Harbor Grove
Homes for Sale in Safety Harbor, FL

All 95 homes for sale in Safety Harbor, FL · median $559,900 · 67 homes for sale in 34695 · Pinellas County homes for sale

Community in Safety Harbor · Pinellas County · ZIP 34695
33 homesBuilt 2003–2003
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Photo via Stellar MLS

Built fromLive Stellar MLS data20 years of closingsFL DOR public recordsUpdated twice daily

As of October 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, 189 homes closed in the last 12 months at a median of $533,750, 43 median days on market, with 46 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 key facts
LocationSafety Harbor, Pinellas County, FL · ZIP 34695
Homes in the community33 (FL DOR 2025 assessment roll)
Years built2003–2003 (median 2003)
Typical living area3,255 sq ft (median)
Amenities listed by sellersDeed Restrictions, No Truck/RV/Motorcycle Parking, Special Community Restrictions, Vehicle Restrictions
For sale right now0 active, 0 pending
Owner-occupied (homestead) share91%

Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Grove key facts,” movewithmomentum.com/neighborhoods/harbor-grove, data as of September 20, 2026.

Live · Harbor Grove Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
91%
Owner-occupied · Harbor Grove
30 of 33 parcels homesteaded (FL DOR 2025)
9%
Non-owner-occupied · Harbor Grove
incl. 0% trust or LLC-held · 0% out-of-state
33
Homes in the community
33 residential parcels (FL DOR 2025)
Track record · 20 years of records
4
Recorded sales · 2024-2025
median $790K · qualified sales on the county roll (FL DOR 2025)
Est. 2003
Community established
homes built 2003-2003, median 2003 (FL DOR 2025)
6.1%/yr
Turnover rate
about 2 of 33 homes trade a year
Jon Brooks, founder of Momentum Realty
Jon's Current Read

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 GroveHomes for Sale in Safety Harbor, FL 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.

107 COUNTRY VILLAS DRIVE
$529K · 0.1 mi away
3 bd · 3 ba · 2,006 sqft
107 COUNTRY VILLAS DRIVE
Listed by DALTON WADE INC
531 WALKER ROAD
$865K · 0.2 mi away
4 bd · 2 ba · 2,287 sqft
531 WALKER ROAD
Listed by HOOVER REAL ESTATE SERVICES
525 WALKER ROAD
$575K · 0.2 mi away
3 bd · 2 ba · 2,046 sqft
525 WALKER ROAD
Listed by BLAKE REAL ESTATE INC
4163 MALLARD DRIVE
$560K · 0.2 mi away
4 bd · 2.5 ba · 2,158 sqft
4163 MALLARD DRIVE
Listed by CENTURY 21 EXECUTIVE TEAM
105 LOTUS CIRCLE
$460K · 0.3 mi away
3 bd · 2 ba · 1,443 sqft
105 LOTUS CIRCLE
Listed by REDFIN CORPORATION
2941 BAY VIEW DRIVE
$420K · 0.4 mi away
3 bd · 1 ba · 1,236 sqft
2941 BAY VIEW DRIVE
Listed by KELLER WILLIAMS REALTY- PALM HARBOR

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.

County records show 4 qualified sales in Harbor Grove across 2024–2025 (3 in 2024, 1 in 2025), median $790,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

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.

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 25% are under contract — a steady corner of Safety Harbor.

Across Pinellas County, 6,539 homes are active and 1,627 pending (20% under contract).

In ZIP 34695 (Safety Harbor), 222 homes closed in the last 12 months at a median of $520K ($307/sq ft), down 0.8% year over year, with a median 44 days on market. Right now 48 active and 14 pending listings put supply at about 5.1 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.

Housing distress & ownership in Harbor Grove, Safety Harbor

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 7 listings
Distress share trend — 0.0% now (2026-09-14 → 2026-09-23)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.

If we were buying in Harbor Grove today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

Best Buy
Buyers and sellers willing to evaluate a home on its own merits rather than a neighborhood average.
Biggest Risk
A thin recent sales record makes pricing a matter of judgment, not certainty.
Sweet Spot
A well-prepared home that can stand out where few direct comps exist.
Avoid If
You need deep comp data and a firm market trend before you act.

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.

Jon Brooks · Founder, Momentum Realty

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.

Best forBuyers and sellers willing to evaluate a home on its own merits rather than a neighborhood average.
Biggest advantageSafety Harbor location in Pinellas County with a quiet, low-volume feel.
Biggest riskA thin recent sales record makes pricing a matter of judgment, not certainty.
Sweet spotA well-prepared home that can stand out where few direct comps exist.
Avoid ifYou need deep comp data and a firm market trend before you act.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Harbor Grove homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Harbor Grove.
In short
  • HOA dues reported around $100/month (about $1,200/yr) · median of 42 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 42 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, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

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.

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 →

Real comps, not an automated estimate.

Frequently Asked Questions

How many homes are in Harbor Grove?
The Florida DOR 2025 assessment roll shows 33 homes in Harbor Grove (public records).
What share of Harbor Grove is owner-occupied?
91% of Harbor Grove parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Harbor Grove built?
Homes in Harbor Grove were built between 2003 and 2003, with a median year built of 2003 (FL DOR 2025 roll).
Who is the best real estate agent for Harbor Grove?
The best agent for Harbor Grove is one who actively works Safety Harbor and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Harbor Grove.
How do I find a top Safety Harbor real estate agent who knows Harbor Grove?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Harbor Grove and the wider Safety Harbor area.
Can Momentum Realty connect me with an agent for Harbor Grove?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Harbor Grove purchase or sale - no call center and no pressure.
Where is Harbor Grove, and what county is it in?
Harbor Grove is in Safety Harbor, Pinellas County, FL, ZIP 34695. The community's center is about 2 miles north of the center of Safety Harbor (straight-line).
Buyers who want a specific home in Safety Harbor and will underwrite it individually rather than by neighborhood trendExcellent fit
Sellers prepared to invest in condition and presentation to differentiate their homeExcellent fit
Long-horizon buyers comfortable with limited recent sales dataExcellent fit
Buyers who need a large pool of recent comps to feel confident on priceProbably not
Sellers expecting a fast, high-volume market with predictable pricingProbably not
Anyone looking for a firm, data-backed appreciation trend before committingProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 1, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 34695))
Under-contract sharesStellar MLS records, as of 2026-09-20
Historical depthClosed-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.

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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.

Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).

Thinking of selling in Harbor Grove? 2 recorded closings (window ending 2026-09-20). See the Pinellas County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

Nearby Communities

Explore more neighborhoods near Harbor Grove with Momentum Realty’s local guides.

TGTangelo Grove Village0.1 mi away · median $390K, 5 sales/12 moBEBridgeport Estates0.2 mi away · median $678K, 4 sales/12 moBCBishop Creek Estates0.3 mi awayPOPhilippe Oaks Of0.3 mi away · 20 homes, built 2015–17CVCountry Villas0.3 mi away · median $534K, 6 sales/12 moBBermuda0.4 mi away · 20 homes, built 1991–15CVCountry Villas0.4 mi away · 109 homes, built 1979–85CVCountry Villas0.4 mi away · 152 homes, built 1978–23

Browse all neighborhood guides →

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