
859 HARBOR HILL DRIVE, SAFETY HARBOR, FL, 34695
Active4 days on marketListed Jul 29, 2026MLS #TB8533653
About this home
859 HARBOR HILL DRIVE
Welcome home where modern updates, exceptional living space, and an unbeatable Safety Harbor location come together in one remarkable home. Nestled on an oversized 0.28-acre lot in the desirable Winding Oaks community, this beautifully updated 4-bedroom, 2-bath residence offers a true 2,782 square feet of living space, including a fully finished, air-conditioned walkout basement connected to the main level by a striking spiral staircase. Step inside to discover a spacious, open-concept floor plan filled with natural light and designed for both everyday living and entertaining. The heart of the home is the stunning, updated kitchen featuring an oversized granite island, abundant cabinetry, granite countertops, stainless steel appliances, and an expansive breakfast bar overlooking the inviting family room with its impressive stone wood-burning fireplace. Luxury vinyl plank flooring installed throughout the home in 2023 creates a seamless, contemporary look while adding durability and warmth. The thoughtfully updated kitchen includes new granite countertops, refrigerator, range, microwave, dishwasher, garbage disposal, and additional upgrades completed in 2023, making it truly move-in ready. Both bathrooms also feature matching granite countertops, providing a cohesive and upscale finish throughout the home. One of the home's most unique features is the 740-square-foot finished walkout basement, offering incredible flexibility as a fourth bedroom, guest suite, home office, media room, fitness area, playroom, or multigenerational living space. An additional oversized storage room serves as the closet for the fourth bedroom and provides abundant space rarely found in homes throughout the area. The spacious primary suite offers privacy and comfort, while the secondary bedrooms are generously sized with excellent natural light. Every room reflects the pride of ownership and extensive updates completed over the past several years. Outdoor living is equally impressive. Step outside to the expansive screened-in covered deck, creating an incredible extension of the living space and the perfect setting for morning coffee, outdoor dining, or relaxing while overlooking the very large fenced backyard. The irrigation system is supplied by a private well featuring a brand-new deep well pump installed in July 2026, helping maintain the lush landscaping while reducing water costs. Additional recent improvements include: • New downstairs AC (2026) • New upstairs AC (2023) • New roof (2015) • Luxury vinyl plank flooring (2023) • Granite countertops throughout (2023) • New refrigerator, range, microwave, dishwasher, and garbage disposal (2023) Location is everything, and this home delivers. Enjoy the convenience of being walking or golf-cart distance to charming downtown Safety Harbor, with its award-winning restaurants, boutiques, festivals, marina, and waterfront parks. You're also just one mile from the iconic Safety Harbor Pier and only moments from the Safety Harbor Community Center, waterfront parks, top-rated schools, Philippe Park, Tampa International Airport, beautiful Gulf beaches, and major commuter routes. With extensive updates, an exceptionally rare finished basement, an oversized lot, an incredible outdoor living space, and one of the most desirable locations in Pinellas County, this home offers a lifestyle that is truly difficult to duplicate. This is your opportunity to own one of Safety Harbor's most distinctive homes.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,782
Sqft
0.28 ac
Lot size
2
Garage
1993
Year built
Two
Levels
$288
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.
$5,303 /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
$5,303/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.
vs edgeAI estimate
−12.1%
$/sqft vs Safety Harbor actives
$288 vs $325
Days on market
4 vs 55 typical
Where $288/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
$508K → $630K
Safety Harbor median sold, yr/yr
96.7%
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 60% 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 859 HARBOR HILL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$740,000
3240 SAN MATEO STREET
4 bd · 3 ba · 2,645 sqft · $280/sqft · 24 DOM
Sold · Nov ’25$875,000
3250 SAN PEDRO STREET
4 bd · 2.5 ba · 2,624 sqft · $333/sqft · 7 DOM
Sold · Jul ’26$510,000
3133 BAY LANE
5 bd · 3.5 ba · 2,494 sqft · $204/sqft · 38 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 859 HARBOR HILL DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 859 HARBOR HILL DRIVE — 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
859 HARBOR HILL DRIVE FAQs
What would the monthly payment be for 859 HARBOR HILL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,303/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 859 HARBOR HILL DRIVE?+
The most recent tax bill on record (2025) was $6,325. 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 $799,900, this home is listed about 44% 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 859 HARBOR HILL DRIVE?+
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
$799,900 runs 60% above the SAFETY HARBOR 34695 median — but at 2,782 sqft it's also 63% larger than the typical Safety Harbor listing.
02Fresh on the market
Only 4 days on market in a Safety Harbor market that averages 55 — if it fits, move quickly.
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 CHARLES RUTENBERG REALTY INC · Bill Smith. MLS #TB8533653.
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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