516 5TH AVENUE N, SAFETY HARBOR, FL, 34695
Active127 days on marketListed Apr 1, 2026MLS #TB8493108
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About this home
516 5TH AVENUE N
NO FLOOD ZONE. Rare opportunity just steps from downtown Safety Harbor on the coveted cobblestone stretch of 5th Avenue. Originally built in 1925 during the height of the Sears & Roebuck catalog home era, this classic American Foursquare features the enduring craftsmanship of early 20th-century construction, including dense old-growth lumber known for its exceptional strength and longevity. While thousands of these homes were built nationwide, only a limited number of comparable early 20th-century homes remain in Florida today. Featuring tall ceilings uncommon for homes of this era, the property offers a unique sense of openness and character throughout. Spanning over 2,700 square feet across three levels, the home offers 4 bedrooms, 3 bathrooms, bonus/flex spaces, a loft, and a layout ideal for buyers seeking something distinctive and full of personality. The primary suite features a private balcony, dual walk in cloests and a remodeled bathroom retreat. Inside, you’ll find an open kitchen with an island, dedicated laundry room, elegant laminate flooring, and a wood-burning fireplace with a chimney that adds warmth and historic charm to the living space. Flexible living areas throughout the home provide endless possibilities for guest space, offices, creative studios, or additional entertaining areas. Outside, a welcoming back patio overlooks the spacious backyard, offering endless potential to create your own outdoor retreat, whether it’s a garden, entertaining space, or future vision. A long-lasting metal roof adds additional value and peace of mind, while the cobblestone street setting enhances the home’s undeniable charm and sense of arrival. Walkable homes this close to downtown Safety Harbor are exceptionally rare. Just four blocks from restaurants, coffee shops, the pier, live music, art festivals, boutiques, Third Friday celebrations, and the world-famous Safety Harbor Spa. Whether you’re looking to restore, personalize, invest, or simply own a truly distinctive property in one of Tampa Bay’s most beloved waterfront towns, opportunities like this rarely come available.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,750
Sqft
0.13 ac
Lot size
1925
Year built
Two
Levels
$327
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.
$5,747 /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
$5,747/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
−26.1%
$/sqft vs Safety Harbor actives
$327 vs $319
Days on market
127 vs 64 typical
Where $327/sqft sits among the 91 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
$548K → $554K
Safety Harbor median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
56 of 91
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 70% above the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 516 5TH AVENUE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$380,000
427 5TH STREET N · same community
2 bd · 1 ba · 792 sqft · $480/sqft · 111 DOM
Sold · Sep ’25$1,280,000
201 4TH AVENUE S
4 bd · 2.5 ba · 2,775 sqft · $461/sqft · 1 DOM
Sold · Jan ’26$705,000
360 10TH AVENUE S
4 bd · 3 ba · 2,797 sqft · $252/sqft · 11 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 516 5TH AVENUE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 516 5TH AVENUE 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
516 5TH AVENUE N FAQs
What would the monthly payment be for 516 5TH AVENUE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,747/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 516 5TH AVENUE N?+
The most recent tax bill on record (2025) was $4,787. 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 516 5TH AVENUE N?+
The listing reports pets: Cats OK, Dogs OK, 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 $899,000, this home is listed about 44% above the Safety Harbor median of $622,450. The market section on this page shows how the area is trending.
Which schools are assigned to 516 5TH AVENUE 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
01Positioned at the premium end
$899,000 runs 70% above the SAFETY HARBOR 34695 median — but at 2,750 sqft it's also 41% larger than the typical Safety Harbor listing.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
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 $999,000, now $899,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SERHANT · Zoltan Vincze. MLS #TB8493108.
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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