
685 1ST AVENUE N, SAFETY HARBOR, FL, 34695
Active100 days on marketListed Apr 30, 2026MLS #TB8503478
About this home
685 1ST AVENUE N
One or more photo(s) has been virtually staged. Under Construction. Step into luxury and comfort with this beautifully designed, brand-new 4-bedroom, 4.5-bathroom home offering 3,556 square feet of living space and 4,128 total square feet under roof. Currently under construction with an anticipated completion date of June 15, 2026, this property presents a rare opportunity for buyers to get in early and personalize select finishing touches. Built for both elegance and resilience, this home features solid concrete block construction, spray foam insulation, and hurricane-impact windows, doors, and garage doors. Located high and dry in Flood Zone X and constructed to meet the latest Florida FEMA building codes, it offers exceptional protection against hurricanes and water intrusion—delivering true peace of mind. Each generously sized bedroom includes its own private en-suite bathroom, while a conveniently located half bath on the main floor is perfect for guests. The stunning kitchen serves as the heart of the home, showcasing a state-of-the-art oversized refrigerator, soaring high-end cabinetry, and beautiful countertops that blend style and functionality. The main level is finished with expansive large-format tile flooring, creating a sleek, seamless look, all illuminated by a one-of-a-kind statement chandelier. Upstairs, you’ll find a spacious laundry room and a thoughtfully designed built-in vacuum system with wall inlets on both levels for added convenience. The upper level also features durable, wood-look vinyl flooring, combining warmth with modern appeal. Step out onto the top-story balcony, finished with travertine pavers and sleek glass railings, perfect for enjoying peaceful outdoor moments. The primary suite is a true retreat, complete with a spa-like bathroom and expansive his-and-hers closets offering exceptional storage. Every bathroom throughout the home has been carefully customized with the guidance of design specialists, creating a cohesive and refined aesthetic. The outdoor space is soon to be a private oasis, thoughtfully designed to include a sparkling pool and relaxing jacuzzi surrounded by elegant travertine pavers, along with a brand-new vinyl fence for added privacy and charm—perfect for both entertaining and everyday relaxation. Additional highlights of the home include epoxy-coated garage floors and a dual A/C system for enhanced comfort and efficiency. Ideally located near Safety Harbor Middle School, this home is just minutes from local parks, the Safety Harbor Spa, Safety Harbor Pier, scenic walking and biking trails, and a variety of popular dining, coffee, and shopping destinations—perfect for enjoying morning or evening outings. For a limited time, buyers may have the opportunity to finalize select details—such as bedroom closet shelving—and may receive a credit toward these finishing touches. With brand-new construction, high-end upgrades, and thoughtful design throughout, this home is one you don’t want to miss. *Realtor is owner of the home.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,556
Sqft
0.17 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$562
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.
$11,970 /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
$11,970/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.
$/sqft vs Safety Harbor actives
$562 vs $325
Days on market
100 vs 60 typical
Where $562/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)
55 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 233% 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 685 1ST 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 · Nov ’25$1,850,000
241 5TH AVENUE N
4 bd · 4 ba · 3,650 sqft · $507/sqft · 268 DOM
Sold · Mar ’26$1,175,000
1790 MAIN STREET
4 bd · 4 ba · 3,123 sqft · $376/sqft · 71 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 685 1ST AVENUE N — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 685 1ST 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
685 1ST AVENUE N FAQs
What would the monthly payment be for 685 1ST AVENUE N?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,970/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 685 1ST AVENUE N?+
The most recent tax bill on record (2025) was $3,215. 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 $1,999,999, this home is listed about 221% 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 685 1ST 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
$1,999,999 runs 233% above the SAFETY HARBOR 34695 median — but at 3,556 sqft it's also 74% larger than the typical Safety Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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 $2,000,000, now $1,999,999 — a $1 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Dana Harris. MLS #TB8503478.
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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