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37 OSPREY STREET, Safety Harbor, FL, 34695

5beds
3baths
3,221sqft
$747,000
$232price/sqft
$5,716/moest. monthly cost
$228,640/yrincome needed

About This Home

Virtually Staged. 37 Osprey St is a 2-story Safety Harbor single-family home built in 1983, laid out across five bedrooms and three bathrooms for everyday use. The kitchen centers on an island with a built-in sink that adds prep space and seating, paired with white cabinetry, dark stone countertops, a tile backsplash, stainless steel appliances, and recessed lighting for clear task visibility. A stone fireplace anchors the main living area beneath exposed wood ceiling beams, adding warmth and ambiance to the wood-look flooring. A bathroom provides double sinks to ease busy mornings, along with a separate soaking tub and a walk-in shower. A screened in-ground pool and fenced backyard extend the living space outdoors, and a 2-car attached garage completes this well-maintained residence with practical amenities throughout.. Included 100-Day Home Warranty with buyer activation

Getting Around

16
WalkingCar-Dependent
21
TransitMinimal Transit
29
BikeSomewhat Bikeable

Schools

8/10
6/10
5/10
Countryside High SchoolGrades PK,9-120.9 mi

Construction

Condition

  • Year built: 1983

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Other
  • Laundry features: In Garage

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Living Room/Dining Room Combo,Primary Bedroom Main Floor,Stone Counters
  • Flooring: Tile
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,221
  • Total interior livable area: 3,221 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 282816604110001480
  • Zoning: RES
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground
  • Exterior features: Other
  • Fencing: Other

Lot

  • Lot size: 9,313 sqft

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Lightning
Tornado
Coastal Flooding
Cold Wave
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 $3,777$45,324
Home Insurance *$632$7,584
Property Taxes $983$11,796
Electricity $324$3,889
Total$5,716$68,592
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$195,977/yr
40% on housing$171,480/yr
45% on housing$152,426/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

$232This listing

vs Other Active Listings

Avg $/sqft

ZIP 34695$438
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)

Price History

DateEventPrice
2026-08-13Price change$725,000
2026-07-23Price change$747,000
2026-06-28Listed for sale$760,000
2026-06-05Sold$760,000
2026-03-03Listing removed$775,000
2026-01-30Price change$775,000
2025-12-02Listed for sale$800,000
2022-02-03Sold$659,900
2021-11-24Pending sale$659,900
2021-11-20Price change$659,900
2021-10-28Price change$699,900
2021-10-15Listed for sale$759,900
2011-10-07Sold$250,000
2011-09-20Price change$250,000
2011-09-01Price change$335,000
2011-08-19Price change$250,000
2011-08-06Price change$285,000
2011-07-29Price change$300,000
2011-07-19Price change$315,900
2011-07-10Price change$335,000
2011-06-18Price change$315,900
2011-06-02Price change$320,900
2011-05-11Price change$335,000
2011-04-20Price change$340,000
2011-03-29Price change$347,900
2011-03-17Listed for sale$350,000
2004-03-08Sold$319,000
2003-09-03Sold$215,000
2003-06-17Sold$213,000
1997-01-08Sold$165,000

For Sale by Agent

AgentKaren Albright
BrokerageOPENDOOR BROKERAGE LLC

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