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Overview

2 bd1 ba939 sqftVilla
TypeVilla
HOA$175/mo
Built1980
Lot2,492 sqft
Living area939 sqft
Price / sqft$346

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

About this home

Ceiling Fans(s)Solid Surface CountersStone CountersThermostatVaulted Ceiling(s)Walk-in Closet(s)Window TreatmentsRain Gutters

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.

From the listing

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.

The essentials

Built
1980
Price / sqft
$346
On market
11 days
Annual tax
$3,841
HOA
$175/mo
Flood zone
X · Low risk
Lot
2,492 sqft
Type
Villa

At a glance

Villa
Built 1980
Community pool
Shared amenity
2,492 sqft lot
Lot size
939 sqft
Living area

Payment

Est. monthly payment
$2,352/mo
Down payment (20%)
$64,980
Property taxes
$320/mo
HOA
$175/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Villa
Year Built
1980
Lot
2,492 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
11
Ceiling Fans(s)
Solid Surface Counters
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Rain Gutters
Storage
Association Recreation - Owned
Clubhouse
Deed Restrictions
Pool
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Range Hood
Refrigerator
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.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,841
Parcel #
34-28-16-05266-000-0600

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
2,492 sqft
HOA
$175/mo
Management Associates Inc / Steve

Price history

Date
Event
Price
9/30/2026
Listed for sale
Source: Stellar MLS #TB8555360
$324,900
$346/sqft

Neighborhood

345 Plymouth St
Safety Harbor, FL, 34695 · 34695 - Safety Harbor

Market insights

Offer Insights

Choose an offer strength

List price: $324,900
$317,500 – $324,900
97.7% – 100% of listTops out right at the list price
80% of listList price
12 of the last 22 townhouse or villa closings in 34695 landed at this number or higher (55%). The median one sat 49 days before it went under contract, and this one is on day 11.

Sample: 22 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.

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Calculator

Est. monthly payment
$2,352/mo
Principal & interest$1,694
Property taxes$320
Insurance$162
HOA$175
Down payment20% · $64,980
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

$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.

Offer

What should I offer?

Have another question?

Brokered byDALTON WADE INCListing agent: Vivian ResnickListing data from Stellar MLS, MLS# TB8555360.

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