
1090 MAIN STREET, SAFETY HARBOR, FL, 34695
Active79 days on marketListed May 15, 2026MLS #TB8507231
About this home
1090 MAIN STREET
Stunning new construction mid-century modern two-story home located on highly sought-after Main Street in Safety Harbor. Designed with elevated finishes and modern architectural elements throughout, this impressive residence features a torch-down flat roof, double driveway with turnaround pad or golf cart parking, and a private vinyl-fenced backyard with gates on both sides. Outdoor living spaces include a covered lanai and second-floor balconies at both the front and rear of the home. Enter through double doors into a dramatic foyer with soaring 20+ foot ceilings highlighted by a modern crystal sloping pendant chandelier. The foyer also provides direct access to the oversized two-car garage. The open-concept floor plan seamlessly combines the living room, kitchen, and dining areas, showcasing layered textures of stone, wood, and Venetian plaster throughout the home. Thoughtful design details maximize storage and functionality. The living room features custom built-in wood shelving and an electric decorative fireplace. Designed for entertaining, the kitchen opens directly to the backyard and lanai through sliding glass doors and offers dual-tone cabinetry, granite countertops, an island with an extending sliding countertop for additional seating and storage, and premium European-style FORNO Espresso appliances. The elongated dining area runs parallel to the kitchen, creating a spacious and inviting gathering space. Additional first-floor features include a small pantry connected to the half bathroom, a versatile flex room ideal for an office, den, or library, and a glass-enclosed wine display and storage area beneath the staircase. Upstairs, the second-floor landing overlooks the foyer with modern glass railings and connects all bedrooms along with the upper-level laundry room. Every bedroom includes ceiling fans, window treatments, ensuite bathrooms, and generous closet space. The spacious primary suite features sliding glass doors leading to a private rear balcony, a dry bar, walk-in closet with built-ins and vanity, and a luxurious ensuite bathroom with dual sinks, a walk-in glass shower with rain shower head, and a contemporary freestanding soaking tub. Secondary bedrooms offer ensuite bathrooms with single vanities and glass-enclosed tub/shower combinations. The front bedroom also enjoys access to a private balcony overlooking the property. The upstairs laundry and storage room includes cabinetry, countertop workspace, sink, and washer/dryer hookups for added convenience. Conveniently situated on Main Street with quick access to McMullen Booth Road/County Road 611 and less than one mile from downtown Safety Harbor, this home offers the perfect balance of luxury and location. Nestled along the western shore of Tampa Bay, Safety Harbor is known for its charming small-town atmosphere, waterfront parks, renowned resort and spa, locally owned shops and restaurants, community events, recreational activities, and beautiful Philippe Park.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
2,946
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$468
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.
$8,544 /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
$8,544/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
$468 vs $324
Days on market
79 vs 55 typical
Where $468/sqft sits among the 93 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 93
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 176% 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 1090 MAIN STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$705,000
360 10TH AVENUE S · same community
4 bd · 3 ba · 2,797 sqft · $252/sqft · 11 DOM
Sold · Nov ’25$907,000
1005 MAIN STREET · same community
3 bd · 2 ba · 2,550 sqft · $356/sqft · 124 DOM
Sold · Feb ’26$565,000
355 12TH AVENUE N · same community
3 bd · 2 ba · 1,765 sqft · $320/sqft · 2 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 1090 MAIN STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1090 MAIN STREET — 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
1090 MAIN STREET FAQs
What would the monthly payment be for 1090 MAIN STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,544/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 1090 MAIN STREET?+
The most recent tax bill on record (2025) was $5,041. 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 $1,380,000, this home is listed about 149% above the Safety Harbor median of $554,950. The market section on this page shows how the area is trending.
Which schools are assigned to 1090 MAIN STREET?+
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
Three things that matter here
01Positioned at the premium end
$1,380,000 runs 176% above the SAFETY HARBOR 34695 median — but at 2,946 sqft it's also 73% larger than the typical Safety Harbor listing.
02Strong 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.
03The price has already moved
Listed at $1,699,000, now $1,380,000 — a $319K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LUXURY & BEACH REALTY INC · Nicole Evans. MLS #TB8507231.
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.
Never miss a listing
New Safety Harbor homes, in your inbox
Like 1090 MAIN STREET but not quite? A daily digest of every new listing in Safety Harbor — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


