86 COTTAGEWOOD DRIVE UNIT 36, SAFETY HARBOR, FL, 34695
Active49 days on marketListed Jun 15, 2026MLS #TB8518196
About this home
86 COTTAGEWOOD DRIVE UNIT 36
Now available in the sought-after Briar Creek community, this charming home sits beside Dove Lake, offering peaceful views and a relaxing atmosphere. Designed for residents aged 55 and over, Briar Creek is a resident-owned, meticulously maintained neighborhood where fee simple land ownership means you never pay lot rent. The location is unbeatable—just minutes from the hospital, shopping centers, and excellent restaurants, making everyday living convenient and enjoyable. For nature lovers you are approximately ten miles away from the beautiful beaches of Honeymoon Island and Caladesi State Parks. You will love your new affordable lifestyle with a monthly maintenance fee of only $250, covering water, sewer, trash, lawn care, private roads, clubhouse access, a sparkling pool and spa, pickleball courts, and RV/boat parking. Golf carts are welcome, adding to the ease of getting around the community. This spacious home features two bedrooms and two bathrooms with 1,301 square feet, making it an ideal choice for a winter retreat or a comfortable retirement haven. The expansive living room and oversized eat-in kitchen with a center island are perfect for hosting gatherings and entertaining family and friends. Adjoining the kitchen is the family room with built-in desk for your computer. 11 X 11 screened porch with vinyl windows overlooks Dove Lake. New TPO roof in 2015, new A/C in 2022 and new hot water heater in 2021. This beautiful home is waiting for its new owner to enjoy all that Briar Creek has to offer. All room sizes are approximate and should be verified by Buyer.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,301
Sqft
0.12 ac
Lot size
1980
Year built
One
Levels
$184
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.
$1,702 /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
$1,702/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
+42%
$/sqft vs Safety Harbor actives
$184 vs $325
Days on market
49 vs 62 typical
Where $184/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
$548K → $537K
Safety Harbor median sold, yr/yr
96.9%
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 54% 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 86 COTTAGEWOOD DRIVE UNIT 36
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$150,000
143 FOREST LANE UNIT 14 · same community
3 bd · 2 ba · 1,296 sqft · $116/sqft · 2 DOM
Sold · Jul ’26$155,000
136 FOREST LANE UNIT 4 · same community
2 bd · 2 ba · 1,327 sqft · $117/sqft · 37 DOM
Sold · Mar ’26$100,000
58 COTTAGEWOOD DRIVE UNIT 22 · same community
2 bd · 2 ba · 1,351 sqft · $74/sqft · 126 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 86 COTTAGEWOOD DRIVE UNIT 36 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 86 COTTAGEWOOD DRIVE UNIT 36 — 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
86 COTTAGEWOOD DRIVE UNIT 36 FAQs
What would the monthly payment be for 86 COTTAGEWOOD DRIVE UNIT 36?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,702/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 86 COTTAGEWOOD DRIVE UNIT 36?+
The most recent tax bill on record (2025) was $347. 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 86 COTTAGEWOOD DRIVE UNIT 36?+
The listing reports pets: Number Limit, Size Limit, Yes. 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 $239,000, this home is listed about 62% below the Safety Harbor median of $622,450. The market section on this page shows how the area is trending.
Which schools are assigned to 86 COTTAGEWOOD DRIVE UNIT 36?+
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
$239,000 is 54% below the SAFETY HARBOR 34695 median of $514,450, and at $184/sqft it sits under the Safety Harbor average of $410.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
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 $260,000, now $239,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Jayne Phoenix. MLS #TB8518196.
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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