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About this home
345 Plymouth St is a 1980-built home in Bay Towne, Safety Harbor. Inside you'll find 2 bedrooms, 1 bathrooms, and 939 square feet of living space. Listed at $324,900 (about $346/sqft), 11 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $175 monthly.
Less upkeep, more Florida—this updated 2-bedroom, 1-bath villa in Safety Harbor’s Bay Towne community makes a compelling case for enjoying life beyond your to-do list. Whether you’re looking for a year-round home or a seasonal retreat, this single-story residence pairs solid block construction with thoughtful updates, smart technology, and inviting outdoor space... Inside, vaulted ceilings add an airy feel to the living and dining area, complemented by textured ceilings with the popcorn finish removed, recessed lighting, updated outlets, and a newer ceiling fan. The kitchen brings style and function together with granite countertops, a butcher-block accent, updated appliances, and reverse-osmosis filtration at the sink. The bathroom features updated vanities and tile work... The improvements reach well beyond the finishes. The seller reports a 2020 roof, hurricane-impact windows, whole-home re-piping completed in 2023, and upgraded attic insulation with a radiant barrier. The Trane HVAC system has received replacement coils and a blower, with the air handler relocated from the attic to a hall closet for easier access. A REME HALO air purification system adds another thoughtful touch... Smart lighting, Cat 6 Ethernet connections in both bedrooms and the living room, wired front and rear security cameras, and a Tesla Level 2 EV wall charger bring everyday convenience into the mix... Solar power adds another appealing benefit: enjoy renewable energy without the upfront expense of purchasing panels. The seller reports current monthly costs of approximately $106 for the solar lease plus $30 to Duke Energy—approximately $136 combined, leaving more room in the budget for enjoying Florida. The existing solar setup offers the buyer an opportunity to assume the lease, subject to provider approval. The seller also reports an option to discontinue after three years, subject to the agreement’s terms and provider confirmation. Actual electricity costs and savings vary with usage, solar production, and utility rates... Outside, an awning-covered front porch offers a welcoming place to pause, while the screened rear patio with pavers and fenced backyard invite outdoor dining, morning coffee, or a little well-earned downtime. Located in Flood Zone X, the property also offers access to a community pool. Per the seller, HOA services include lawn care, cable TV, high-speed internet, and select streaming subscriptions; buyers should confirm current coverage with the association... Then there’s the location: nearby downtown Safety Harbor offers Main Street shops, local restaurants, arts, and community events, while Philippe Park delivers shaded grounds and beautiful bay views. Enjoy the historic Safety Harbor Resort & Spa, explore local parks and trails, or head west for a Gulf beach day at Clearwater Beach, Honeymoon Island, Sand Key, Indian Rocks Beach, or Indian Shores. Access to Clearwater, Tampa, St. Petersburg, Tampa International Airport, and St. Pete–Clearwater International Airport keeps regional destinations within reach... A comfortable home base with plenty of reasons to get out and enjoy Florida—schedule your showing and discover the possibilities.
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The essentials
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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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
$324,900
$346 per sq ft
Beds and baths
2 beds, 1 baths
Size
939 sq ft
Time on market
11 days
Year built
1980
Monthly payment
About $2,352/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,841 annual tax bill, insurance, and the $175/mo HOA fee.
HOA fee
$175/mo
Managed by Management Associates Inc / Steve.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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