Best Flood Zone X Neighborhoods in Safety Harbor, Florida 🌴  (Low-Risk Areas + Real Pricing Breakdown)

Safety Harbor is one of the strongest small-town lifestyle markets in Pinellas County for buyers who want Flood Zone X positioning, Tampa access, downtown charm, mature neighborhoods, and a more relaxed residential feel than Clearwater, Palm Harbor, or St. Petersburg. 

This is not a beach town and it is not a typical suburb. Safety Harbor has its own identity: a walkable downtown, Third Friday events, local restaurants, breweries, Philippe Park, waterfront access, and quick routes to Tampa through the Courtney Campbell Causeway. 

This breakdown focuses on Safety Harbor neighborhoods that buyers commonly target when they want Flood Zone X positioning, established single-family homes, stronger resale demand, convenient shopping, and easy access to Tampa, downtown Safety Harbor, Countryside, Clearwater, and both major airports. 

 

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Quick Answer 🚀 

The best Flood Zone X neighborhoods in Safety Harbor include Country Villas, Harbor Heights Estates, North Bay Hills, Country Trails, Willowick, Rainbow Farms, Harbor Grove, Huntington Trails, Old Harbor Place, and Crestwood Oaks. These neighborhoods appeal to buyers who want lower flood-risk positioning, established homes, mature trees, stronger Tampa access, downtown Safety Harbor convenience, and a quieter small-town lifestyle near Philippe Park. 

 

Table of Contents 

• Safety Harbor Flood Zone X Snapshot  
• Neighborhood Comparison  
• What Buyers Need to Understand  
• Country Villas  
• Harbor Heights Estates  
• North Bay Hills  
• Country Trails  
• Willowick  
• Rainbow Farms  
• Harbor Grove  
• Huntington Trails  
• Old Harbor Place  
• Crestwood Oaks  
• Which Safety Harbor Flood Zone X Neighborhood Fits You Best?  
• Safety Harbor Flood Zone X FAQs 
• Helpful Local Resources 
• Sources 

 

Safety Harbor Flood Zone X Snapshot 📊 

Safety Harbor has one of the best combinations of small-town lifestyle, Tampa commuter access, established neighborhoods, mature landscaping, and Flood Zone X positioning in northern Pinellas County. 

Buyers often choose Safety Harbor because it feels more personal than Clearwater, less spread out than Palm Harbor, less urban than St. Petersburg, and less tourist-driven than the beach towns. 

The 34695 ZIP code is especially important for this article because it captures much of the core Safety Harbor lifestyle buyers are searching for: downtown access, Philippe Park, mature residential neighborhoods, and fast routes toward Tampa. 

Philippe Park is one of the biggest lifestyle drivers. Buyers love the waterfront setting, oak trees, walking areas, picnic shelters, playgrounds, boat access, and the ability to enjoy Tampa Bay waterfront recreation without needing to live directly in a high-risk waterfront flood zone. 

• Flood Zone X positioning is a major buyer filter in Safety Harbor 
• Downtown Safety Harbor gives the city a true small-town identity 
• Philippe Park adds waterfront lifestyle value without requiring waterfront ownership 
• McMullen Booth Road and the Courtney Campbell Causeway improve Tampa access 
• Countryside Mall, Costco, Target, Lowe’s, Publix, restaurants, and medical services are close by 
• Older homes still require careful review of roof, HVAC, plumbing, electrical, windows, elevation, drainage, and insurance profile 

 

Neighborhood Comparison 💰 

  

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What Buyers Need to Understand ⚠️ 

Flood Zone X is a major advantage in Safety Harbor, but it does not make every home equal. Two homes in the same neighborhood can have very different real-world value depending on roof age, HVAC, electrical, plumbing, windows, drainage, elevation, insurance profile, and renovation quality. 

Safety Harbor also has a wide price spread. A buyer looking at Rainbow Farms or Country Villas may be shopping a very different product than someone comparing Willowick, Country Trails, North Bay Hills, or Crestwood Oaks. 

The biggest buyer mistake is treating Safety Harbor as one flat market. Downtown-adjacent homes, commuter-friendly pockets, larger-lot neighborhoods, and executive-style communities all function differently. 

