98 CEDAR ELM DRIVE UNIT 32, SAFETY HARBOR, FL, 34695
Active106 days on marketListed Apr 17, 2026MLS #TB8497563
About this home
98 CEDAR ELM DRIVE UNIT 32
VERY MOTIVATED SELLERS! PRICE JUST REDUCED AGAIN! Welcome to your beautifully furnished retreat, perfectly situated on a dry lot in an X flood zone, offering peace of mind and privacy. This well-maintained home showcases a stunning tropical wooded backdrop, complete with a serene, meandering stream that creates a truly picturesque and tranquil setting. Inside, the home has been thoughtfully cared for, including upgraded ¾-inch plywood subflooring for added durability. The property has been regularly inspected underneath, and the roof-over adds extra protection and longevity. Located in the highly sought-after Briar Creek community, this property includes deeded land, an exceptional value. Residents enjoy a friendly neighborhood atmosphere with winding roads and majestic, mature trees that enhance the natural beauty of the area. The monthly maintenance fee of only $220 covers an impressive array of amenities, including water, sewer, trash service, lawn care, private roads, and access to the clubhouse. Relax and unwind at the heated pool and spa, enjoy a game of shuffleboard, or take advantage of the convenient on-site laundry facility and community mart for buying and donating gently used items. This pet-friendly home allows cats only. Conveniently located near numerous medical facilities, including a nearby hospital, this home offers both comfort and accessibility. If you’re seeking a private, nature-inspired setting within a welcoming and well-maintained community, this is the perfect place to call home. Room measurements are approximate, buyer responsible to verify.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,120
Sqft
0.09 ac
Lot size
1979
Year built
One
Levels
$125
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 and the real association fee — not generic estimates.
$1,448 /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
$1,448/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
−19.4%
$/sqft vs Safety Harbor actives
$125 vs $325
Days on market
106 vs 55 typical
Where $125/sqft sits among the 94 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)
52 of 94
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 72% 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 CEDAR ELM DRIVE UNIT 32
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$160,000
130 THISTLE BRIAR DRIVE UNIT 48 · same community
2 bd · 2 ba · 1,120 sqft · $143/sqft · 10 DOM
Sold · May ’26$142,500
38 WILLOW CREEK COURT UNIT 5 · same community
2 bd · 2 ba · 1,120 sqft · $127/sqft · 0 DOM
Sold · Jan ’26$155,000
36 TURTLE CREEK COURT UNIT 31 · same community
2 bd · 2 ba · 1,120 sqft · $138/sqft · 61 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 CEDAR ELM DRIVE UNIT 32 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 98 CEDAR ELM DRIVE UNIT 32 — 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 CEDAR ELM DRIVE UNIT 32 FAQs
What would the monthly payment be for 98 CEDAR ELM DRIVE UNIT 32?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,448/mo — principal and interest, the actual property-tax bill, the $220/mo association fee 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.
How much are the HOA fees at 98 CEDAR ELM DRIVE UNIT 32?+
The association fee works out to $220 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 98 CEDAR ELM DRIVE UNIT 32?+
The most recent tax bill on record (2025) was $2,186. 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 CEDAR ELM DRIVE UNIT 32?+
The listing reports pets: Cats 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 $139,900, this home is listed about 75% 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 CEDAR ELM DRIVE UNIT 32?+
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
$139,900 is 72% below the SAFETY HARBOR 34695 median of $499,000, and at $125/sqft it sits under the Safety Harbor average of $403.
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 $159,900, now $139,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS TAMPA DOWNTOWN · Susan Lagree. MLS #TB8497563.
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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