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Overview

0 ba9,605 sqftRetail
TypeRetail
HOANone listed
Built1918
Lot19,611 sqft
Living area9,605 sqft
Price / sqft$416

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

454 Main St is a 1918-built home in Green Spgs, Safety Harbor. Listed at $3,999,000 (about $416/sqft), 528 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

We are proud to exclusively market for sale Harbor Inn on Main, a rare generational asset located in the heart of one of America's most celebrated small towns. With 155 feet of frontage on vibrant Main Street—recently ranked #10 Best Main Street in the U.S. and #5 Best Small Town in the South by USA Today—this mixed-use property offers unmatched charm, versatility, and income potential. Built in 1918 and meticulously maintained, the property features 9,605 SF under roof and 2,599 SF of balcony space. Zoned Main Street Marketplace (MSM), this historic gem supports a wide variety of permitted uses including retail, multi-family, office, hospitality, and entertainment. Currently operating as a hybrid LTR/STR top-rated Airbnb Superhost with (8) turnkey apartment units—(6) one-bedrooms and (2) studios—each with full kitchens and baths. This income-generating property is perfect for investors or owner-occupiers. An opportunity also exists to expand with a 9th additional unit or owner/manager’s suite. The ground-floor retail space is elevated above street level and flooded with natural light, offering excellent visibility and a welcoming Main Street presence. Total retail square footage is equal to 2,983 SF and is currently rented month to month offering flexibility for an owner operator to occupy or generate longer term income. Recent capital improvements include a new roof (2020) on the primary building and new HVAC with ductwork (2023) in the retail space. Additional highlights: 14 private parking spaces, Garage/storage space, Located in Flood Zone X, Just blocks from the iconic Safety Harbor Spa, Two majestic “Great Oaks” on site, Steps away from the lively Third Friday Street Festival—a monthly downtown celebration of music, art, food, and community. This is more than a property—it’s a piece of Safety Harbor history with modern upside. Contact us today for details or to schedule a private tour.

The essentials

Built
1918
Price / sqft
$416
On market
528 days
Annual tax
$26,285
Flood zone
X · Low risk
Lot
19,611 sqft
Type
Retail

At a glance

Single family
Built 1918
0.45 acres
Lot size
9,605 sqft
Living area

Payment

Est. monthly payment
$25,046/mo
Down payment (20%)
$799,800
Property taxes
$2,190/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Retail
Year Built
1918
Lot
19,611 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central, Natural Gas
Parking
-
Days on Market
528
Flood Zone X
Annual Tax (2024)
$26,285
Parcel #
03-29-16-33372-013-0020

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
Green Spgs
County
Pinellas
MLS Area
34695 - Safety Harbor
Lot Size
19,611 sqft
Corner Lot

Price history

Date
Event
Price
12/8/2025
Price change
Source: Stellar MLS #TB8381286
$3,999,000-7.0%
$416/sqft
-
Price change
Source: Stellar MLS #TB8381286
$4,300,000-13.9%
$448/sqft
5/1/2025
Listed for sale
Source: Stellar MLS #TB8381286
$4,995,000
$520/sqft

Neighborhood

454 Main St
Safety Harbor, FL, 34695 · 34695 - Safety Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $3,999,000
$3.95M – $4.00M
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 528 after a $996,000 cut.

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

Talk through an offer with our team

Calculator

Est. monthly payment
$25,046/mo
Principal & interest$20,856
Property taxes$2,190
Insurance$2,000
Down payment20% · $799,800
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

$3,999,000

$416 per sq ft

Size

9,605 sq ft

Time on market

528 days

Year built

1918

Monthly payment

About $25,046/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $26,285 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?

Have another question?

Brokered byKELLER WILLIAMS TAMPA PROP.Listing agent: Alexander LuckeListing data from Stellar MLS, MLS# TB8381286.

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