345 BAILEY STREET, SAFETY HARBOR, FL, 34695
Active38 days on marketListed Jun 22, 2026MLS #TB8521161
About this home
345 BAILEY STREET
Location, Location. The perfect Home for all stages of life. No yard up keep just endless opportunity to live the Harbor Life. Steps from Old Tampa Bay and blocks from Down Town Safety Harbor. The welcoming front porch is the perfect place to enjoy the sunrise & sunset over the Bay. The first floor features 3 large living spaces around an open kitchen. Leaving options for several configurations including room for an in home office. All 3 bedrooms are located on the second floor. The master has a walk in closet and spacious master bath. The second full bath is between the 2nd and 3rd bedrooms. The home is located in a non flood zone. Easy access to two Airports. Safety Harbor is between St Pete and Tampa. Yet only 25min from Clearwater Beach. The Town has great shops, restaurants and plenty of parks to enjoy. ** Water, Sewer & Trash included in Rent Rate**
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,240
Sqft
0.17 ac
Lot size
1
Garage
1984
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$199 /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
$199/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$2 vs $324
Days on market
38 vs 55 typical
Where $2/sqft sits among the 96 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)
54 of 96
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 99% 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 345 BAILEY 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$357,000
680 1ST AVENUE N · same community
2 bd · 1 ba · 1,309 sqft · $273/sqft · 128 DOM
Sold · Aug ’25$2,060,000
827 N BAYSHORE DRIVE · same community
3 bd · 3 ba · 3,355 sqft · $614/sqft · 0 DOM
Sold · Jul ’26$860,000
1301 ALAMEDA AVENUE
4 bd · 2 ba · 2,122 sqft · $405/sqft · 1 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 345 BAILEY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 345 BAILEY 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
345 BAILEY STREET FAQs
What would the monthly payment be for 345 BAILEY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $199/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 345 BAILEY STREET?+
The listing reports pets: No. 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 $5,400, this home is listed about 99% below the Safety Harbor median of $554,950. The market section on this page shows how the area is trending.
Which schools are assigned to 345 BAILEY 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
01Under the SAFETY HARBOR 34695 market on paper
$5,400 is 99% below the SAFETY HARBOR 34695 median of $494,450, and at $2/sqft it sits under the Safety Harbor average of $403.
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 $5,600, now $5,400 — a $200 cut. The full history is in the market section below.
Listing courtesy of BLAKE REAL ESTATE INC · Heather Hildick. MLS #TB8521161.
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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