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Overview

2 bd2 ba1,013 sqftVilla
TypeVilla
HOA$175/mo
Built1982
Lot3,973 sqft
Living area1,013 sqft
Price / sqft$331

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

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanSolid Surface CountersSplit BedroomStone CountersVaulted Ceiling(s)

321 Dover CT E is a 1982-built home in Bay Towne, Safety Harbor. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,013 square feet of living space. Listed at $335,000 (about $331/sqft), 76 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $175 monthly.

From the listing

Welcome to 321 Dover Ct E, a beautifully maintained 2-bedroom, 2-bath end-unit villa nestled in the desirable Bay Towne community of Safety Harbor. Offering the feel of a single-family home with the convenience of low-maintenance living, this light and bright residence features an open floor plan, vaulted ceilings, split-bedroom layout, and tile and laminate flooring throughout. The spacious living and dining areas flow seamlessly into the kitchen, creating an inviting space for both everyday living and entertaining. The primary suite offers privacy and comfort with an en-suite bath and generous closet space, while the second bedroom and bathroom are ideally situated in the home to provide privacy for guests. Step outside to the screened lanai and enjoy the privacy of the fenced backyard, mature landscaping, and additional outdoor living space. An attached storage area provides convenient room for bikes, tools, and recreational gear. Residents also enjoy access to the community pool and other neighborhood amenities. One of the home's standout features is the transferable solar panel system, offering the next owner the opportunity to take advantage of solar energy and reduced electric costs. The solar system adds an attractive combination of energy efficiency and long-term value for the future owner. Located just minutes from everything that makes Safety Harbor special, this home provides easy access to downtown Safety Harbor, waterfront parks, restaurants, shopping, and recreation, while also offering convenient access to Tampa, Clearwater, and the Gulf beaches. If you're looking for a move-in-ready home with a private outdoor space, spacious interior layout, and desirable community amenities, this villa is a must-see.

The essentials

Built
1982
Price / sqft
$331
On market
76 days
Annual tax
$4,068
HOA
$175/mo
Flood zone
X · Low risk
Lot
3,973 sqft
Type
Villa

At a glance

Villa
Built 1982
Community pool
Shared amenity
Assigned parking
3,973 sqft lot
Lot size
1,013 sqft
Living area

Payment

Est. monthly payment
$2,428/mo
Down payment (20%)
$67,000
Property taxes
$339/mo
HOA
$175/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1982
Lot
3,973 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Assigned, None, Parking Pad
Days on Market
76
Cathedral Ceiling(s)
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Split Bedroom
Stone Counters
Vaulted Ceiling(s)
Window Treatments
Storage
Deed Restrictions
Pool
Dishwasher
Disposal
Dryer
Electric Water Heater
Range
Range Hood
Washer
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)
$4,068
Parcel #
34-28-16-05269-000-2120

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
Bay Towne
County
Pinellas
MLS Area
34695 - Safety Harbor
Lot Size
3,973 sqft
City Limits
HOA
$175/mo
Colin Sounder

Price history

Date
Event
Price
10/13/2026
Price change
Source: Stellar MLS #TB8544488
$335,000-6.9%
$331/sqft
8/5/2026
Listed for sale
Source: Stellar MLS #TB8544488
$360,000
$355/sqft

Neighborhood

321 Dover CT E
Safety Harbor, FL, 34695 · 34695 - Safety Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $335,000
$327,500 – $335,000
97.7% – 100% of listTops out right at the list price
80% of listList price
12 of the last 23 townhouse or villa closings in 34695 landed at this number or higher (52%). The median one sat 49 days before it went under contract, and this one is on day 76 after a $25,000 cut.

Sample: 23 closed townhouse or villa sales in 34695 over the last 8 months, Stellar MLS. A small sample in a thin market. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,429/mo
Principal & interest$1,747
Property taxes$339
Insurance$168
HOA$175
Down payment20% · $67,000
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%. HOA includes any condo dues reported on the listing. 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

$335,000

$331 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,013 sq ft

Time on market

76 days

Year built

1982

Monthly payment

About $2,428/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,068 annual tax bill, insurance, and the $175/mo HOA fee.

HOA fee

$175/mo

Managed by Colin Sounder.

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 byEXP REALTY LLCListing agent: Tanner TillungListing data from Stellar MLS, MLS# TB8544488.

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