For relocation buyers, Safety Harbor is easier to understand when compared to nearby cities. Clearwater gives buyers more inventory and retail variety. Dunedin gives buyers more golf-cart and downtown tourism energy. Palm Harbor gives buyers more suburban scale and Lake Tarpon options. Safety Harbor stands out for small-town charm, Tampa access, Philippe Park, and lower flood-risk neighborhood options. 

 

Country Villas 🚘 

Price: roughly $400K–$650K+ 

Lot pattern: practical residential lots with manageable yard sizes 

Home pattern: established single-family homes with a mix of original, partially updated, and renovated properties 

Country Villas is one of the strongest Safety Harbor options for buyers who care about Tampa access, daily convenience, and Flood Zone X positioning more than being directly on the water. 

The biggest draw is location. Country Villas sits in a practical commuter pocket with quick access to McMullen Booth Road, Gulf to Bay, and the Courtney Campbell Causeway. For buyers working in Tampa, Westshore, Carillon, Feather Sound, or near Tampa International Airport, this location can make daily life much easier than living farther north in Palm Harbor or Tarpon Springs. 

The neighborhood itself has an established residential feel. Buyers are usually looking at single-family homes with mature landscaping, manageable lot sizes, and a quieter setting than the busier commercial corridors nearby. 

Shopping + convenience: Country Villas has strong access to Countryside Mall, Costco, Target, Publix, Lowe’s, restaurants, medical services, downtown Safety Harbor, and the US-19 / McMullen Booth retail corridors. 

Commuter position: Strong Safety Harbor / McMullen Booth / Courtney Campbell positioning, which helps with Tampa, Westshore, Carillon, and airport access. 

Closest hubs: Downtown Safety Harbor, Countryside, Clearwater, and Tampa International Airport. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 10–15 min • Tampa International Airport 20–30 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: Country Villas is one of the most practical Safety Harbor choices if commute, convenience, and lower flood-risk positioning matter more than luxury prestige.

 

Harbor Heights Estates 🌳 

Price: roughly $450K–$750K+ 

Lot pattern: established lots with mature trees and stronger residential spacing 

Home pattern: older single-family homes with varied updates, additions, pools, and renovation levels 

Harbor Heights Estates delivers more of the classic “old Safety Harbor” feel many buyers are trying to find. This is the kind of neighborhood where mature trees, quiet streets, and established homes matter more than gated entrances or newer subdivision branding. 

Buyers looking here usually want neighborhood character. They may be coming from busier metro areas and looking for a quieter residential setting without giving up access to Tampa, downtown Safety Harbor, or the surrounding shopping corridors. 

Condition matters heavily. Some homes may be well updated, while others may need roof, HVAC, windows, plumbing, electrical, or cosmetic improvements. Buyers should not compare homes here only by square footage. The better question is how much expensive ownership risk has already been solved. 

Shopping + convenience: Harbor Heights Estates is convenient to downtown Safety Harbor, Philippe Park, Countryside shopping, grocery stores, restaurants, medical services, and major north-south routes. 

Commuter position: Strong Safety Harbor positioning with practical access to McMullen Booth Road, the Courtney Campbell Causeway, Clearwater, and Tampa routes. 

Closest hubs: Downtown Safety Harbor, Philippe Park, Countryside, and Clearwater. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 5–10 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: Mature Safety Harbor character, stronger neighborhood feel, and larger-lot appeal without giving up practical access to Tampa Bay job centers. 

 

North Bay Hills 🏡 

Price: roughly $500K–$850K+ 

Lot pattern: established residential lots with mature landscaping and pool-home potential 

Home pattern: single-family homes ranging from clean originals to fully renovated properties 

North Bay Hills is one of the strongest all-around Flood Zone X neighborhoods in Safety Harbor because it checks the boxes buyers care about most: location, neighborhood feel, established homes, mature trees, and long-term resale appeal. 

This neighborhood often fits relocation buyers who want the Safety Harbor lifestyle but also want a more traditional residential setting. It feels settled, practical, and easy to understand. 

Homes in North Bay Hills can vary significantly in condition. Some homes may still have older layouts, while others have been opened up, modernized, and improved with updated kitchens, baths, flooring, impact windows, newer roofs, or pool upgrades. 

