New Construction Home for Sale in Safety Harbor, FL

New Construction Home for Sale in Safety Harbor, FL — $1,349,000

108 Irwin St E, Safety Harbor, FL 34695

3 Bedrooms | 3 Full Bathrooms | 2,634 Sq. Ft. | Oversized 3-Car Garage | ¼-Acre Homesite | No HOA | Flood Zone X

Brand-NEW Modern Coastal home in Safety Harbor offering 3 spacious bedrooms plus a 17’ x 10’ Flex Room/Office/Bedroom, 3 full bathrooms, an oversized 3-car garage, and 2,634 sq ft of thoughtfully designed single-story living space on a rare quarter-acre homesite located within walking distance of Philippe Park.

Prime Safety Harbor Location

Located approximately 1 mile from Downtown Safety Harbor, this home provides convenient access to Main Street, Philippe Park, the Safety Harbor Marina, waterfront parks, restaurants, breweries, boutique shopping, and the renowned Safety Harbor Resort & Spa.

The property sits on a rare quarter-acre homesite with no HOA.

According to the property survey, the finished floor elevation is 30.68 feet. The property is located in FEMA Flood Zone X, with no assigned FEMA Base Flood Elevation (BFE). Buyers should independently verify current flood-zone designations and insurance requirements.

3 Bedrooms, 3 Bathrooms & 2,634 Sq. Ft.

The thoughtfully designed 2,634-square-foot floor plan offers four bedrooms, three full bathrooms, an oversized three-car garage, and expansive indoor and outdoor living spaces.

Inside, you’ll find:

  • 10-foot ceilings
  • Open-concept living areas
  • 17’ x 10’ FLEX ROOM/OFFICE/BEDROOM
  • Abundant natural light
  • Oversized porcelain tile flooring
  • Designer lighting
  • Impact-rated hurricane windows
  • Fiberglass exterior doors
  • Split-bedroom floor plan
  • Flexible fourth bedroom for an office, fitness room, media room, or guest suite

The combination of an open layout and split-bedroom design creates large gathering spaces while maintaining privacy for family members and guests.

Gourmet Kitchen with Cambria Quartz

At the center of the home is a gourmet kitchen designed for both everyday living and entertaining.

The kitchen features handcrafted solid wood cabinetry, a large Cambria quartz island, full-height Cambria quartz backsplash, premium stainless steel appliances, and generous storage.

A spacious walk-in pantry and oversized laundry room provide additional functionality rarely found in comparable homes.

Private Primary Suite

The primary bedroom suite creates a private retreat separated from the home’s secondary bedrooms.

Features include:

  • Two oversized custom walk-in closets
  • Dual vanities
  • Designer walk-in shower
  • Premium finishes
  • Generous storage

The split-bedroom configuration provides additional privacy while allowing the fourth bedroom to adapt to the owner’s lifestyle.

49-Foot Covered Lanai & Room for a Pool

Florida living extends outdoors with an impressive 49-foot covered lanai overlooking a professionally landscaped backyard.

The outdoor space includes irrigation, privacy fencing, and room for a future custom swimming pool.

Pool concept renderings are available upon request.

Built for Florida by Cogdill Builders

This isn’t simply a home with premium finishes. The construction behind the walls is equally important.

Cogdill Builders of Florida incorporated construction methods and materials designed for durability, energy efficiency, and Florida’s climate.

Construction Highlights

  • Reinforced concrete block construction
  • Integrated EPS insulation
  • Reinforced concrete lintels
  • Reinforced stem-wall foundation
  • Impact-rated hurricane windows
  • Fiberglass exterior doors designed for applicable Florida wind-load requirements
  • Timberline HDZ architectural shingles
  • Peel-and-stick waterproof roof membrane
  • R-38 attic insulation
  • Modern energy-efficient construction

These features provide a substantial advantage for buyers comparing this new home with older Safety Harbor properties that may require roofing, window, insulation, electrical, mechanical, or structural updates.

Oversized 3-Car Garage

The oversized three-car garage includes 18′ × 8′ and 10′ × 8′ garage doors, providing flexibility for multiple vehicles, large SUVs, golf carts, recreational equipment, or workshop and storage space.

