Harbor Grove
Homes for Sale in Safety Harbor, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 21 closed sales in Harbor Grove in Safety Harbor, FL since 2006, the most recent in June 2026. Across Safety Harbor as a whole, 184 homes closed in the last 12 months at a median of $533,750, 43 median days on market, with 45 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $10,350 ($9,540 with the full homestead exemption).

Harbor Grove sits in Safety Harbor, a small Pinellas County market where price is driven far more by the individual home than by any neighborhood-wide number. With a short closings window to work from, treat any single sale as a data point, not a trend — condition, updates, and lot specifics are doing most of the work on final price here.
For buyers, that means underwriting each listing on its own merits rather than assuming a going rate. For sellers, it means presentation and prep carry real weight; a well-prepared home can separate itself from an as-is one in a way that a broad average would never show. The thin recent sample argues for patience and comps you actually understand.
Nearby homes for sale
No active listings inside Harbor Grove right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Harbor Grove is a Safety Harbor pocket within Pinellas County where the recent sales record is limited, so the story is less about market momentum and more about the merits of each specific home.
Stellar MLS sales records identify 27 homes in Harbor Grove that have changed hands since 2008, built between 2003 and 2003 (median 2003), with a median living area of about 3,130 sq ft and a typical 4-bedroom, 2.5-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Harbor Grove is best for.
Best for
- Buyers who want a specific home in Safety Harbor and will underwrite it individually rather than by neighborhood trend
- Sellers prepared to invest in condition and presentation to differentiate their home
- Long-horizon buyers comfortable with limited recent sales data
Probably not for
- Buyers who need a large pool of recent comps to feel confident on price
- Sellers expecting a fast, high-volume market with predictable pricing
- Anyone looking for a firm, data-backed appreciation trend before committing
The market around Harbor Grove
Harbor Grove is too small for its own price trend, so here is the market around it.
In ZIP 34695, 114 homes are on the market and 23% are under contract — a steady corner of Safety Harbor.
Across Pinellas County, 6,628 homes are active and 1,729 pending (21% under contract).
In ZIP 34695 (Safety Harbor), 224 homes closed in the last 12 months at a median of $520K ($307/sq ft), up 0.5% year over year, with a median 44 days on market. Right now 47 active and 11 pending listings put supply at about 5.2 months — a balanced market. See the live ZIP 34695 housing market and the Pinellas County market.
ZIP and county figures describe the wider market, not Harbor Grove specifically. Momentum Research analysis of MLS records.
The Harbor Grove buying strategy.
If we were buying in Harbor Grove today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Harbor Grove.
Reading a thin sample
The honest constraint here is data depth. With only a short recent closings window to draw on, there isn't enough volume to declare a firm direction on price, and we won't pretend otherwise. What that lets us do instead is focus on the fundamentals that hold up regardless of sample size: the home itself, its condition, and its position within Safety Harbor.
Expect a wide spread between an updated home and one that needs work, because with few comparable sales there's less gravity pulling every listing toward a single number. That puts the burden on careful, home-by-home analysis — the kind of underwriting that matters most precisely when the neighborhood average can't tell you much.
The location and the amenities are priced into every listing in Harbor Grove. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this thin, the value is in judgment, not dashboards. We read each Harbor Grove home against what's actually comparable, tell you plainly where the data runs out, and price or offer accordingly rather than leaning on a number the recent record can't support.
Harbor Grove in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $100/month (about $1,200/yr) · median of 4 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $100 per month ($1,200 a year) — the median AssociationFee across 4 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Harbor Grove buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Harbor Grove sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Grove, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Grove home worth?
Get a no-obligation home value based on real comparable sales in Harbor Grove, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Safety Harbor →
Should you buy in Harbor Grove?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 13, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2006 (21 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Harbor Grove fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Harbor Grove. These are the public schools most often assigned to other communities in ZIP 34695; zones change and vary by address, so confirm with the district before you buy.
- Safety Harbor Elementary · Public · FLDOE grade A (assigned to 2 nearby communities)
- Safety Harbor Middle · Public · FLDOE grade A (assigned to 2 nearby communities)
- Countryside High School · High · FLDOE grade A (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Harbor Grove
Where is Harbor Grove?
Harbor Grove is a community in Safety Harbor, Pinellas County, Florida, ZIP 34695.
Are there homes for sale in Harbor Grove right now?
No active listings inside Harbor Grove at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Harbor Grove have an HOA or CDD?
No HOA is on record for Harbor Grove in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Harbor Grove with Momentum Realty’s local guides.
Harbor Grove Market Scorecard
Harbor Grove is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34695 ZIP is $506,185, about 5.6% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.






