Harbor Key Townhomes
Homes for Sale in Safety Harbor, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 2 closed sales in Harbor Key Townhomes in Safety Harbor, FL since 2015, the most recent in July 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).
The current MLS feed for Harbor Key Townhomes shows no community amenities on file and no active pricing data to work from as of mid-2026. That is not unusual for a smaller townhome enclave, but it means the story here is told by the location and the property records, not by a headline number.
For a buyer or seller, that puts more weight on direct verification: pulling the HOA documents, checking recorded sales in Pinellas County, and walking the property rather than leaning on aggregated stats. Until listing activity picks up, treat any pricing assumption about this community as unconfirmed.
Nearby homes for sale
No active listings inside Harbor Key Townhomes 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 Key Townhomes sits in Safety Harbor, a compact waterfront city on Old Tampa Bay in Pinellas County, an area more often defined by its walkable downtown and bayfront park than by large-scale attached-home development.
Stellar MLS sales records identify 16 homes in Harbor Key Townhomes that have changed hands since 2013, built between 2013 and 2013 (median 2013), with a median living area of about 1,554 sq ft and a typical 3-bedroom, 2.5-bath layout; 100% are townhomes. 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 Key Townhomes is best for.
Best for
- A buyer who wants a Safety Harbor location and is comfortable requesting HOA documents directly to confirm what is included
- A buyer working with an agent who will pull county sales records rather than relying on aggregated market stats
- An investor or owner-occupant who values a smaller, lower-profile townhome setting over a large amenitized development
Probably not for
- A buyer who needs a documented pool, clubhouse, or other listed amenity confirmed before touring
- A buyer who wants recent comparable sales data readily available before making an offer
- A seller expecting a fast, data-driven pricing strategy based on recent community activity
The market around Harbor Key Townhomes
Harbor Key Townhomes 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 Key Townhomes specifically. Momentum Research analysis of MLS records.
The Harbor Key Townhomes buying strategy.
If we were buying in Harbor Key Townhomes 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 Key Townhomes.
What the absence of data tells you
No amenities are currently listed against Harbor Key Townhomes in the MLS feed, and there is no active pricing history to draw from. That could mean a genuinely small or self-managed community, a data gap in how the association reports to the feed, or simply low turnover keeping it out of recent listings. Any of those is plausible, and the honest answer is that we do not know yet from the data alone.
What this means practically: a buyer should request the condominium or HOA questionnaire directly rather than assume standard townhome amenities like a pool or common maintenance are included. A seller should not assume automatic comparables exist either, since so little recent activity is showing up in the feed to benchmark against.
The location and the amenities are priced into every listing in Harbor Key Townhomes. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with thin public listing data, the value we add is legwork: pulling recorded Pinellas County sales, requesting HOA and condo docs directly from the association, and confirming what is and is not included before a buyer writes an offer or a seller sets an asking price.
Harbor Key Townhomes in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Key Townhomes 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 Key Townhomes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Key Townhomes, 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 Key Townhomes home worth?
Get a no-obligation home value based on real comparable sales in Harbor Key Townhomes, 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 Key Townhomes?
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 2015 (2 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.
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See how Harbor Key Townhomes fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Harbor Key Townhomes. 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 Key Townhomes
Where is Harbor Key Townhomes?
Harbor Key Townhomes is a community in Safety Harbor, Pinellas County, Florida, ZIP 34695.
Are there homes for sale in Harbor Key Townhomes right now?
No active listings inside Harbor Key Townhomes 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 Key Townhomes have an HOA or CDD?
No HOA is on record for Harbor Key Townhomes 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 Key Townhomes with Momentum Realty’s local guides.
Harbor Key Townhomes Market Scorecard
Harbor Key Townhomes 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.