$439,900
$10K PRICE DROP

Estimated payment $3,714/month

Total Views 3,162
2 Beds
2 Baths
1,197 Sq Ft
$368 Price per Sq Ft

Highlights

  • 144 Feet of Bay Harbor Waterfront
  • Assigned Boat Slip
  • Granite Countertops
  • Dock has access to electricity and water
  • Great Room
  • 5-minute walk to Baranoff Park

About This Home

Experience the perfect combination of modern upgrades, natural beauty, and an ideal location at Lovers Oak Condominium. Live the carefree lifestyle blocks from shopping, dining and community celebrations. Easy for seasonal or full time residents! This impeccably maintained top-floor condo features updated kitchen and baths with contemporary finishes, and a cozy sunroom with breathtaking water views of Tampa Bay, creating the perfect space to relax and unwind. The community grounds boast approximately 144 feet of waterfront along Tampa Bay, with newly renovated dockage and a soon-to-be restored kayak rack to enhance coastal adventures. Each unit has its own deeded slip; this unit has one of the best in the deepest water. Enjoy the sunrise or mingle with neighbors at sunset on the dock as you admire the twinkling lights of Tampa across the bay. Adding to its charm, the iconic 200-year-old Lovers Oak tree stands just outside your front door. Hop on the golf cart for a 3-block ride to downtown Safety Harbor, which beckons with boutique shops, art galleries, fine and casual dining, spas, a library, and lively events like 3rd Friday celebrations. Outdoor enthusiasts will appreciate the Ream Wilson Trail across the street, which will soon connect to 75 miles of scenic trails throughout Pinellas County. Located within 20 minutes of both Tampa International Airport and St. Pete–Clearwater International Airport, this condo is perfect for those who value convenience, ease, and a vibrant lifestyle. This unit remained high and dry and sustained no damage. HVAC 2015, Kitchen Appliances 2024, Washer/Dryer 2025, Water Heater 2016. Move right in and fall in love at Lovers Oak Condominium!

Listing Agent

Patty Dykstra

COLDWELL BANKER REALTY Brokerage Phone: 727-781-3700 License #3319120 Listed on: 07/10/2025

COLDWELL BANKER REALTY

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $5,608

Year Built

  • Built in 1980

Lot Details

  • 144 Feet of Bay Harbor Waterfront
  • South Facing Home
  • Irrigation Equipment

HOA Fees

  • $850 Monthly HOA Fees

Property Views

  • Full Bay or Harbor
  • Woods

Home Design

  • Slab Foundation
  • Shingle Roof
  • Block Exterior

Interior Spaces

  • 1,197 Sq Ft Home
  • 2-Story Property
  • Great Room
  • Combination Dining and Living Room
  • Inside Utility
  • Ceramic Tile Flooring

Kitchen

  • Eat-In Kitchen
  • Dinette
  • Range
  • Microwave
  • Dishwasher
  • Granite Countertops

Bedrooms and Bathrooms

  • 2 Bedrooms
  • En-Suite Bathroom
  • Walk-In Closet
  • 2 Full Bathrooms
  • Shower Only

Laundry

  • Laundry Room
  • Dryer
  • Washer

Parking

  • 1 Carport Space
  • Electric Vehicle Home Charger
  • Common or Shared Parking
  • 1 Assigned Parking Space

Outdoor Features

  • Access to Bay or Harbor
  • Assigned Boat Slip
  • Dock has access to electricity and water
  • Dock made with wood
  • Deeded Boat Dock
  • Courtyard
  • Exterior Lighting
  • Outdoor Grill

Location

  • Flood Zone Lot

Schools

  • Safety Harbor Elementary School
  • Safety Harbor Middle School
  • Countryside High School

Utilities

  • Central Heating and Cooling System
  • Thermostat
  • Electric Water Heater
  • High Speed Internet
  • Cable TV Available

Listing and Financial Details

Community Details

Overview

  • Association fees include cable TV, common area taxes, insurance, internet, maintenance structure, ground maintenance, maintenance, management, pest control, sewer, trash, water
  • Monarch Association Management/Cindy Association, Phone Number (727) 204-4766
  • Visit Association Website
  • Lovers Oak Condo Subdivision
  • The community has rules related to deed restrictions, allowable golf cart usage in the community

Amenities

  • Community Mailbox

Pet Policy

  • 2 Pets Allowed
  • Dogs and Cats Allowed
  • Small pets allowed

Property Details

Home Type

Condominium

Est. Annual Taxes

$5,608

Year Built

Built in 1980

Lot Details

0

HOA Fees

$850 per month

Listing Details

  • HOA Fee Includes: Cable TV, Common Area Taxes, Insurance, Internet, Maintenance Structure, Maintenance Grounds, Maintenance, Management, Pest Control, Sewer, Trash, Water
  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Condominium
  • Construction Materials: Block
  • Fireplace: No
  • Living Area: 1197
  • New Construction: No
  • Year Built: 1980
  • Building Area Total: 1197
  • Directions to Property: From Tampa take SR 60 (Gulf to Bay) west, turn right on S Bayshore Dr. Travel 5 miles north. Lovers Oak is on the corner of 5th and S. Bayshore Blvd
  • Status: Active
  • Street Direction: S
  • Ownership: Condominium
  • Available for Lease YN: 1
  • Escrow City: Clearwater
  • Escrow Postal Code: 34655
  • Escrow State: FL
  • Escrow Street Name: Gulf To Bay Blvd
  • Escrow Street Number: 1772
  • Floor Number: 2
  • List Office Head Office Key Nume: 1038384
  • Minimum Lease: 4 Months
  • Number Of Pets: 2
  • RATIO Current Price By Calculate: 367.50
  • Unit Number YN: 0
  • Water Access YN: 1
  • Condo Fees Term: Monthly
  • MFR_NumAssignedParkingSpaces: 1
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Slip Deeded On-Site,Dock - Wood,Dock w/Electric,Dock w/Water Supply
  • MFR_DockYN: 1
  • MFR_CommunityAssociationWaterFeatures: Bay/Harbor Front,Boat Slip,Dock,Fishing,Water Access,Waterfront
  • Attribution Contact: 727-781-3700
  • Tax Year: 2024
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Ceramic Tile
  • Full Bathrooms: 2
  • Interior Amenities: Eat-in Kitchen, Living Room/Dining Room Combo, Stone Counters, Thermostat, Walk-In Closet(s)
  • Appliances Included: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 2
  • Levels: One
  • Other Equipment: Irrigation Equipment
  • Spa Yn: No
  • Stories: 2
  • Street Number Modifier: 413
  • Additional Rooms: Great Room,Inside Utility
  • Living Area Meters: 111.20
  • Room Count: 7

