108 Irwin St E, photo 1
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Overview

3 bd3 ba2,634 sqft3 car garageSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot10,820 sqft
Living area2,634 sqft
Price / sqft$455
Garage3 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
WATER VIEW HEIGHTS
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

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11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Ceiling Fans(s)IN Wall Pest SystemKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsWalk-in Closet(s)

108 Irwin St E is a 2026-built home in Water View Heights, Safety Harbor. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,634 square feet of living space. Listed at $1,199,000 (about $455/sqft), 197 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Why buy an older home and spend time and money replacing what’s already aging when a beautiful, brand-new luxury custom home is available now in Safety Harbor? Everything here is new—not remodeled, replaced, or added to an older structure. From the foundation and reinforced concrete-block walls to the roof, impact-rated hurricane windows, fiberglass exterior doors, electrical, plumbing, HVAC, insulation, and interior finishes, the entire home was built new to today’s Florida building standards. This 3-bedroom, 3-bath home offers 2,634 sq. ft. of living space, a large private flex room/office, an oversized 3-car garage, and an approximately 400-sq.-ft. raised covered lanai. It’s completed, move-in ready, and offers the peace of mind, energy efficiency, hurricane protection, and lower maintenance that come with owning a truly new home. The open floor plan features 10-foot ceilings, porcelain tile flooring, designer lighting, and abundant natural light. The kitchen is designed for everyday living and entertaining with solid wood cabinetry, Cambria quartz countertops, a full-height quartz backsplash, premium stainless-steel appliances, a large island, and a walk-in pantry. The spacious primary suite includes two custom walk-in closets, dual vanities, and an oversized designer walk-in shower. The split-bedroom layout provides privacy for family and guests, while the large flex room can serve as a home office, den, gym, media room, or additional guest space. Enjoy Florida living on the approximately 400-sq.-ft. raised covered lanai, already equipped with a TV connection plus water and gas rough-ins for a future outdoor kitchen. Quality construction includes a reinforced stem-wall foundation, reinforced concrete-block construction, Timberline HDZ shingles with peel-and-stick roof underlayment, R-38 attic insulation, impact-rated hurricane windows, fiberglass exterior doors, an in-wall pest-control system, irrigation, new landscaping, fencing, and a new lift station and meter. Located in desirable Flood Zone X with NO HOA, this home is close to charming Downtown Safety Harbor, Philippe Park, Tampa Bay, restaurants, boutiques, parks, and recreation. Why renovate when you can start fresh? Everything is new, built together from the ground up, and ready for its first owner now.

The essentials

Built
2026
Price / sqft
$455
On market
197 days
Annual tax
$5,754
Flood zone
X · Low risk
Lot
10,820 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
3 car garage
0.25 acres
Lot size
2,634 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$7,332/mo
Down payment (20%)
$239,800
Property taxes
$479/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
10,820 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
197
Ceiling Fans(s)
IN Wall Pest System
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Walk-in Closet(s)
Lighting
Private Mailbox
Private Yard
Street Lights
Cooktop
Dishwasher
Disposal
Electric Water Heater
Microwave
Range Hood
Refrigerator
Water Filtration System
Elementary
Safety Harbor Elementary-PN
Middle
Safety Harbor Middle-PN
High
Countryside High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone x
Annual Tax (2025)
$5,754
Parcel #
34-28-16-95094-003-0090

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
Water View Heights
County
Pinellas
MLS Area
34695 - Safety Harbor
Lot Size
10,820 sqft

Price history

Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #TB8491819
$1,199,000-7.7%
$455/sqft
-
Price change
Source: Stellar MLS #TB8491819
$1,299,000-18.8%
$493/sqft
3/28/2026
Listed for sale
Source: Stellar MLS #TB8491819
$1,599,000
$607/sqft

Neighborhood

108 Irwin St E
Safety Harbor, FL, 34695 · 34695 - Safety Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $1,199,000
$1.18M – $1.20M
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 197 after a $400,000 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
$7,332/mo
Principal & interest$6,253
Property taxes$479
Insurance$600
Down payment20% · $239,800
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

$1,199,000

$455 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,634 sq ft

Time on market

197 days

Year built

2026

Monthly payment

About $7,332/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,754 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 byBUSINESS & REALTY CONSULTING OF FLORIDAListing agent: Emiliya CogdillListing data from Stellar MLS, MLS# TB8491819.

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