Shopping + convenience: North Bay Hills offers strong access to downtown Safety Harbor, Philippe Park, Countryside Mall, Costco, Target, Publix, restaurants, and medical services. 

Commuter position: Strong central Safety Harbor positioning with practical access to McMullen Booth Road, Enterprise Road, and routes toward Tampa, Clearwater, and St. Pete-Clearwater Airport. 

Closest hubs: Downtown Safety Harbor, Philippe Park, Countryside, and Clearwater. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 5–10 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: North Bay Hills is one of the best balanced Safety Harbor neighborhoods for buyers who want Flood Zone X positioning, neighborhood pride, and strong long-term resale demand. 

 

Country Trails 🌲 

Price: roughly $600K–$950K+ 

Lot pattern: larger homesites with mature trees, privacy, and stronger spacing 

Home pattern: larger single-family homes with move-up and executive-style appeal 

Country Trails is one of the stronger Safety Harbor choices for buyers who want more privacy, larger lots, and a wooded residential setting. 

This neighborhood is not about being right in the middle of downtown activity. Its appeal is the opposite. Buyers looking here usually want room, quiet, mature landscaping, pool potential, and a more private everyday environment. 

Country Trails often appeals to buyers who are trying to avoid small-lot subdivisions, heavy traffic, and cookie-cutter neighborhoods. It can feel more tucked away while still remaining close to the shopping, restaurants, airports, and commuter routes that make Safety Harbor practical. 

Shopping + convenience: Country Trails has access to McMullen Booth Road, Countryside shopping, Publix, Target, Costco, restaurants, medical offices, and downtown Safety Harbor. 

Commuter position: Strong for buyers who need Tampa access but want a quieter residential setting than areas directly along busy corridors. 

Closest hubs: Downtown Safety Harbor, Countryside, Clearwater, and Tampa commuter routes. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 10–15 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: Country Trails is a strong fit for buyers who want Flood Zone X positioning, privacy, mature trees, and a more substantial residential feel. 

 

Willowick 🌴 

Price: roughly $650K–$1M+ 

Lot pattern: mature residential lots with strong curb appeal and established landscaping 

Home pattern: larger single-family homes, many with custom-home feel, pools, and significant updates 

Willowick is one of the more upscale-feeling Flood Zone X neighborhoods in Safety Harbor because of its mature canopy trees, larger homes, and stronger move-up appeal. 

Buyers looking here are usually not shopping for the lowest-priced Safety Harbor option. They are looking for a neighborhood that feels established, polished, and private without being disconnected from downtown, Philippe Park, or Tampa commuter routes. 

Many homes in Willowick have seen major improvements over the years. Updated kitchens, bathrooms, flooring, roofs, windows, pool areas, and outdoor living spaces can create significant value differences from one home to the next. 

Shopping + convenience: Willowick has practical access to downtown Safety Harbor, Philippe Park, Countryside Mall, Costco, Target, Publix, restaurants, and major commuter corridors. 

Commuter position: Strong Safety Harbor positioning for buyers who want executive-style living while maintaining reasonable access to Tampa, Clearwater, Carillon, and the airports. 

Closest hubs: Downtown Safety Harbor, Philippe Park, Countryside, and Tampa Bay commuter routes. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 5–10 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: Willowick offers one of the best combinations of mature setting, larger homes, Flood Zone X appeal, and upscale Safety Harbor character. 

 

Rainbow Farms 🌈 

Price: roughly $400K–$650K+ 

Lot pattern: established residential lots with manageable yards and practical spacing 

Home pattern: single-family homes with varied updates and renovation upside 

Rainbow Farms is one of the stronger value-oriented Safety Harbor neighborhoods for buyers who want Flood Zone X positioning and access to the Safety Harbor lifestyle without immediately jumping into the higher price points. 

This neighborhood often makes sense for buyers who care more about location and long-term upside than luxury finishes. A well-maintained home here can be very attractive because buyers get access to Safety Harbor, downtown, Philippe Park, shopping, and Tampa routes at a more approachable price point than some of the larger-lot or executive-style neighborhoods. 

Because many homes are established, buyers should pay close attention to roof age, HVAC, electrical, plumbing, windows, and general insurance profile. 

