North Bay Hills Homes for Sale in Safety Harbor, FL

Established single-residential neighborhood · Safety Harbor, Pinellas County · ZIP 34695

An established single-family Safety Harbor neighborhood, late-1970s and early-1980s homes off Philippe Parkway with a light-touch HOA.

Light-touch HOAEstablished Safety HarborNear downtown and waterfront

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

North Bay Hills is owner-occupied established stock with a modest HOA, so condition, the lot, and the flood picture, not an area average, decide the buy.

Free · No obligation

Unlock Off-Market North Bay Hills

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

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Median Price

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Supply

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Avg DOM

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Seller Leverage

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Median $/Sqft

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1-Yr Price Change

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Jon's Current Read

"North Bay Hills is an established Safety Harbor neighborhood, so the read is by home rather than by area: mid-sized single-family homes from the late 1970s and early 1980s, many one-story with pools, where a light-touch homeowners association keeps dues low and condition, the lot, and the flood and insurance picture drive value more than the neighborhood name. Your leverage is buying condition and a good lot right and reading the insurance math, with the central north Pinellas location near downtown Safety Harbor, the waterfront, and McMullen-Booth Road as the draw."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

North Bay Hills is an established single-residential neighborhood in Safety Harbor, Pinellas County, off Philippe Parkway near North Bay Hills Boulevard, built largely in the late 1970s and early 1980s (community and listing sources, 2026).

The homes are mid-sized, commonly three to five bedrooms, many one-story with pools and screened lanais and a smaller number of two-story properties. The neighborhood is served by a light-touch homeowners association with modest annual dues that focuses on community projects and shared landscaping rather than heavy restrictions, and the HOA reports dues set at a nominal annual amount, so confirm current dues and what applies to a specific home. There is no CDD on these established homes.

This is an established value and condition buy, so the money is made or lost on the home's condition, the lot, and the flood and insurance picture, not the headline price.

The pitch is established Safety Harbor living near a walkable downtown, the Tampa Bay waterfront, and easy McMullen-Booth Road access toward Tampa. The work is confirming the current HOA dues, reading condition, checking the flood zone, and pricing against real comps before you offer.

Quick Match

Who North Bay Hills is best for.

Best for

Buyers who want an established single-family Safety Harbor home
Buyers who want a light-touch HOA with modest dues
Buyers comfortable updating late-1970s and early-1980s stock
Buyers who want a central north Pinellas location near downtown Safety Harbor

Probably not for

Buyers who want new construction or a gated, amenity-dense community
Anyone unwilling to verify flood zone and insurance costs
Buyers who want resort amenities included in the dues
Buyers who need a short, traffic-free commute into central Tampa

Market Pulse

How North Bay Hills is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

57Median days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current North Bay Hills listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Beacon Groves or Safety Harbor. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in North Bay Hills buys, holds, and resells. See the five factors.

Interactive Map

North Bay Hills on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

North Bay Hills offers established Safety Harbor living near a walkable downtown, the Tampa Bay waterfront, and McMullen-Booth Road, the value case in central north Pinellas.

Drive times from North Bay Hills. They are approximate and vary with traffic and your exact start point.

Downtown Safety Harbor (Main Street)~5 to 10 min · shops and dining

Safety Harbor waterfront and marina~5 to 10 min · Tampa Bay waterfront

Philippe Park~5 to 10 min · bayfront park

US 19 retail corridor~10 to 15 min · shopping and services

Downtown Clearwater~15 to 20 min · city center

Tampa International Airport (via Courtney Campbell)~25 to 35 min · via causeway

Honeymoon Island State Park~25 to 35 min · Gulf beach

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near North Bay Hills Homes for Sale in Safety Harbor, FL with Momentum Realty’s local guides.

BTBay Towne West Homes for Sale in Safety Harbor, FLSafety Harbor, FL · 0.1 mi RFRainbow Farms Homes for Sale in Safety Harbor, FLSafety Harbor, FL · 0.1 mi PWPhillippe WoodsSafety HarborSafety Harbor, FL · 0.2 mi BVBonita VistaSafety Harbor, FL · 0.3 mi PBPhilippe Bay Homes for Sale in Safety Harbor, FLSafety Harbor, FL · 0.3 mi HHHarbor Heights Estates Homes for Sale in Safety Harbor, FLSafety Harbor, FL · 0.3 mi BHBayTowne Homes for Sale in Safety Harbor, FLSafety Harbor, FL · 0.4 mi BWBay Woods Homes for Sale in Safety Harbor, FLSafety Harbor, FL · 0.4 mi WGWest Green Springs Homes for Sale in Safety Harbor, FLSafety Harbor, FL · 0.5 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

North Bay Hills (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Pinellas County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

North Bay Hills is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Pinellas County Schools (verify by address)

Verifyrating

Public

Safety Harbor area elementary and middle nearby

Verifyrating

By address

Confirm zoned elementary, middle, and high

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any North Bay Hills address.

