Safety Harbor 34695

Pinellas County, FL · 15,371 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

48affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

32.6%

stretched

Days on market

daily

Price cuts

27.9%

of active

Valuation

-16.4%

vs assessor

Look up an address

/100

Mixed

stable · balanced · prices rising year-over-year.

Price trend

Affordability

Valuation

Economic health

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

Balanced Market

Needs 8% correction for affordability

DOM: 66d (rising) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)50

Valuation Gap (25%)40

Supply & Demand (20%)85

Buy vs Rent (15%)50

Cancellation Rate (10%)0

Days on Market (5%)75

Balanced market in 34695. List price is roughly fair — focus on condition and value. Payment burden: 31.9% of median income. Median days on market: 66. Renting is approximately 47% cheaper than buying (price-to-rent ratio: 17.7).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.

STABLEBALANCED

Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/34695" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Safety Harbor 34695 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/tampa/zip/34695?utm_source=embed&utm_medium=backlink">Safety Harbor 34695 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$506,185

▴ 1.0% YoY

Days on market

daily · zip_data

Median rent

$2,623

ZORI

Investor score

57/100

cash-flow lens

Active listings

90-day

Valuation3 lenses, different anchors

vs assessor

-16.4%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$423,397

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+69.8%

County-wide market — the widest, slowest signal.

Pinellas+69.8%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$133

Price-to-income5.2×

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How 34695 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity84%

Supply tightness58%

Affordability41%

Investment yield32%

Appreciation78%

Affordability, supply & momentum

42SUPPLY

BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply10.9 mo

Days on Market42d

Inv vs History-16.4%

Listing Density8.7/1k

Affordability — payment burden

Monthly payment (P&I)$2,616

Payment burden32.6%

Median income · ZIP$96,138

Mortgage rate6.71% · 30yr

Total monthly own$3,122

Monthly rent$2,623

Market dynamics

Price cut %27.9%

Momentumstable

LeverageBALANCED

Months of supply10.9

Sales (90d)0

Investment analysis

Median rent$2,623

Price-to-rent17.7

Est. cap rate3.7%

Buy vs rentneutral

Livability

Walk score6

Transit score1

Bike score—

Historical trends

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Price bandsmix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Pinellas.

Aggregate median -1.8% YoY in this ZIP, but the under-$500k tier is +6.4% — the aggregate is falling while the entry tier rises. Over the same year the under-$500k share of sales moved from 43.2% to 47.2% (+3.9pp) and the $1M+ share from 12.2% to 9.3% (-2.9pp).

Current tiers · 12 months to Aug 25floor 10 sales/tier

1 tier had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$180k	$136	81	14.0%	ZIP
$250k–$500k	$385k	$292	192	33.2%	ZIP
$500k–$750k	$610k	$292	183	31.6%	ZIP
$750k–$1M	$865k	$306	69	11.9%	ZIP
$1M–$1.5M	$1.16M	$396	32	5.5%	ZIP
$1.5M–$2M	$1.76M	$336	14	2.4%	ZIP
$2M+	$2.70M	$667	685	—	COUNTY · Pinellas, FL
All sales (the headline median)	$525k	$291	579	100%	ZIP

Share of sales by tier (quarterly)

If the upper tiers widen over time, the headline median rises on composition alone.

Under $250k
$250k–$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
$1.5M–$2M
$2M+

Median within each tier, against the headline median (quarterly)

The blue line is the single number NAR-style reporting quotes. The gold lines are what each tier actually did. Log scale — the tiers span an order of magnitude, and on a log axis equal slopes mean equal percentage moves, which is the comparison being made.

Under $250k
$250k��$500k
$500k–$750k
$750k–$1M
$1M–$1.5M
All sales (headline)

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 34695.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Pinellas County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

ZIP 34695→Pinellas County, FL

12-Month Direction

-10Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

38· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden46

32.6%

stretched

Source: Lotvox · Updated 2026-05-15

Buy vs Rent45

1.32x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation6

+69.8%

overvalued

Source: Lotvox comps · Updated 2026-05-15