Exterior Features

  • Direction Faces: South
  • Exterior Features: Courtyard, Lighting, Outdoor Grill, Sidewalk
  • Roof: Shingle
  • Pool Private: No
  • View: Trees/Woods, Water
  • Water Body Name: TAMPA BAY
  • Waterfront: Yes
  • Road Surface Type: Paved
  • Water Access: Bay/Harbor
  • Water Extras: Assigned Boat Slip
  • Water Extras YN: 1
  • Water View: Bay/Harbor - Partial
  • Water View YN: 1
  • Waterfront Feet Total: 144
  • Water Frontage Feet Bay Harbor: 144

Garage/Parking

  • Attached Garage: No
  • Carport Spaces: 1
  • Carport Y N: Yes
  • Garage Yn: No
  • Parking Features: Assigned, Common, Electric Vehicle Charging Station(s)

Utilities

  • Utilities: BB/HS Internet Available, Cable Available, Electricity Connected, Sewer Connected, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric
  • Laundry Features: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Buyer Approval Required, Community Mailbox, Deed Restrictions, Golf Carts OK, Sidewalks
  • Association Fee Frequency: Monthly
  • Association Name: Monarch Association Management/Cindy
  • Phone: 727-204-4766
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 1
  • Pet Restrictions: written consent of the Association required. Only one (1) pet dog under 30# at maturity is permitted to reside in a unit. In addition, no more than (2) indoor cats are permitted to reside in a unit. Confirm with management
  • Association Fee Requirement: Required
  • Building Name Number: B
  • Condo Fees: 850
  • Condo Land Included YN: 0
  • Montly Maint Amt Addition To HOA: 0
  • Association Email: cindy@monarcham.com
  • Monthly Condo Fee Amount: 850
  • Pet Size: Small (16-35 Lbs.)
  • Association URL: managedbymonarch.com

Fee Information

  • Total Annual Fees: 10200.00
  • Total Monthly Fees: 850.00

Schools

  • Elementary School: Safety Harbor Elementary-PN
  • High School: Countryside High-PN
  • Middle Or Junior School: Safety Harbor Middle-PN

Lot Info

  • Parcel Number: 03-29-16-52980-002-0050
  • Additional Parcels: No
  • Lot Features: FloodZone
  • Flood Zone Code: VE
  • Homestead YN: 0
  • Lot Size Square Meters: 0

Green Features

  • Green Verification Count: 0

Rental Info

  • Pets Allowed: Cats OK, Dogs OK
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Confirm with Management, Lease application required. Maximum of 3 rentals/year

Tax Info

  • Tax Annual Amount: 5607.72
  • Tax Block: 5
  • Tax Book Number: 46-19
  • Tax Lot: 0

Multi Family

  • Waterfront Features: Bay/Harbor
  • Approval Process: Application and approval by management

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $5,236 $329,612 -- $329,612
2023 $5,236 $301,912 $0 $301,912
2022 $5,096 $298,000 $0 $298,000
2021 $4,868 $271,832 $0 $0
2020 $4,470 $244,165 $0 $0
2019 $4,069 $216,975 $0 $216,975
2018 $4,070 $215,200 $0 $0
2017 $2,851 $148,934 $0 $0
2016 $2,717 $146,785 $0 $0
2015 $2,562 $136,087 $0 $0
2014 $2,440 $136,405 $0 $0
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
07/24/2025 07/24/25 Price Changed $439,900 -2.2% $368 / Sq Ft
07/10/2025 07/10/25 For Sale $450,000 +5.9% $376 / Sq Ft
10/07/2022 10/07/22 Sold $425,000 -2.3% $355 / Sq Ft
09/02/2022 09/02/22 Pending -- -- --
08/15/2022 08/15/22 Price Changed $435,000 -3.3% $363 / Sq Ft
07/26/2022 07/26/22 For Sale $450,000 +74.4% $376 / Sq Ft
08/22/2017 08/22/17 Off Market $258,000 -- --
05/24/2017 05/24/17 Sold $258,000 0.0% $216 / Sq Ft
04/09/2017 04/09/17 Pending -- -- --
03/30/2017 03/30/17 For Sale $258,000 -- $216 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $425,000 Fidelity National Title
Warranty Deed $258,000 Total Title Solutions
Warranty Deed $180,000 Sunbelt Title Agency
Warranty Deed -- --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $1,780,000 New Conventional
Closed $318,750 New Conventional
Previous Owner $180,600 Adjustable Rate Mortgage/ARM
Previous Owner $82,500 New Conventional
Source: Public Records

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Source: Stellar MLS

MLS Number: TB8396237

Stellar MLS

APN: 03-29-16-52980-002-0050