103 Royal CT, photo 1
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Overview

4 bd4 ba3,282 sqft3 car garageSingle Family
TypeSingle Family
HOA$1,700/yr
Built1994
Lot12,811 sqft
Living area3,282 sqft
Price / sqft$457
Garage3 car

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About this home

Built-in FeaturesCeiling Fans(s)Eat-in KitchenElevatorHigh CeilingsOpen FloorplanPrimarybedroom UpstairsSolid Wood Cabinets

103 Royal CT is a 1994-built home in Philippe Pointe, Safety Harbor. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,282 square feet of living space. Listed at $1,500,000 (about $457/sqft), 17 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $1,700 annually.

From the listing

Nestled on a premier corner cul-de-sac lot within Safety Harbor’s highly coveted Philippe Pointe neighborhood, the elevated Key West-style retreat at 103 Royal Ct stands as a masterclass in sophisticated coastal living. Expertly manicured grounds frame this grand estate, where a permanent natural buffer ensures absolute privacy, and panoramic views of Old Tampa Bay stretch across the horizon. Every morning here begins with a brilliant sunrise dancing across the water, while evenings showcase the distant, glistening lights of the Tampa skyline. The journey inside begins through custom leaded glass front doors that open up to a grand, sun-drenched main level where formal and casual spaces flow seamlessly together. To the left, an expansive dining room sets an elegant stage for hosting, while straight ahead, the open family room anchors the heart of the home. Steps away, a bright, efficient chef’s kitchen serves as a natural gathering point, complete with a cozy breakfast nook and a casual snack bar. Glass doors transition the indoor living out onto a sweeping wrap-around deck, inviting you to dine alfresco against the backdrop of the bay. This level is rounded out by a quiet sunroom and office that accesses an independent open balcony, alongside two spacious bedrooms and a versatile bonus room. The entire third floor is dedicated to a spectacular, private master oasis designed around its breathtaking environment. Massive windows wrap around the suite to capture the best waterfront vistas imaginable, allowing you to wake up to the sight of the bay from every angle before stepping out onto a private balcony. Custom decor elevates the tranquility of this top-level retreat, which features an adjoining spa-like bath and deep walk-in closets. Down on the ground level, multi-generational living or guest hosting is made effortless by a private fourth bedroom suite equipped with its own full bath. This level walks straight out to a screen-enclosed backyard resort, highlighted by a pristine pool and spillover spa. A covered lanai features year-round entertaining, situated next to a massive 3-car garage with oversized bays and built-in workshop space. Meticulously maintained with robust full stucco construction, a custom paver driveway, and a durable new roof, this remarkable property sits just steps from the historic trails of Philippe Park and minutes from the vibrant boutique shopping, cafes, and local festivals of downtown Safety Harbor. ROOF = 2025 / HVAC = 4 UNITS: 2011, 2018, 2019, 2025 / WATER HEATER = 2017

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The essentials

Built
1994
Price / sqft
$457
On market
17 days
Annual tax
$12,051
HOA
$1,700/yr
Flood zone
AE
Lot
12,811 sqft
Type
Single Family Residence

At a glance

Single family
3 stories · 1994
Waterfront
Bay/Harbor
Private pool
Heated
3 car garage
Driveway
0.29 acres
Lot size

Payment

Est. monthly payment
$9,719/mo
Down payment (20%)
$300,000
Property taxes
$1,004/mo
HOA
$1,700/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1994
Lot
12,811 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Golf Cart Parking, Ground Level, Off Street, On Street, Garage, Basement, Workshop in Garage
Pool
Gunite, Heated, In Ground, Lighting, Outside Bath Access, Salt Water, Screen Enclosure
Waterfront
Bay/Harbor
Days on Market
17
Built-in Features
Ceiling Fans(s)
Eat-in Kitchen
Elevator
High Ceilings
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Balcony
Fire Pit
Hurricane Shutters
Lighting
Outdoor Shower
Private Mailbox
Sidewalk
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Kitchen Reverse Osmosis System
Microwave
Range
Refrigerator
Washer
Water Softener
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.

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$12,051
Parcel #
27-28-16-68624-000-0160

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
Philippe Pointe
County
Pinellas
MLS Area
34695 - Safety Harbor
Lot Size
12,811 sqft
Corner LotCul-De-SacFlood Insurance RequiredFloodZoneCity LimitsIrregular LotLandscapedSidewalkStreet Dead-EndPaved
HOA
$1,700/yr
Philippe Point / Tom Thrailkill

Price history

Date
Event
Price
9/23/2026
Listed for sale
Source: Stellar MLS #TB8551374
$1,500,000
$457/sqft

Neighborhood

103 Royal CT
Safety Harbor, FL, 34695 · 34695 - Safety Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $1,500,000
$1.48M – $1.50M
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 17.

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
$9,719/mo
Principal & interest$7,823
Property taxes$1,004
Insurance$750
HOA$142
Down payment20% · $300,000
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 is the fee 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

$1,500,000

$457 per sq ft

Beds and baths

4 beds, 4 baths

Size

3,282 sq ft

Time on market

17 days

Year built

1994

Monthly payment

About $9,719/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $12,051 annual tax bill, insurance, and the $1,700/yr HOA fee.

HOA fee

$1,700/yr

Managed by Philippe Point / Tom Thrailkill.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byCOASTAL PROPERTIES GROUP INTERNATIONALListing agent: Richard KosterListing data from Stellar MLS, MLS# TB8551374.

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