Shopping + convenience: Rainbow Farms is close to Safety Harbor conveniences, downtown restaurants, grocery stores, Countryside retail, medical services, and Tampa commuter routes. 

Commuter position: Good central Safety Harbor positioning with practical access to McMullen Booth Road and surrounding Pinellas / Tampa corridors. 

Closest hubs: Downtown Safety Harbor, Countryside, Clearwater, and Philippe Park. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 10 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: Rainbow Farms gives buyers a more approachable way into Safety Harbor while still offering Flood Zone X positioning and strong daily convenience.

 

Harbor Grove 🌳 

Price: roughly $500K–$800K+ 

Lot pattern: established lots with mature landscaping and quiet residential streets 

Home pattern: single-family homes with a mix of original, updated, and move-in-ready properties 

Harbor Grove has one of the better overall lifestyle balances on this list. It is quiet enough to feel residential but convenient enough to keep buyers connected to downtown Safety Harbor, Philippe Park, Countryside shopping, and Tampa commuter routes. 

Buyers looking here are usually searching for stability. They want a neighborhood with strong owner appeal, mature landscaping, and a sense that people take care of their homes. 

Harbor Grove can be a good fit for move-up buyers who want a solid Safety Harbor location without necessarily paying for the highest-end neighborhoods. Like many established areas, condition and updates are key. 

Shopping + convenience: Harbor Grove is convenient to downtown Safety Harbor, Philippe Park, Countryside Mall, Costco, Target, Publix, restaurants, and medical services. 

Commuter position: Strong for buyers who want a balanced Safety Harbor location with access to Tampa, Clearwater, and St. Pete-Clearwater Airport. 

Closest hubs: Downtown Safety Harbor, Philippe Park, Countryside, and Clearwater. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 5–10 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: Harbor Grove offers steady residential appeal, strong convenience, and one of the better balanced Flood Zone X settings in Safety Harbor.

 

Huntington Trails 🚴 

Price: roughly $500K–$850K+ 

Lot pattern: established residential lots with family-friendly layouts and mature surroundings 

Home pattern: single-family homes with practical floorplans, pools, and varied renovation levels 

Huntington Trails is one of the stronger family-oriented neighborhoods in Safety Harbor because it combines residential comfort, everyday convenience, and the broader Safety Harbor lifestyle. 

Buyers looking here usually want a neighborhood that feels livable day to day. They want access to schools, parks, shopping, restaurants, downtown events, and commute routes without feeling like they are stuck in a disconnected subdivision. 

Huntington Trails works well for buyers who want established homes and a practical neighborhood layout. Homes should be compared carefully because upgrades, roof age, pool condition, windows, and insurance profile can make a major difference. 

Shopping + convenience: Huntington Trails is convenient to downtown Safety Harbor, Countryside shopping, grocery stores, restaurants, medical services, parks, and Tampa commuter routes. 

Commuter position: Good Safety Harbor positioning for buyers who need access to Tampa, Clearwater, and broader Pinellas County. 

Closest hubs: Downtown Safety Harbor, Countryside, Clearwater, and Philippe Park. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 10 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: Huntington Trails is a strong everyday-living neighborhood for buyers who want Flood Zone X positioning, convenience, and family-friendly residential appeal. 

 

Old Harbor Place ⚓ 

Price: roughly $500K–$850K+ 

Lot pattern: established lots with classic Safety Harbor character and downtown-adjacent appeal 

Home pattern: single-family homes with varied sizes, updates, and charm-driven buyer appeal 

Old Harbor Place captures much of what makes Safety Harbor different from surrounding cities. Buyers looking here often care about lifestyle first: downtown restaurants, breweries, events, waterfront access, and the ability to feel connected to the community. 

This is a strong fit for buyers who want Safety Harbor’s small-town feel without being isolated from the action. The downtown district, Third Friday events, local businesses, and waterfront parks help create a lifestyle that feels very different from more typical suburban neighborhoods. 

Homes can vary significantly, so buyers should focus on condition, layout, updates, and long-term maintenance. A well-positioned, well-updated home near downtown Safety Harbor can attract strong buyer attention. 

Shopping + convenience: Old Harbor Place is convenient to downtown Safety Harbor, Philippe Park, restaurants, coffee shops, waterfront areas, grocery stores, and nearby shopping corridors. 

