbor, this top-floor, corner unit residence at Lovers Oak Condominium offers more than just a beautiful home it delivers a lifestyle that few properties can match. Just blocks from the vibrant energy of downtown, recently recognized as one of the most desirable places to live in the Tampa Bay area, you’ll enjoy effortless access to boutique shopping, dining, festivals, and waterfront parks. But what truly sets this opportunity apart is on the water. This residence includes a dedicated boat slip an incredible find this close to downtown, but this unit stands out with one of the best slips in the community, positioned in the deepest water for optimal access. Even more exceptional, the slip is equipped with a lift, offering convenience, protection, and immediate readiness for your next day on the bay. No bridges, no waiting just lower your boat and go. Whether you’re setting out for a sunrise cruise, an afternoon of fishing, enjoying the many dolphins and manatees or a sunset paddle along the shoreline, everything you love about Florida waterfront living is right outside your door. With approximately 144 feet of community waterfront and a planned kayak launch and kayak storage, every day invites a new adventure. Inside this 2 bedroom, 2 bathroom condo with 1 car carport is thoughtfully updated modern finishes, the kitchen and baths blend style and functionality, while the light-filled sunroom showcases sweeping views of Tampa Bay an ideal space to relax and take in the ever-changing water views. Step outside and you’re greeted by the timeless beauty of the iconic 200-year-old Lovers Oak tree, a natural landmark that adds character and charm to your everyday surroundings. From there, it’s just a quick golf cart ride or short stroll into downtown, where community events, art, dining, and coastal culture come alive. For those who love the outdoors, the Ream Wilson Trail sits just across the street and will soon connect to an expansive 75-mile trail network throughout Pinellas County. Whether you’re seeking a full-time residence or a lock-and-leave retreat, this impeccably maintained condo offers the perfect blend of ease, location, and lifestyle, just 20 minutes from both Tampa International and St. Pete/Clearwater airports. Opportunities like this, downtown living with a deep-water boat slip and lift are exceptionally hard to find. Move in, step out, and start living the waterfront lifestyle you’ve been waiting for. Updates include....All new interior PAINT through out, Newer kitchen with granite and butcher block accent, Wind rated windows, Glass shower doors, Updated Baths, HVAC 2020, Wifi Thermostat, Newer building ROOF and PAINT, Updated Boat Lift Hardware. Virtually Staged- Furniture Only!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,197
Sqft
0.61 ac
Lot size
1980
Year built
One
Levels
$313
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.
$3,013 /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
$3,013/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.
vs edgeAI estimate
+16.8%
Days on market
184 vs 62 typical
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
$548K → $537K
Safety Harbor median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 29% below the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →
Paper trail
This home's history
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 413 S BAYSHORE BOULEVARD UNIT 4 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 413 S BAYSHORE BOULEVARD UNIT 4 — 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
413 S BAYSHORE BOULEVARD UNIT 4 FAQs
What would the monthly payment be for 413 S BAYSHORE BOULEVARD UNIT 4?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,013/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 413 S BAYSHORE BOULEVARD UNIT 4?+
The most recent tax bill on record (2024) was $5,753. 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 413 S BAYSHORE BOULEVARD UNIT 4?+
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 $375,000, this home is listed about 40% below the Safety Harbor median of $622,450. The market section on this page shows how the area is trending.
Which schools are assigned to 413 S BAYSHORE BOULEVARD UNIT 4?+
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
01Under the SAFETY HARBOR 34695 market on paper
$375,000 is 29% below the SAFETY HARBOR 34695 median of $529,000, and at $313/sqft it sits under the Safety Harbor average of $410.
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
184 days on market against a Safety Harbor median of 62 — 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 $449,500, now $375,000 — a $75K cut. The full history is in the market section below.
Listing courtesy of ENGEL & VOLKERS BELLEAIR · Kristin Hallamek. MLS #TB8470905.
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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