The takeaway

What is actually shaping value at North Bay Hills: steady demand for established single-family Safety Harbor homes, the central north Pinellas location near a walkable downtown and the waterfront, and the post-2024-storm flood and insurance picture for north Pinellas. Each item is sourced and linked.

Recent Developments in North Bay Hills

Development Intelligence

Our read on what is being built around North Bay Hills, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishEstablished Safety Harbor demand supports steady interest, with the watch items being older-home condition and parcel-level flood and insurance costs after the 2024 storm season.

Established Safety Harbor demand

Ongoing

BullishNotable impact

SignificanceRadius: Area

Established single-family homes in walkable Safety Harbor keep drawing steady buyer interest.

Walkable downtown and waterfront access

Ongoing

BullishNotable impact

SignificanceRadius: Area

Proximity to downtown Safety Harbor, the marina, and Philippe Park underpins everyday demand.

Safety Harbor waterfront recovery

2025

BullishNotable impact

SignificanceRadius: Area

The city began a multi-million-dollar waterfront, pier, and marina rebuild in 2025, restoring a key local amenity over time.

Late-1970s and early-1980s stock

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Older homes mean roof, systems, and updates are the swing factor, read home by home.

Post-2024-storm flood and insurance picture

2024

NeutralNotable impact

SignificanceRadius: Area

The 2024 storm season hit north Pinellas waterfronts, making the FEMA flood check and insurance quote essential per home.

Light-touch HOA carrying cost

Ongoing

BullishMinor impact

SignificanceRadius: Community

Modest annual dues keep carrying cost low relative to amenity-dense communities, a value point.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting North Bay Hills, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

June 2025
Development
Safety Harbor begins waterfront overhaul after 2024 hurricanes
The Tampa Bay Times reported that Safety Harbor began a major waterfront repair effort, including the pier and marina, after the 2024 hurricane season damaged its waterfront park, with construction starting in 2025 and work expected to continue into 2026. Why it matters: Restoring the waterfront, pier, and marina protects a defining Safety Harbor amenity that supports nearby home demand over time. Source
July 2025
Infrastructure
Safety Harbor announces timeline for waterfront repairs
WUSF reported that Safety Harbor announced a timeline for waterfront repairs following hurricane damage, with the pier and marina work budgeted at several million dollars and a multi-phase schedule extending into 2026. Why it matters: A funded, scheduled rebuild reduces uncertainty about the waterfront, a plus for north Pinellas demand near the bay. Source
September 2024
Weather
Hurricane Helene drives storm surge across Tampa Bay region
WUSF reported that Hurricane Helene pushed catastrophic storm surge onto Tampa Bay coastal communities in September 2024, damaging tens of thousands of homes across the region and underscoring parcel-level flood risk in Pinellas. Why it matters: The 2024 storm season makes the FEMA flood zone and insurance quote essential diligence on any north Pinellas home. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The North Bay Hills buying strategy.

If we were buying in North Bay Hills, this is the order of operations we would run, and the one we run for our clients.

Confirm the current HOA dues. North Bay Hills runs a light-touch association with modest annual dues, so verify the current amount and what it covers for the specific home.

Judge the home by condition. Late-1970s and early-1980s stock means roof age, systems, and updates separate a deal from a project.

Verify the flood zone. Run the FEMA flood zone and an insurance quote for the exact address, especially after the 2024 storm season in Pinellas.

Read the lot. A good lot and a higher, drier position hold value in north Pinellas.

Use the Safety Harbor context, and cross-shop other established north Pinellas value such as Beacon Groves.

The Quick Decision

Best Buy

An updated one-story pool home on a good lot matched to comps

Biggest Risk

Underbudgeting roof and systems, or missing parcel-level flood exposure

Best Lot

A higher, drier interior lot

Smart Timing

Confirm the HOA dues and flood zone before you offer

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

North Bay Hills is an established Safety Harbor neighborhood rather than an amenity community, so the appeal is established single-family value in a central north Pinellas location with a light-touch HOA. The association maintains shared landscaping and runs community projects rather than private amenities, and there is no CDD, so confirm the current dues for a specific home. The neighborhood sits off Philippe Parkway near North Bay Hills Boulevard, a short drive from downtown Safety Harbor, the Tampa Bay waterfront and marina, and Philippe Park, with McMullen-Booth Road providing access toward Tampa. Confirm the specific home's condition, dues, and flood zone before you buy.

North Bay Hills Homes For Sale

What your money buys in North Bay Hills.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in North Bay Hills today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry Home

Original late-1970s and early-1980s homes that need updating, the affordable way into Safety Harbor.