Commuter position: Good for buyers who want downtown Safety Harbor access while still maintaining reasonable routes to Tampa, Clearwater, and the airports. 

Closest hubs: Downtown Safety Harbor, Safety Harbor Marina area, Philippe Park, and Countryside. 

Drive times: Downtown Safety Harbor 5 min • Philippe Park 5–10 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min

What stands out: Old Harbor Place is one of the stronger fits for buyers who want Flood Zone X positioning with more classic Safety Harbor lifestyle energy.

 

Crestwood Oaks 🌳 

Price: roughly $550K–$900K+ 

Lot pattern: mature lots with stronger privacy, trees, and residential spacing 

Home pattern: established single-family homes with varied updates, larger layouts, and pool potential 

Crestwood Oaks stands out because of its mature trees, quieter streets, larger-lot feel, and stronger sense of privacy. 

Buyers looking here often want more breathing room than they find in tighter subdivisions. The neighborhood feels established, residential, and less commercial, which is exactly what many relocation buyers want when they choose Safety Harbor over busier nearby markets. 

Crestwood Oaks can be especially appealing to buyers who want long-term ownership potential. Homes with updated systems, renovated interiors, strong outdoor living areas, and clean insurance profiles can stand out quickly. 

Shopping + convenience: Crestwood Oaks has practical access to downtown Safety Harbor, Philippe Park, Countryside shopping, Costco, Target, Publix, restaurants, medical services, and commuter routes. 

Commuter position: Strong enough for Tampa access while still feeling quieter and more private than neighborhoods closer to busy roads. 

Closest hubs: Downtown Safety Harbor, Countryside, Philippe Park, Clearwater, and Tampa routes. 

Drive times: Downtown Safety Harbor 5–10 min • Philippe Park 10 min • Tampa International Airport 25–35 min • Clearwater Beach 25–35 min • St. Petersburg 35–45 min 

What stands out: Crestwood Oaks is a strong fit for buyers who want mature trees, privacy, Flood Zone X positioning, and a quieter Safety Harbor setting. 

 

Which Safety Harbor Flood Zone X Neighborhood Fits You Best? 🤔 

• Best Tampa commute: Country Villas 
• Best classic Safety Harbor feel: Harbor Heights Estates and Old Harbor Place 
• Best overall balance: North Bay Hills and Harbor Grove 
• Best larger-lot privacy: Country Trails and Crestwood Oaks 
• Best upscale feel: Willowick 
• Best value positioning: Rainbow Farms 
• Best family-oriented fit: Huntington Trails and North Bay Hills 
• Best downtown lifestyle fit: Old Harbor Place 
• Best relocation-friendly options: North Bay Hills, Country Villas, Harbor Grove, and Willowick 

 

Thinking about selling a home in one of these Safety Harbor neighborhoods? Get Your Home Value & Selling Plan. 

Buying in Safety Harbor and trying to compare flood zones, commute routes, neighborhood feel, insurance costs, and resale value? Book a 30-Minute Planning Call. 

 

Safety Harbor Flood Zone X FAQs ❓

Is Safety Harbor, Florida a good place to live?

Yes, Safety Harbor is one of the strongest small-town lifestyle markets in Pinellas County. Buyers like it because it offers a walkable downtown, Philippe Park, local restaurants, festivals, mature neighborhoods, Tampa commuter access, and many desirable Flood Zone X residential pockets.

 

Is Safety Harbor, FL in a flood zone?

Safety Harbor has a mix of flood zones. Some lower-lying or waterfront areas may carry higher flood exposure, while many established residential neighborhoods sit in Flood Zone X. Buyers should always verify the exact property address, elevation, drainage, and insurance quote before purchasing.

 

Where to live in Safety Harbor?

Some of the strongest places to live in Safety Harbor include North Bay Hills, Willowick, Country Trails, Harbor Grove, Country Villas, Crestwood Oaks, Harbor Heights Estates, Huntington Trails, Rainbow Farms, and Old Harbor Place. The best fit depends on whether you want Tampa access, larger lots, downtown proximity, privacy, or stronger Flood Zone X positioning.

 

Where is zip code 34695?