It’s another feature that distinguishes this home from many properties available in established Safety Harbor neighborhoods.

Why Buy New Construction in Safety Harbor?

Buying a brand-new home means starting with new roofing, windows, appliances, finishes, mechanical systems, insulation, and other major components rather than inheriting decades of previous use.

Modern construction can also provide greater energy efficiency and compliance with newer Florida building requirements than many older homes, although insurance premiums and energy costs will vary based on the property, carrier, coverage, usage, and other factors.

Most importantly, everything is new from day one.

Live in Safety Harbor and Tampa Bay

Safety Harbor offers the character of a smaller waterfront community while remaining conveniently connected to the Tampa Bay region.

Residents enjoy access to Downtown Safety Harbor and its farmers markets, festivals, concerts, restaurants, breweries, boutiques, waterfront parks, and community events.

The location also provides convenient access to destinations throughout Tampa Bay, including:

  • Clearwater and Clearwater Beach
  • Honeymoon Island
  • Tampa International Airport
  • Downtown Tampa
  • St. Petersburg
  • Dunedin
  • Major employment and entertainment destinations throughout Tampa Bay

Offered at $1,349,000

3 Bedrooms | 3 Bathrooms | 2,634 Sq. Ft. | 3-Car Garage | ¼-Acre Homesite | No HOA | Flood Zone X

This is a rare opportunity to own a brand-new custom home for sale in Safety Harbor, Florida, combining a highly desirable Tampa Bay location with premium finishes, impact-rated windows, modern energy-efficient construction, substantial outdoor living space, and the craftsmanship of Cogdill Builders of Florida.

Luxury. Quality. Location. Brand-new construction.

Interested in seeing this Safety Harbor new construction home in person?

Schedule your private showing today or contact Cogdill Builders of Florida for additional property information, floor plans, specifications, and available pool renderings.

Frequently Asked Questions About 108 Irwin St E in Safety Harbor

Is 108 Irwin St E a new construction home?

Yes. 108 Irwin St E, Safety Harbor, FL 34695 is a brand-new custom home built by Cogdill Builders of Florida. The Modern Coastal residence features 4 bedrooms, 3 full bathrooms, 2,634 square feet of living space, and an oversized 3-car garage.

How much is the home at 108 Irwin St E?

The home is currently offered for $1,349,000. It includes 4 bedrooms, 3 full bathrooms, 2,634 square feet of living space, an oversized 3-car garage, and a quarter-acre homesite.

Does 108 Irwin St E have an HOA?

No. The property has no HOA, giving homeowners greater flexibility without recurring homeowners association dues or HOA restrictions.

Is 108 Irwin St E located in a flood zone?

The property is located in FEMA Flood Zone X. According to the property survey, the finished floor elevation is 30.68 feet, and the property has no assigned FEMA Base Flood Elevation (BFE). Buyers should independently verify current flood-zone information and insurance requirements.

How close is the home to Downtown Safety Harbor?

The property is located approximately 1 mile from Downtown Safety Harbor, providing convenient access to Main Street, the Safety Harbor Marina, waterfront parks, restaurants, breweries, boutique shopping, community events, and the Safety Harbor Resort & Spa.

Does the home have hurricane-impact windows?

Yes. The home features impact-rated hurricane windows along with fiberglass exterior doors designed for applicable Florida wind-load requirements. Additional construction features include reinforced concrete block construction, reinforced concrete lintels, a reinforced stem-wall foundation, and a peel-and-stick waterproof roof membrane.

Is there room to add a swimming pool?

Yes. The professionally landscaped backyard has room for a custom swimming pool and includes a 49-foot covered lanai for outdoor living and entertaining. Pool concept renderings are available upon request.

What energy-efficient features are included in the home?

The home includes integrated EPS insulation, R-38 attic insulation, impact-rated windows, and modern new-construction materials and systems designed for Florida's climate.

How can I schedule a private showing of 108 Irwin St E?

Private showings can be requested directly through the contact form on this page. Submit your contact information and preferred showing time to inquire about touring this brand-new Safety Harbor home.

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