David Ramirez
$1,380,000$1,699,0004 bd4.5 ba2,946 sqft$468 /sqft$8,544 /mo all-in ↓

1090 MAIN STREET, SAFETY HARBOR, FL, 34695

Active79 days on marketListed May 15, 2026MLS #TB8507231

Reduced $319KNew constructionSingle Family ResidenceSEMINOLE PARK REV

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

Fireplace

Inside

FlooringEngineered Hardwood · Porcelain Tile
AppliancesConvection Oven · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air
HeatingCentral · Heat Pump

Outside & construction

RoofOther
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesNorth
ParkingDriveway · Garage Door Opener · Golf Cart Parking · Ground Level · Other
ExteriorBalcony · Lighting · Private Mailbox · Private Yard · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$5,041/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Phone Available · Public · Sewer Available · Water Available
WaterPublic

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%

Principal & interest$7,446
PMI (est., until 20% equity)$518
Property tax — 2025 actual bill$420
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $138,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $138,000
Interest rate6.00%
Loan term

Estimated payment

$8,544/mo

Principal & interest$7,446
PMI (est., until 20% equity)$518
Property taxes (actual bill)$420
Est. insurance$160

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

20
30
15
8 · this home
6
14
$134–234$234–333$333–433$433–533$533–633$633+

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

Map of 1090 MAIN STREET

Drive times from this address

Tampa Int’l Airport (TPA)24 min
Downtown Tampa27 min

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

HighCountryside High School★★★★★
ElementaryLeila Davis Elementary School★★★★
MiddleSafety Harbor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Safety Harbor market

Seller’s marketBalanced6.1 months of inventoryBuyer’s 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

CurrentPrice reduced to $1,380,000 $319K
May 15, 2026Listed at $1,699,000 · 79 days on market since
2026Built · SEMINOLE PARK REV

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.

360 10TH AVENUE SSold · Jan ’26

$705,000

360 10TH AVENUE S · same community

4 bd · 3 ba · 2,797 sqft · $252/sqft · 11 DOM

1005 MAIN STREETSold · Nov ’25

$907,000

1005 MAIN STREET · same community

3 bd · 2 ba · 2,550 sqft · $356/sqft · 124 DOM

355 12TH AVENUE NSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1090 MAIN STREET — start here.

Andrew Acosta

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.

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.

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.

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