Harbor Key Townhomes
Homes for Sale in Safety Harbor, FL
All 96 homes for sale in Safety Harbor, FL · median $529,500 · 59 homes for sale in 34695 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 4 closed sales in Harbor Key Twnhms in Safety Harbor, FL since 2014, the most recent in August 2023. 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 Key Townhomes sits in Safety Harbor, Pinellas County, and current MLS data on the community is thin — no price trend, no days-on-market pattern, and no listed community amenities to point to. That itself is useful information: it means the townhome segment here trades quietly, without a steady flow of listings to establish a clear pattern.
For a buyer or seller, that thinness cuts both ways. A seller can't lean on recent comparable momentum to set price with confidence, and a buyer won't find a deep pool of active listings to compare against. Any pricing decision here has to be built from the specific unit and its condition, not from a community-wide trend line.
Nearby homes for sale
No active listings inside Harbor Key Twnhms 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 is a townhome community in Safety Harbor, within Pinellas County; current MLS listing activity does not surface a defined set of community amenities, so buyers should confirm what's included directly with the HOA or listing agent rather than assuming a standard package.
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 targeting a specific Harbor Key unit who is willing to verify HOA terms and amenities directly
- A buyer prioritizing the Safety Harbor location over a defined amenity package
- A seller comfortable pricing off individual comparable sales rather than a community trend line
Probably not for
- A buyer who wants a well-documented price history before making an offer
- A buyer expecting a confirmed, published amenity list before touring
- A seller hoping to point to recent local sales momentum to justify a price
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.
Harbor Key Townhomes by the numbers
From county property records and closed MLS sales for the Harbor Key Townhomes subdivision: 5 homes on record; built 2013; typical size about 1,501 heated sq ft; 3 bedrooms is the median. Housing mix: townhome 100%.
| Year | Recorded sales | Median price |
|---|---|---|
| 2014 | 1 | $270,000 |
| 2020 | 1 | $348,000 |
| 2021 | 1 | $469,000 |
| 2023 | 2 | $524,950 |
Newest recorded sale: $599,900 on 2023-08-28.
Recorded data as of 2026-09-12; counts cover addresses tagged to this subdivision in the public record, not every parcel. Not an appraisal.
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.
A quiet corner of the Safety Harbor townhome market
Townhome communities without a steady stream of active MLS listings are common in Pinellas County's smaller pockets, and Harbor Key fits that pattern. The lack of a clear price or days-on-market trend in the current feed doesn't mean the community is inactive — it means there isn't enough recent transaction volume to draw a reliable line, which is a different situation than a slow or soft market.
The same applies to amenities. Nothing in the current MLS listings for Harbor Key identifies specific community features, which could reflect a smaller, low-frills townhome layout or simply that recent listing descriptions didn't spell them out. Either way, it's a detail worth confirming directly rather than assuming.
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 limited public data, the value of an agent shifts from reading charts to doing direct legwork — pulling HOA documents, confirming what's actually included with the unit, and pricing off comparable sales rather than a community-wide average. That's the work we do before a Harbor Key buyer or seller makes a decision.
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
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2014 (4 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 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.
How many homes are in Harbor Key Townhomes?
County property records list 5 homes in Harbor Key Townhomes, built between 2013 and 2013; the typical home is about 1,501 heated square feet.
What do homes in Harbor Key Townhomes sell for?
Harbor Key Townhomes has no MLS sales in the last 12 months. The most recent year with recorded sales on file is 2023 (2 sales, median $524,950). For context, ZIP 34695 has 114 homes on the market with 23% under contract.
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.