Lowest entry

The Updated Core

Renovated one-story homes, often with pools, on good lots, the heart of the resale market here.

Most inventory

The Top

The most updated pool homes on the best lots, the ones that hold value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry Home

Original late-1970s and early-1980s homes that need updating, the affordable way into Safety Harbor.

The Updated Core

Renovated one-story homes, often with pools, on good lots, the heart of the resale market here.

The Top

The most updated pool homes on the best lots, the ones that hold value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in North Bay Hills, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in North Bay Hills is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well North Bay Hills holds value.

Our read on the factors that protect resale here, and the one to manage.

Roof and systems on older homesBudget roof and HVAC reserve on late-1970s stock

Kitchen and bath updatesOriginal homes often need a kitchen and bath refresh

Pool and lanai conditionMany homes have pools and screened lanais to inspect

Lot and drainageGood, higher, drier lots hold value well

Flood and insurance readVerify FEMA flood zone and insurance per parcel

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in North Bay Hills

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

The light-touch HOA and the Safety Harbor location are the draw; the homes vary. The deal is won or lost on the condition, the lot, and the insurance math.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.3B · Buy Score

Resale Strength7.2/10

Renovation Risk5.0/10

Location Efficiency7.8/10

Long-Term Defensibility7.1/10

Carrying Cost Advantage8.0/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on North Bay Hills is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

Good, higher, drier lots hold value best
Verify the FEMA flood zone for the exact address
Condition and roof age drive the price
The HOA is light-touch with modest dues
Read the lot and condition before the finishes

In an established value neighborhood, the home's condition and the lot are the part of your money the market protects. Updated one-story homes on good lots hold value well, and the Safety Harbor location near downtown and the waterfront is the structural draw. The house can be updated; the location is the durable value. Read the condition and the lot first, then price the renovation against comparable sales.

The 15-Second Verdict

North Bay Hills in 15 seconds.

Best forBuyers who want an established single-family Safety Harbor home with a light-touch HOA.

Biggest advantageA walkable Safety Harbor location near downtown, the waterfront, and McMullen-Booth Road.

Biggest riskLate-1970s condition and flood exposure, the swing factors on price.

Sweet spotAn updated one-story pool home on a good lot, matched to comps.

Avoid ifYou want new construction, a gate, or included resort amenities.

HOA, Fees & the Read

15-Second Take

Light-touch HOA with modest annual dues
Focus is community projects, not heavy restrictions
No CDD on these established homes
Flood zone and insurance are real cost drivers
Confirm the current dues for the specific home

North Bay Hills runs a light-touch homeowners association with modest annual dues that focuses on community projects and shared landscaping rather than heavy restrictions. The HOA reports a nominal annual due amount, and some listings advertise minimal or no mandatory fee depending on the section, so confirm the current dues and whether membership is mandatory for the specific home. There is no CDD.

Where dues apply, they typically support entrance and median landscaping and community projects rather than private amenities. Budget for maintenance and insurance on the home, and quote insurance for the specific home and flood zone.

Run Your Numbers

Tools for a North Bay Hills buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPinellas County millage and the homestead picture.Rent vs buyThe breakeven on owning in North Bay Hills.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in North Bay Hills

Price it to the condition and the lot, not an area average.

Selling in North Bay Hills means pricing your specific condition and lot against the freshest comparable sales, not an area average that mixes original and renovated homes. The updates and the pool are part of the value.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In North Bay Hills, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Beacon Groves, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your North Bay Hills home worth?

Get a no-obligation home value based on real comparable sales in North Bay Hills matched to your condition, lot, and view, 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 homes for sale in North Bay Hills on the map →
Or get your North Bay Hills home value & selling guide →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,026/mo

Pinellas County typical true cost to own

$159/mo

Pinellas County typical home insurance

No CDD

No community development district bond

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

North Bay Hills Market Scorecard

Thin data

North Bay Hills is currently a thin data. Limited supply, a median asking price of n/a.

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Months supply

n/a

Median list

n/a

Median sold

n/a

Per sqft

n/a

Days on mkt

0/0/0

Active/Pend/Sold

Go deeper: true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is North Bay Hills?

North Bay Hills is an established single-residential neighborhood in Safety Harbor, Pinellas County, off Philippe Parkway near North Bay Hills Boulevard, ZIP 34695.

Is North Bay Hills in Palm Harbor or Safety Harbor?

North Bay Hills is in Safety Harbor, in north Pinellas County. It is sometimes searched alongside Palm Harbor neighborhoods, but the community itself sits within Safety Harbor.

Does North Bay Hills have an HOA?

