Safety Harbor
Homes for Sale in Lower Matecumbe, FL
All 24 homes for sale in Lower Matecumbe, FL · median $3,999,999 · 28 homes for sale in 33036 · Monroe County homes for sale
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $4,075,000, a median 108 days on market, sellers accepting 84% of original asking. At the median price and Monroe County's FY2025-26 rate of 8.816 mills, annual property tax runs about $35,930 ($35,580 with the full homestead exemption).
| Location | Lower Matecumbe, Monroe County, FL · ZIP 33036 |
|---|---|
| Homes in the community | 152 (FL DOR 2025 assessment roll) |
| Years built | 1936–2024 (median 1982.0) |
| Typical living area | 1,735 sq ft (median) |
| Sale prices, last 12 months | $4,075,000 median across 4 closed sales |
| Days on market (closed sales) | 108 median |
| Owner-occupied (homestead) share | 36% |
Data as of September 20, 2026. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “SAFETY HARBOR key facts,” movewithmomentum.com/neighborhoods/safety-harbor--monroe, data as of September 20, 2026.
Nearby homes for sale
No active listings inside SAFETY HARBOR 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
Safety Harbor market snapshot (as of September 20, 2026): the median sale price is about $4.08M, and a median 109 days on market for closed sales.
In ZIP 33036 (Lower Matecumbe), 241 homes closed in the last 12 months at a median of $1.24M, up 20.2% year over year, with a median 97 days on market. See the live ZIP 33036 housing market and the Monroe County market.
County records show 4 qualified sales in SAFETY HARBOR across 2024–2025 (1 in 2024, 3 in 2025), median $5.60M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Safety Harbor is a community of 152 homes in Lower Matecumbe, Monroe County, built between 1936 and 2024 (median 1982.0), with a median living area of about 1,735 square feet. 36% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Florida Keys MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($4.08M) IS the median in the snapshot above.
Windows contain 0 to 6 sales each (4 in the current window); every figure carries its sample size, and thin markets swing on single closings. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
17% of homes for sale in ZIP 33036 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-09-20).
Housing distress & ownership in SAFETY HARBOR, Lower Matecumbe
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
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. Listing data provided by Florida Keys MLS, Inc. Information is deemed reliable but is not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.
The Safety Harbor buying strategy.
If we were buying in Safety Harbor 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 Safety Harbor.
A closer look at the Safety Harbor market
Homes in Safety Harbor trade around a median of $4.08M, where condition and lot do more to set the final number than the asking price does.
The housing stock is 152 homes built between 1936 and 2024, and 36% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Safety Harbor. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Safety Harbor buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (4.5). Basis: Long-Term Appreciation +443% since 2012; Owner Commitment 36% owner-occupied; Pricing Power 83.8% sale-to-list. Refreshed with each data update.
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 Safety Harbor 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 Safety Harbor sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Safety Harbor, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Safety Harbor home worth?
Get a no-obligation home value based on real comparable sales in Safety Harbor, 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 Lower Matecumbe →
Frequently Asked Questions
What is the median home price in Safety Harbor?
How long do homes in Safety Harbor take to sell?
How many homes are in Safety Harbor?
What share of Safety Harbor is owner-occupied?
When were the homes in Safety Harbor built?
Have Safety Harbor home prices gone up?
Who is the best real estate agent for Safety Harbor?
How do I find a top Lower Matecumbe real estate agent who knows Safety Harbor?
Can Momentum Realty connect me with an agent for Safety Harbor?
Where is Safety Harbor, and what county is it in?
Data sources & freshness
| Community market stats | Florida Keys MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 33036)) |
| Under-contract shares | Florida Keys MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2009 (49 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 Florida Keys 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 Florida Keys MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
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See how SAFETY HARBOR fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Safety Harbor with Momentum Realty’s local guides.