526 5TH AVENUE N, SAFETY HARBOR, FL, 34695
Active54 days on marketListed Jun 11, 2026MLS #TB8518332
About this home
526 5TH AVENUE N
Welcome to the Sunshine Cottage—a beautifully restored and fully furnished 2-bedroom, 1-bath retreat just four blocks from Main Street in Safety Harbor. Blending vintage charm with modern comfort, this 1948 cottage is filled with warmth, character, and natural light, offering a truly unique living experience in one of Tampa Bay’s most beloved coastal towns. Currently operating as a successful Airbnb with a five-star Superhost history, this property presents a rare opportunity for immediate income generation or a seamless transition into a private residence. Whether you’re an investor, seasonal buyer, or someone seeking a creative escape, the flexibility here is unmatched. Inside, you’ll find a bright, open layout with high ceilings and thoughtfully curated finishes throughout. The kitchen features a colorful mosaic backsplash, abundant cabinetry, and flows effortlessly into the main living space—perfect for entertaining. The home’s two bedrooms are cozy and inviting, including a primary with a queen bed and a guest room with a trundle, ideal for visitors. The updated bathroom showcases a modern white vanity, honeycomb tile flooring, and a beautifully tiled shower. Step outside to enjoy the charming front porch and private patio—perfect spaces to unwind and soak in the Florida sunshine. Situated on a spacious lot with a durable metal roof, the home offers both character and peace of mind. Just moments away, downtown Safety Harbor offers an unmatched lifestyle—Sunday markets, live music, waterfront views, and local favorites, along with easy access to Philippe Park, scenic bike trails, and the bay. Whether you’re looking for a turnkey investment, a weekend getaway, or a full-time residence with soul, Sunshine Cottage delivers a rare blend of charm, location, and opportunity. There is also a unique opportunity to own multiple homes with 3 total parcels (17,250 sq ft total) on the same block.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
823
Sqft
0.13 ac
Lot size
1948
Year built
One
Levels
$485
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.
$3,022 /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
$3,022/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
+1.4%
$/sqft vs Safety Harbor actives
$485 vs $324
Days on market
54 vs 61 typical
Where $485/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 → $554K
Safety Harbor median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
54 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 22% 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 526 5TH 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 · Dec ’25$342,000
340 8TH AVENUE N
2 bd · 1 ba · 864 sqft · $396/sqft · 1 DOM
Sold · Nov ’25$168,000
1249 ABBEY CRESCENT LANE
1 bd · 1 ba · 894 sqft · $188/sqft · 147 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 526 5TH AVENUE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 526 5TH 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
526 5TH AVENUE N FAQs
What would the monthly payment be for 526 5TH AVENUE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,022/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 526 5TH AVENUE N?+
The most recent tax bill on record (2025) was $4,040. 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 526 5TH AVENUE N?+
The listing reports pets: 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 $399,000, this home is listed about 36% below the Safety Harbor median of $620,000. The market section on this page shows how the area is trending.
Which schools are assigned to 526 5TH 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
Three things that matter here
01Under the SAFETY HARBOR 34695 market on paper
$399,000 is 22% below the SAFETY HARBOR 34695 median of $514,450.
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.
Keep looking
Similar homes nearby
Listing courtesy of SERHANT · Zoltan Vincze. MLS #TB8518332.
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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