197 days on market (MLS)Single Family Residence▼ Price cut: $100,000 (9/10)
$1,199,000
3-Bedroom Home in WATER VIEW HEIGHTS
108 Irwin Street, Safety Harbor, FL 34695
Single Family Residence in WATER VIEW HEIGHTS, SAFETY HARBOR · No CDD on record · Built 2026
WATER VIEW HEIGHTS · Safety Harbor, FL 34695 · Pinellas County
Listing data updated October 17, 2026 at 6:20 AM ET · checked against the MLS hourly
Listed by BUSINESS & REALTY CONSULTING OF FLORIDA (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
3Bathrooms
2,634Sq Ft
2026Year Built
$455Per Sq Ft
3-car garageNew constructionNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
40% above
$/sq ft vs community
$455 here vs $324 median sold (12 mo)
Buyer leverage
Buyer advantage
197 days on market
$2k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 17, 2026, 108 Irwin Street in Water View Heights, Safety Harbor is listed at $1,199,000 (2,634 sq ft, about $455 per sq ft). It has been 197 days on market. Listing facts: new construction, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
2,634 sq ft of living area
3-car garage
Listed at $1,199,000 — recent neighborhood median sale price ~$862,500 (nearby sales; deemed reliable, not an appraisal)
197 days on market
No HOA reported by the listing (confirm)
Listing description
About this home
Under contract-accepting backup offers. 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.
All 6 photos
Description provided by BUSINESS & REALTY CONSULTING OF FLORIDA and reproduced from the MLS; not independently verified.
Listing courtesy of BUSINESS & REALTY CONSULTING OF FLORIDA · Listing agent: Emiliya Cogdill · 813-777-4527Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,199,000
Bed / bath3 / 3
Living area2,634 sq ft
Year built2026
Property typeSingle Family Residence
Garage3-car
MLS #TB8491819
Listing status197 days on market (MLS)
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~25 ft
CountyPinellas
Area listings1 active · 0 under contract
Estimated first-year tax~$12,590/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$455
Estimated monthly payment$8,005
Insurance (illustrative)$2k–$6k/yr
Messtimate range$800,736 – $877,122
Comparable-sales median$862,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$8,005/mo
Principal & interest $6,641/mo83%
Taxes $1,049/mo13%
Insurance $315/mo4%
$8,005/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,500–$5,500/yr; neither is a quote.
Roof and age
Built in 2026. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$12,590/yr
Estimate: a typical Pinellas effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~25 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Pinellas County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Pinellas County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Low
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtVery Low
HailRelatively High
Cold waveVery High
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Water View Heights
Pricing & the Water View Heights market
How this home is priced against recent nearby sales, and where Water View Heights has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2026BuiltPer public record
About Apr 2026Listed (per MLS)MLS reports 197 cumulative days on market as of October 17, 2026
Jul 10, 2026First seen on movewithmomentum.comObserved at $1,449,000
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $1,199,000Momentum Realty · on market 197 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jul 2026
$927,000
1215 HUNTINGTON LANE, SAFETY HARBOR
4 / 3 bd/ba · 2,638 sq ft · $351/sq ft
Courtesy of BEYCOME OF FLORIDA LLC · View details →
Sold Oct 2025
$799,900
3045 KEVLYN COURT, SAFETY HARBOR
4 / 2.5 bd/ba · 2,629 sq ft · $304/sq ft
Courtesy of PARK PROPERTY GROUP · View details →
Sold Nov 2025
$875,000
3250 SAN PEDRO STREET, CLEARWATER
4 / 2.5 bd/ba · 2,624 sq ft · $333/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Nov 2025
$740,000
3240 SAN MATEO STREET, CLEARWATER
4 / 3 bd/ba · 2,645 sq ft · $280/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Oct 2025
$876,000
1005 CHATHAM COURT, SAFETY HARBOR
4 / 3 bd/ba · 2,659 sq ft · $329/sq ft
Courtesy of KELLER WILLIAMS REALTY- PALM H · View details →
Sold Dec 2025
$850,000
910 KINGSCOTE COURT, SAFETY HARBOR
4 / 3 bd/ba · 2,662 sq ft · $319/sq ft
Courtesy of RE/MAX ACTION FIRST OF FLORIDA · View details →
Median of these 6 sales: $862,500 ($324/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$791,100the mess$987,000
Directional estimate — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,978 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.7% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-16.
Actual list price: $1,199,000 ($455/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 25% spread on the same house — here is what a model can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in the model.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
1 active listing competing, 1 under contract
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 17, 2026.
Momentum Research
The Momentum read
🟡 Asking $455 per square foot, about 40% above the community’s $324 median. Water View Heights’s 12-month median sold price per square foot is $324. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
76% of homes in Water View Heights are owner-occupied. An estimated 24% are non-owner-occupied, including 3% held in a company or trust and 6% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 62 homes matched. Community-level context.
What’s unique here: one of only 1 active listings in Water View Heights, no CDD assessment.
Updated October 17, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by BUSINESS & REALTY CONSULTING OF FLORIDA · MLS # TB8491819
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Keep looking
Similar homes for sale near WATER VIEW HEIGHTS
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Development
ClearView apartments complete at $1 billion Echelon City Center in St. Petersburg
The 363-unit ClearView community, with ground-floor retail, is complete within the Echelon City Center development by Third Lake Partners and Echelon. A 3rd & 3rd residential high-rise with ground-floor retail is expected to open in the first quarter of 2027.
Why it matters: New downtown apartments and walkable retail add rental inventory and amenities in central St. Petersburg. The project is about 16 miles south of Water View Heights, elsewhere in Pinellas County.
AECOM Hunt selected as construction manager for proposed $2.3 billion Rays ballpark in Tampa
AECOM Hunt joined the design team led by Populous for the proposed ballpark on a site that includes Hillsborough College property. The stadium would have at least 28,000 fixed seats, with a construction start targeted for September 2026 and completion by late 2028. Tampa's public contribution is up to $80 million and financing is not finalized.
Why it matters: A large ballpark and surrounding mixed-use district would add construction jobs, event traffic and retail demand on the Dale Mabry corridor. The site is about 11 miles east of Water View Heights.
Four firms vie to build Tampa International Airport's $150 million control tower
TPA narrowed the field to four builders for a new blast-resistant air traffic control tower on about 2 acres northwest of the main terminal. The budget is about $150 million, with board selection expected Oct. 1 and substantial completion targeted for March 2029.
Why it matters: Airport capital spending supports construction employment and long-term air service capacity for the region. The site is about 9 miles east of Water View Heights.
St. Pete advances housing plan for nine vacant city lots
The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.
Why it matters: Advances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The project is about 16 miles south of Water View Heights, elsewhere in Pinellas County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Safety Harbor Elementary-PNAssigned elementary school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Safety Harbor Middle-PNAssigned middle school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Countryside High-PNAssigned high school · Pinellas County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 108 Irwin Street, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,634 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $12,590/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 17, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 108 Irwin Street and when was it built?
Per the listing record, 108 Irwin Street was built in 2026 and has 2,634 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 108 Irwin Street in?
108 Irwin Street is in Water View Heights in Safety Harbor, Pinellas County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 108 Irwin Street have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 108 Irwin Street differ from the current owner's?
The estimate on this page (about $12,590 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 108 Irwin Street in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 108 IRWIN STREET in person
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
