2348 MESSENGER CIRCLE, SAFETY HARBOR, FL, 34695
Active57 days on marketListed May 29, 2026MLS #TB8511118
About this home
2348 MESSENGER CIRCLE
Location, location, location! Welcome to beautiful Safety Harbor, one of the most desirable communities in Pinellas County, known for its charming downtown, waterfront parks, and top-rated schools. This fully updated, move-in ready home features extensive upgrades throughout. Zoned for highly sought-after Safety Harbor Elementary and Safety Harbor Middle Fundamental School. All kitchens and all bathrooms have been completely remodeled with modern finishes. Major improvements include a brand-new roof (December 2025) and two new A/C systems installed in February 2026. Interior updates include fresh paint completed in December 2025, creating a clean and modern feel throughout. The backyard features low-maintenance artificial turf, providing a clean outdoor space with no dirt or mud tracking into the home. A standout feature is the custom theater room, offering a true home entertainment experience. All theater room furniture is included with the sale. Additional highlights: • No flood insurance required • Homeowners insurance approximately $3,600/year • Well-maintained and truly move-in ready • Convenient to downtown Safety Harbor, parks, dining, and waterfront amenities A rare opportunity in a prime location
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,553
Sqft
0.17 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$324
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$8,091 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,091/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−24.6%
$/sqft vs CYPRESS KNOLL
$324 vs $248
Days on market
57 vs 55 typical
Where $324/sqft sits among the 9 homes for sale in CYPRESS KNOLL
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Safety Harbor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Safety Harbor. See the full Safety Harbor guide →
SAFETY HARBOR 34695 — neighborhood snapshot
Population
17,882
Median age
50.6
Median income
$96,138
Median home value
$418,200
Avg household
2.42
Households w/ children
1,727
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Safety Harbor market
$508K → $630K
Safety Harbor median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
3 of 9
CYPRESS KNOLL have cut their price
Median sold price, Safety Harbor, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 134% above the SAFETY HARBOR 34695 median. See the full Safety Harbor market guide →
Paper trail
This home's history
Reality check
What actually sold near 2348 MESSENGER CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,095,000
2354 MESSENGER CIR · same community
4 bd · 3.5 ba · 3,578 sqft · $306/sqft · 64 DOM
Sold · Mar ’26$780,000
2356 MESSENGER CIRCLE · same community
4 bd · 2 ba · 2,709 sqft · $288/sqft · 111 DOM
Sold · Feb ’26$385,000
2 ELLIOT PLACE · same community
3 bd · 3 ba · 2,558 sqft · $151/sqft · 9 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2348 MESSENGER CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2348 MESSENGER CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
2348 MESSENGER CIRCLE FAQs
What would the monthly payment be for 2348 MESSENGER CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,091/mo — principal and interest, the actual property-tax bill, the $167/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2348 MESSENGER CIRCLE?+
The association fee works out to $167 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2348 MESSENGER CIRCLE?+
The most recent tax bill on record (2025) was $13,532. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2348 MESSENGER CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Safety Harbor?+
At $1,149,999, this home is listed about 107% above the Safety Harbor median of $554,950. The market section on this page shows how the area is trending.
Which schools are assigned to 2348 MESSENGER CIRCLE?+
Countryside High School (high), Leila Davis Elementary School (elementary), Safety Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,149,999 runs 134% above the SAFETY HARBOR 34695 median — but at 3,553 sqft it's also nearly twice the size of the typical Safety Harbor listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Countryside High School, Leila Davis Elementary School, Safety Harbor Middle School — Leila Davis Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $1,199,999, now $1,149,999 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Michael Andolino. MLS #TB8511118.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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