Lovers Oak
Condos for Sale in Safety Harbor, FL
All 99 homes for sale in Safety Harbor, FL · median $564,900 · 16 condos for sale in Safety Harbor · 80 homes for sale in 34695 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $369,000, $308 per square foot, a median 170 days on market, sellers accepting 82% of original asking. Homes listed or recently sold were built 1980–1980. At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $7,150 ($6,340 with the full homestead exemption).
Lovers Oak Condo is a small, single-vintage community: every unit on record was built in 1980, and the current MLS snapshot shows just five homes total. That kind of scale means pricing here gets set unit-by-unit, largely on condition and updates, rather than by a broad comparable set the way larger complexes trade.
With homestead exemptions on file for only about 40% of units, this is a mixed owner-occupied and non-owner-occupied building — investor or seasonal ownership plays a real role in who's transacting. Buyers should expect to underwrite each unit on its own merits: age-related systems, any association assessments, and condition, since there isn't a deep pool of recent comps to lean on.
Nearby homes for sale
No active listings inside Lovers OakCondos 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.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Lovers Oak Condo market snapshot (as of September 12, 2026): the median sale price is about $369K ($308 per sq ft over the trailing 12 months of closed sales), and a median 170 days on market for closed sales.
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.
Lovers Oak Condo is a compact 1980-built condominium community in Safety Harbor, Pinellas County, with a small number of units changing hands and no community amenities identified from current MLS listings.
Who Lovers Oak Condo is best for.
Best for
- A buyer wanting a compact, lower-maintenance condo footprint near Safety Harbor without amenity overhead
- An investor comfortable with a small building where roughly half the units are non-owner-occupied
- A buyer willing to underwrite condition unit-by-unit given the limited number of recent comparables
Probably not for
- A buyer who wants on-site amenities like a pool or fitness room as part of the purchase
- A buyer who wants a large, recently built unit with modern square footage
- A buyer who needs a deep, active comp set to feel confident about pricing before writing an offer
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($369K) IS the median in the snapshot above.
Windows contain 0 to 3 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. Deemed reliable but not guaranteed.
Lovers Oak Condo Market Scorecard
Lovers Oak Condo 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.
Lovers Oak Condo on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
The Lovers Oak Condo buying strategy.
If we were buying in Lovers Oak Condo 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 Lovers Oak Condo.
A small, single-vintage building
Every unit here dates to 1980, which means the building's systems, structure, and finishes are all working from the same baseline age. In a community this size — five homes in the current snapshot — there's no room for a 'newer section' or 'older section' to spread out risk or value; what you're buying is defined largely by how well that individual unit has been maintained or updated since.
The median living space runs around 1,197 square feet, putting this squarely in efficient, lower-maintenance condo territory rather than sprawling floor plans. No community amenities are listed in current MLS data, so any value here is coming from the unit and the Safety Harbor location itself, not from a shared pool, clubhouse, or similar draw.
The location and the amenities are priced into every listing in Lovers Oak Condo. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A five-unit condo community doesn't generate the volume of fresh comps that larger buildings do, so pricing and negotiating well depends on reading each listing's condition and history carefully rather than pattern-matching to a dozen recent sales. We do that legwork — checking association documents, recent unit-level updates, and how the mixed owner-occupied/non-owner-occupied makeup might affect financing or timeline — before you make an offer or set a price.
Lovers Oak Condo in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $850/month (about $10,200/yr) · median of 16 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $850 per month ($10,200 a year) — the median AssociationFee across 16 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 Lovers Oak Condo 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 Lovers Oak Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lovers Oak Condo, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lovers Oak Condo home worth?
Get a no-obligation home value based on real comparable sales in Lovers Oak Condo, 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 →
Frequently Asked Questions
What is the median home price in Lovers Oak Condo?
How long do homes in Lovers Oak Condo take to sell?
Who is the best real estate agent for Lovers Oak Condo?
How do I find a top Safety Harbor real estate agent who knows Lovers Oak Condo?
Can Momentum Realty connect me with an agent for Lovers Oak Condo?
Where is Lovers Oak, and what county is it in?
Should you buy in Lovers Oak Condo?
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 19, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2015 (6 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 Lovers Oak Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Lovers Oak. 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).
Nearby Communities
Explore more neighborhoods near Lovers Oak with Momentum Realty’s local guides.