105 LOTUS CIRCLE, SAFETY HARBOR, FL, 34695
Active106 days on marketListed Apr 10, 2026MLS #TB8494556
Come see it
Upcoming open house
Sat, Jul 25
2:00 PM – 4:00 PM
About this home
105 LOTUS CIRCLE
Virtually Staged. Welcome home to Safety Harbor! This beautifully maintained 3-bedroom, 2-bathroom block home at 105 Lotus Circle is tucked away on a quiet cul-de-sac, offering a bright, open-concept layout that feels like a breath of fresh air. Freshly painted inside and out, the residence shines with pride of ownership and modern appeal. You’ll love the vaulted ceilings and stylish wood-look flooring that lead you toward a cozy brick fireplace—the perfect centerpiece for relaxing nights in. The heart of the home is the updated kitchen, complete with granite countertops, solid wood cabinets, and a breakfast bar for easy morning coffee. With a smart split-bedroom plan, the primary suite feels like a true retreat, now featuring brand-new laminate flooring that extends through all bedrooms for a clean, carpet-free finish. Step outside to the screened-in back patio and massive fenced yard, a space just waiting for your next weekend BBQ or garden project. Best of all, you’re just minutes from the charm of downtown Safety Harbor and Philippe Park, all while enjoying the peace of mind of a non-flood zone. It’s move-in ready, full of character, and waiting for you to call it home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,443
Sqft
0.17 ac
Lot size
2
Garage
1978
Year built
One
Levels
$319
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.
$3,567 /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
$3,567/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
+15.7%
$/sqft vs Safety Harbor actives
$319 vs $324
Days on market
106 vs 55 typical
Where $319/sqft sits among the 98 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)
48 of 98
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 7% 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 105 LOTUS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$495,500
108 LOTUS CIRCLE · same community
3 bd · 2 ba · 1,464 sqft · $338/sqft · 38 DOM
Sold · Jul ’26$465,000
222 LOTUS DRIVE · same community
3 bd · 2 ba · 1,393 sqft · $334/sqft · 2 DOM
Sold · Nov ’25$484,990
209 LOTUS DRIVE · same community
3 bd · 2 ba · 1,499 sqft · $324/sqft · 50 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 105 LOTUS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 105 LOTUS CIRCLE — 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
105 LOTUS CIRCLE FAQs
What would the monthly payment be for 105 LOTUS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,567/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 105 LOTUS CIRCLE?+
The most recent tax bill on record (2025) was $5,949. 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 105 LOTUS CIRCLE?+
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 $459,900, this home is listed about 17% 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 105 LOTUS CIRCLE?+
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
01Under the SAFETY HARBOR 34695 market on paper
$459,900 is 7% below the SAFETY HARBOR 34695 median of $492,400, and at $319/sqft it sits under the Safety Harbor average of $403.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
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 $465,000, now $459,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REDFIN CORPORATION · Monica Karcz, PA. MLS #TB8494556.
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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