Yes, a light-touch homeowners association with modest annual dues that focuses on community projects rather than heavy restrictions. Some sections advertise minimal or no mandatory fee, so confirm what applies to a specific home.

When were the homes built?

North Bay Hills homes were built largely in the late 1970s and early 1980s, so condition and updates vary from home to home.

What kind of homes are in North Bay Hills?

Mid-sized single-family homes, commonly three to five bedrooms, many one-story with pools and screened lanais, plus a smaller number of two-story properties.

What does the HOA do?

The association maintains entrance and median landscaping and runs community projects, and it has worked on items such as a pollinator pathway and median irrigation in coordination with the City of Safety Harbor. Confirm current dues and scope for any home.

Is North Bay Hills a good value?

An established single-family Safety Harbor neighborhood with a light-touch HOA is the value case. Because the stock is older, condition and flood drive the real cost.

Should I worry about flood zones here?

Verify it. Parts of north Pinellas carry flood exposure, and the 2024 storm season hit the Safety Harbor waterfront, so always run the FEMA flood zone and an insurance quote for the exact address.

Is there a CDD?

No. North Bay Hills homes have no CDD.

What schools serve North Bay Hills?

North Bay Hills is part of Pinellas County Schools, with Safety Harbor area schools nearby. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any home.

What is there to do nearby?

Downtown Safety Harbor with its Main Street shops and dining, the Tampa Bay waterfront and marina, and Philippe Park are close, with McMullen-Booth Road providing access toward Tampa.

What should I check before buying in North Bay Hills?

The current HOA dues and whether they are mandatory, the home's condition and roof age, the FEMA flood zone and insurance quote, and the lot.

How is the commute to Tampa?

McMullen-Booth Road and the Courtney Campbell Causeway provide access toward Tampa and the airport, with drive times that vary by traffic and your exact start point.

Who is the best real estate agent for North Bay Hills?

The best agent for North Bay Hills is one who actively works Safety Harbor and knows the community's pricing, HOA and CDD details, 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 North Bay Hills.

How do I find a top Safety Harbor real estate agent who knows North Bay Hills?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows North Bay Hills and the wider Safety Harbor area.

Can Momentum Realty connect me with an agent for North Bay Hills?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your North Bay Hills purchase or sale - no call center and no pressure.

The Verdict

Should you buy in North Bay Hills?

An honest fit check. We will tell you when it is not your community.

Buyers who want an established single-family Safety Harbor homeExcellent fit

Buyers who want a light-touch HOA with modest duesExcellent fit

Buyers comfortable updating late-1970s and early-1980s stockExcellent fit

Buyers who want a central north Pinellas location near downtown Safety HarborExcellent fit

Buyers who will verify dues, flood zone, and insuranceExcellent fit

Buyers who want new construction or a gated communityProbably not

Anyone unwilling to verify flood zone and insurance costsProbably not

Buyers who want resort amenities included in the duesProbably not

Buyers who need a short, traffic-free central-Tampa commuteProbably not

Buyers unwilling to read condition on older homesProbably not

Get the inside read on North Bay Hills

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your North Bay Hills home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty North Bay Hills specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in North Bay Hills — what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing; deemed reliable but not guaranteed by MLS GRID.

North Bay Hills Homes for Sale in Safety Harbor, FL

The 60-Second Overview

Who North Bay Hills is best for.

Best for

Probably not for

How North Bay Hills is performing right now

North Bay Hills on the map.

How far is everything?

Nearby Communities

Schools

Pinellas County Schools (verify by address)

Safety Harbor area elementary and middle nearby

Confirm zoned elementary, middle, and high

Recent Developments in North Bay Hills

Established Safety Harbor demand

Walkable downtown and waterfront access

Safety Harbor waterfront recovery

Late-1970s and early-1980s stock

Post-2024-storm flood and insurance picture

Light-touch HOA carrying cost

Safety Harbor begins waterfront overhaul after 2024 hurricanes

Safety Harbor announces timeline for waterfront repairs

Hurricane Helene drives storm surge across Tampa Bay region

The North Bay Hills buying strategy.

The full read, only if you want it.

What your money buys in North Bay Hills.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well North Bay Hills holds value.

5 Mistakes Buyers Make in North Bay Hills

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on North Bay Hills is different.

Which Lots & Views Hold Value Best

North Bay Hills in 15 seconds.

HOA, Fees & the Read

Tools for a North Bay Hills buy.

Price it to the condition and the lot, not an area average.

In North Bay Hills, condition and view decide your number

What is your North Bay Hills home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

North Bay Hills Market Scorecard

Frequently Asked Questions

Should you buy in North Bay Hills?

Get the inside read on North Bay Hills

You are all set.

Need to sell fast in Pinellas County?

You just read the data. Now see what your home is worth.