94 SUGAR BEAR DRIVE UNIT 55, SAFETY HARBOR, FL, 34695
Active106 days on marketListed Apr 18, 2026MLS #TB8498889
About this home
94 SUGAR BEAR DRIVE UNIT 55
Nestled in one of Safety Harbor's most welcoming active adult communities, this charming two-bedroom, two-bathroom home offers the perfect blend of comfort, convenience, and carefree living. With no rear neighbors, you'll enjoy a sense of privacy and openness that's hard to come by. Step inside to discover a generous living room that flows seamlessly into a spacious dining area, creating an inviting atmosphere for both relaxing and entertaining. The kitchen features a brand new stainless steel dishwasher and its own eat-in nook, ideal for casual morning coffee. The primary bedroom boasts an ensuite bathroom and an impressively large walk-in closet, while the second bedroom offers equally generous proportions. Ample closet space throughout keeps everything neatly organized, and a dedicated storage area with washer and dryer hookups adds everyday practicality. Major updates have already been handled — the roof and air conditioning system were both replaced in 2021, giving you peace of mind for years ahead. This golf cart friendly community keeps monthly fees refreshingly low while covering water, sewer, trash pickup, lawn maintenance, and full access to a clubhouse complete with pool, spa, shuffleboard courts, and a vibrant calendar of activities. Small pets are also welcome. The surrounding neighborhood places you minutes from downtown Safety Harbor's eclectic shops and restaurants, scenic waterfront parks, top-rated medical facilities, and a quick drive to the stunning Gulf beaches. If you've been searching for low-maintenance living wrapped in warmth and community spirit, schedule your private tour today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,040
Sqft
0.09 ac
Lot size
1980
Year built
One
Levels
$134
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.
$1,080 /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
$1,080/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
−16%
$/sqft vs Safety Harbor actives
$134 vs $325
Days on market
106 vs 55 typical
Where $134/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)
53 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 94 SUGAR BEAR DRIVE UNIT 55
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$140,000
138 THISTLE BRIAR DRIVE UNIT 52 · same community
2 bd · 2 ba · 1,056 sqft · $133/sqft · 8 DOM
Sold · Oct ’25$115,000
70 LIVE OAK COURT UNIT 21 · same community
2 bd · 2 ba · 1,100 sqft · $105/sqft · 3 DOM
Sold · Dec ’25$160,000
130 THISTLE BRIAR DRIVE UNIT 48 · same community
2 bd · 2 ba · 1,120 sqft · $143/sqft · 10 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 94 SUGAR BEAR DRIVE UNIT 55 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 94 SUGAR BEAR DRIVE UNIT 55 — 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
94 SUGAR BEAR DRIVE UNIT 55 FAQs
What would the monthly payment be for 94 SUGAR BEAR DRIVE UNIT 55?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,080/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 94 SUGAR BEAR DRIVE UNIT 55?+
The most recent tax bill on record (2025) was $484. 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 94 SUGAR BEAR DRIVE UNIT 55?+
The listing reports pets: Number Limit. 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 $139,000, 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 94 SUGAR BEAR DRIVE UNIT 55?+
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
$139,000 is 72% below the SAFETY HARBOR 34695 median of $499,450, and at $134/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 $159,000, now $139,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE KEYES COMPANY - SARASOTA · Heather Harris, LLC. MLS #TB8498889.
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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