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108 12TH AVENUE S, Safety Harbor, FL, 34695

2beds
2baths
980sqft
$399,000
$407price/sqft
$3,187/moest. monthly cost
$127,480/yrincome needed

About This Home

2-bedroom, 2 full bath Villa located in the Safety Harbor area. Are you looking for an investment property, with the tenant already living in the home and wanting to stay, if possible. The home has not been updated, it does have a newer roof 2020, and a fenced in back yard area. The villa is located in the middle of the tri-plex, each villa has its own individual owner. The kitchen has an eat in dining area, the living room has vaulted ceilings. The home does need some work! Great location! Top 10 beaches in the US within 10 miles, Philippe Park is a few blocks away (covered picnic pavilions, walking/biking trail, boat ramp)! Walk to distinctive shops, award winning restaurants, festivals, cultural venues, holistic businesses, Farmer's Market & Third Friday's!

Getting Around

56
WalkingSomewhat Walkable
0
TransitNo Nearby Transit
62
BikeBikeable

Schools

10/10
6/10
5/10
Countryside High SchoolGrades PK,9-122.4 mi

Construction

Condition

  • Property condition: Fixer
  • Year built: 1985

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Villa

Interior

Appliances

  • Appliances included: Range,Refrigerator
  • Laundry features: Electric Dryer Hookup,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Eating Space In Kitchen,High Ceilings
  • Flooring: Ceramic Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,004
  • Total interior livable area: 980 sqft

Kitchen

  • Features: No Closet
  • Level: First
  • Area: 80
  • Dimensions: 10x8

Living Room

  • Features: No Closet
  • Level: First
  • Area: 247
  • Dimensions: 13x19

Primary Bedroom

  • Features: Built-in Closet
  • Level: First
  • Area: 176
  • Dimensions: 16x11

Property

Details

  • Parcel number: 042916663480030152
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: None

Lot

  • Lot size: 2,884 sqft
  • Lot size dimensions: 28 x 100

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
Inland Flooding
Tsunami

FEMA Declared Disasters in Pinellas County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,017$24,204
Home Insurance *$337$4,044
Property Taxes $636$7,632
Electricity $197$2,366
Total$3,187$38,244
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,268/yr
40% on housing$95,610/yr
45% on housing$84,986/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.7%
11.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$407This listing

vs Other Active Listings

Avg $/sqft

ZIP 34695$439
Pinellas County$301

vs Homes Sold Last Month

Median $/sqft

ZIP 34695$323
Pinellas County$288

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-01Listed for sale$399,000
1997-09-04Sold$54,300
1994-06-02Sold$53,000

For Sale by Agent

AgentMichele Miklinski
BrokerageCHARLES RUTENBERG REALTY INC

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