108 IRWIN STREET E, SAFETY HARBOR, FL, 34695
Active115 days on marketListed Mar 30, 2026MLS #TB8491819
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Sat, Jul 25
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About this home
108 IRWIN STREET E
Virtually Staged. PRICE IMPROVEMENT! Now offered at $1,399,000—an exceptional opportunity to own a brand-new custom luxury home in the heart of Safety Harbor. Built by Cogdill Builders of Florida, this beautifully crafted Modern Coastal residence combines timeless design, quality craftsmanship, and an unbeatable location just one mile from vibrant Downtown Safety Harbor and Philippe Park. Situated on a quarter-acre homesite in Flood Zone X with NO HOA, this move-in-ready home offers 4 bedrooms, 3 full bathrooms, an oversized 3-car garage, and 2,634 square feet of thoughtfully designed living space. Every detail reflects quality, from the soaring 10-foot ceilings, impact-rated windows, premium porcelain tile flooring, designer lighting, and open-concept floor plan to the exceptional finishes found throughout. The gourmet kitchen is designed for both everyday living and entertaining, featuring custom wood cabinetry, a large Cambria quartz island, a full-height Cambria quartz backsplash, stainless steel appliances, a walk-in pantry, and a spacious laundry room. The primary suite features two oversized custom walk-in closets, dual vanities, and a spacious walk-in shower. The split-bedroom floor plan provides privacy for family and guests, while the fourth bedroom offers flexibility as a home office, fitness room, or guest suite. Step outside to the impressive 49-foot covered lanai overlooking a professionally landscaped backyard with irrigation, privacy fencing, and ample space for a custom pool. Pool renderings are available upon request. Enjoy everything that makes Safety Harbor one of Tampa Bay’s most desirable communities, including charming Main Street, waterfront parks, Philippe Park, the marina, award-winning restaurants, boutique shopping, breweries, the Safety Harbor Resort & Spa, weekly farmers markets, concerts, and year-round festivals. Clearwater Beach, Honeymoon Island, Tampa International Airport, Downtown Tampa, and St. Petersburg are all just a short drive away. Built with durable concrete block construction, energy-efficient features, premium materials, and meticulous attention to detail, this home delivers the quality and craftsmanship today’s buyers expect from a true custom home. Luxury, location, and lasting value come together in one exceptional property. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,634
Sqft
0.25 ac
Lot size
3
Garage
2026
Year built
One
Levels
$531
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.
$8,713 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,713/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+66.5%
Days on market
115 vs 55 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
$508K → $630K
Safety Harbor median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 183% above 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 108 IRWIN STREET E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 108 IRWIN STREET E — 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
108 IRWIN STREET E FAQs
What would the monthly payment be for 108 IRWIN STREET E?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,713/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 108 IRWIN STREET E?+
The most recent tax bill on record (2025) was $5,754. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Safety Harbor?+
At $1,399,000, this home is listed about 152% above the Safety Harbor median of $554,950. The market section on this page shows how the area is trending.
Which schools are assigned to 108 IRWIN STREET E?+
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
01Positioned at the premium end
$1,399,000 runs 183% above the SAFETY HARBOR 34695 median — but at 2,634 sqft it's also 55% larger than the typical Safety Harbor listing.
02Time on market is leverage
115 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 $1,599,000, now $1,399,000 — a $200K cut. The full history is in the market section below.
Listing courtesy of BUSINESS & REALTY CONSULTING OF FLORIDA · Emiliya Cogdill. MLS #TB8491819.
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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