ZIP code 34695 is primarily associated with Safety Harbor, Florida in Pinellas County. It includes many of the city’s core residential neighborhoods, downtown Safety Harbor, Philippe Park access, and several areas buyers target for Flood Zone X positioning and Tampa commuter convenience.

 

Is Safety Harbor a wealthy area?

Safety Harbor has a wide range of homes, but many parts of the city are considered higher-demand and move-up oriented because of the downtown lifestyle, mature neighborhoods, Tampa access, and limited inventory. Neighborhoods like Willowick, Country Trails, North Bay Hills, and Crestwood Oaks often attract buyers looking for larger homes, privacy, and long-term resale strength.

 

What is Philippe Park known for?

Philippe Park is known for its waterfront setting on Tampa Bay, massive oak trees, walking areas, picnic shelters, playgrounds, boat access, and scenic views. It is one of the biggest lifestyle draws in Safety Harbor and a major reason buyers value nearby residential neighborhoods.

 

Are there picnic areas at Philippe Park?

Yes, Philippe Park has picnic areas, shelters, open green space, waterfront views, playground areas, and walking paths. It is one of the most popular outdoor gathering spots in Safety Harbor for families, residents, and visitors.

 

What towns are 30 minutes from Tampa?

Several Pinellas County communities can be roughly 30 minutes from Tampa depending on traffic and exact starting point, including Safety Harbor, Oldsmar, Clearwater, Largo, parts of Palm Harbor, and parts of St. Petersburg. Safety Harbor is especially attractive because it combines Tampa access with a small-town downtown and established Flood Zone X neighborhoods.

 

Is Safety Harbor, FL a good place to live? 

Yes. Safety Harbor is one of the strongest small-town lifestyle markets in Pinellas County because it offers downtown charm, waterfront parks, Tampa access, established neighborhoods, and a more relaxed residential feel than many surrounding cities. 

 

Is Safety Harbor in a flood zone? 

Safety Harbor has a mix of flood zones. Some areas closer to the water may carry higher flood exposure, while many established residential neighborhoods sit in Flood Zone X. Buyers should always verify the exact property address, not just the neighborhood name. 

 

What is Safety Harbor known for? 

Safety Harbor is known for its walkable downtown, Safety Harbor Resort and Spa, Philippe Park, Third Friday events, waterfront setting, local restaurants, breweries, and small-town community feel. 

 

What ZIP code is Safety Harbor, Florida? 

The primary ZIP code for Safety Harbor is 34695. This ZIP code is important for buyers searching Safety Harbor homes, Flood Zone X neighborhoods, downtown access, and Tampa commuter convenience. 

 

Helpful Local Resources 🔗 

• Browse Safety Harbor Homes for Sale  
• Best Neighborhoods in Safety Harbor  
• Things to Do in Safety Harbor  
• Safety Harbor Dog-Friendly Restaurants & Bars  
• Best Flood Zone X Areas in Pinellas County  
• Flood Zones in Pinellas County 
• FEMA 50% Rule  
• Florida Flood Disclosure HB 1049  
• Cost of Living in Pinellas County 

 

Thinking about selling in Safety Harbor? Get Your Home Value & Selling Plan. 

Buying in Safety Harbor and trying to compare Flood Zone X neighborhoods, insurance costs, commute routes, and long-term resale value? Book a 30-Minute Planning Call. 

Create MLS Alerts for Safety Harbor homes that match your price range, neighborhood, and Flood Zone X preferences. 

 

Disclaimer: This guide is for general educational purposes only and is not legal, tax, insurance, or financial advice. Always verify exact flood zone, insurance costs, elevation, taxes, and property condition with the appropriate professionals and official sources before making decisions.  

 

Todd Howard, Realtor® | Charles Rutenberg Realty

GRI • RENE • PSA • SRS • ABR

Serving Pinellas County since 2018

📞 (727) 304-3398 | 📧 toddhowardpa@gmail.com

Why Choose Todd 

 

Sources 📚 

• City of Safety Harbor 
• Pinellas County 
• Pinellas County Property Appraiser  
• Pinellas County GIS & Flood Maps  
• FEMA Flood Maps  
• Pinellas Realtor Organization  
• Visit Florida