98 SUGAR BEAR DRIVE UNIT 57, SAFETY HARBOR, FL, 34695
Active170 days on marketListed Feb 12, 2026MLS #TB8475004
About this home
98 SUGAR BEAR DRIVE UNIT 57
No rear neighbors. Backs up to Briar Creek and trees. This lovely home is in a great quiet location and allows a cat or a dog up to 25 pounds. It has newer windows, new HVAC Jan 20/2025, replaced subfloors and installed luxury vinyl, replaced electrical panel Jan 2026, repaired vapor barrier & plumbing underneath & raised HVAC ducts that were hanging down. A 4 Point Inspection was done Jan 2026 and is attached in MLS. This is a large 1368 square foot home under central heat and air with a back room to enjoy the view that is 9.7X9.10 with a wall unit air conditioner. There is a screen patio in the back also to enjoy the view and it houses a very nice shed. There is also an attached shed with modern washer & dryer. This friendly in-demand community has big gnarly trees, 2 little lakes and backs to the bay. It is a beautiful community where all the homes are purchased with the deeded lot included. The maintenance fee is only $235/Month for this home. Room measurements approximate.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,368
Sqft
0.14 ac
Lot size
1978
Year built
One
Levels
$146
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.
$1,524 /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
$1,524/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
+9.5%
$/sqft vs Safety Harbor actives
$146 vs $325
Days on market
170 vs 55 typical
Where $146/sqft sits among the 93 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 93
Safety Harbor actives have cut their price
Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 60% below the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 98 SUGAR BEAR DRIVE UNIT 57
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$160,000
148 BEECHWOOD DRIVE UNIT 57 · same community
3 bd · 2 ba · 1,344 sqft · $119/sqft · 9 DOM
Sold · Mar ’26$105,000
31 NEW FAWN COURT UNIT 22 · same community
2 bd · 2 ba · 1,440 sqft · $73/sqft · 41 DOM
Sold · Feb ’26$250,000
36 NEW FAWN COURT UNIT 34 · same community
2 bd · 2 ba · 1,442 sqft · $173/sqft · 56 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 98 SUGAR BEAR DRIVE UNIT 57 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 98 SUGAR BEAR DRIVE UNIT 57 — 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
98 SUGAR BEAR DRIVE UNIT 57 FAQs
What would the monthly payment be for 98 SUGAR BEAR DRIVE UNIT 57?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,524/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 98 SUGAR BEAR DRIVE UNIT 57?+
The most recent tax bill on record (2024) was $1,182. 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 98 SUGAR BEAR DRIVE UNIT 57?+
The listing reports pets: Cats OK, Dogs OK. 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 $199,900, this home is listed about 64% 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 98 SUGAR BEAR DRIVE UNIT 57?+
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
$199,900 is 60% below the SAFETY HARBOR 34695 median of $499,000, and at $146/sqft it sits under the Safety Harbor average of $403.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
170 days on market against a Safety Harbor median of 55 — 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 $229,000, now $199,900 — a $29K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Renny Bryden. MLS #TB8475004.
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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