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Overview

3 bd3 ba2,164 sqft1 car garageSingle Family
TypeSingle Family
HOANone listed
Built2023
Lot5,872 sqft
Living area2,164 sqft
Price / sqft$347
Garage1 car

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About this home

Built-in FeaturesCeiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen Floorplan

525 Elm St is a 2023-built home in Lincoln Heights, Safety Harbor. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,164 square feet of living space. Listed at $749,990 (about $347/sqft), 136 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to luxury living in the heart of charming downtown Safety Harbor! Built in 2023 with exceptional craftsmanship and no expense spared, this stunning custom residence perfectly blends modern elegance with timeless Florida charm. Featuring 3 bedrooms, 2.5 bathrooms, and a spacious two-story design, this professionally constructed home offers the ideal combination of comfort, style, and privacy. Step inside to discover an open and inviting floor plan highlighted by designer finishes, modern features, stainless steel appliances, and beautiful tile and luxury water-resistant vinyl flooring throughout. The thoughtfully designed split floor plan provides enhanced privacy, while each bathroom showcases custom tile work and upscale finishes. Additional upgrades include double-pane windows for energy efficiency, private garage, vinyl fencing, and professionally designed custom landscaping that enhances the home’s curb appeal. With a covered front porch, a covered back porch, and a bonus outdoor porch on the second story covered with ceiling fan, never miss a Florida sunset, or reading a book for a beautiful sunrise. The oversized fenced in backyard allows for privacy, pets, with plenty of space for outdoor activities, like a summer BBQ, and entertaining family, friends, and guests. Add a pool if you desire! The spacious two-story layout creates flexible living spaces perfect for both entertaining and everyday living. Located in NO FLOOD ZONE, nestled beneath the grand oak trees that make downtown Safety Harbor so desirable, enjoy peaceful shaded walks just minutes from the world-renowned Safety Harbor Resort and Spa, waterfront parks, the bay, boutique shopping, dining, and top-rated schools. This is a rare opportunity to own a nearly new luxury custom home in one of Tampa Bay’s most sought-after communities. Call today for your private showing!

The essentials

Built
2023
Price / sqft
$347
On market
136 days
Annual tax
$9,582
Flood zone
X · Low risk
Lot
5,872 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
1 car garage
Driveway
5,872 sqft lot
Lot size
2,164 sqft
Living area

Payment

Est. monthly payment
$5,084/mo
Down payment (20%)
$149,998
Property taxes
$799/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,872 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener, Ground Level, Guest, On Street, Oversized
Days on Market
136
Built-in Features
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Balcony
French Doors
Private Entrance
Private Mailbox
Sidewalk
Street Lights
Built-in Oven
Cooktop
Dishwasher
Disposal
Microwave
Range Hood
Refrigerator
Tankless Water Heater
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$9,582
Parcel #
04-29-16-51822-003-0100

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Lincoln Heights
County
Pinellas
MLS Area
34695 - Safety Harbor
Lot Size
5,872 sqft

Price history

Date
Event
Price
7/9/2026
Price change
Source: Stellar MLS #L4962266
$749,990-1.3%
$347/sqft
5/28/2026
Listed for sale
Source: Stellar MLS #L4962266
$759,900
$351/sqft

Neighborhood

525 Elm St
Safety Harbor, FL, 34695 · 34695 - Safety Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $749,990
$740,000 – $749,990
98.8% – 100% of listTops out right at the list price
80% of listList price
50 of the last 99 home closings in 34695 landed at this number or higher (51%). The median one sat 22 days before it went under contract, and this one is on day 136 after a $9,910 cut.

Sample: 99 closed home sales in 34695 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,085/mo
Principal & interest$3,911
Property taxes$799
Insurance$375
Down payment20% · $149,998
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$749,990

$347 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,164 sq ft

Time on market

136 days

Year built

2023

Monthly payment

About $5,084/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,582 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byKELLER WILLIAMS REALTY SMARTListing agent: Trevor AlbergoListing data from Stellar MLS, MLS# L4962266.

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