$1,397,000
3 Bed Waterfront Home for Sale in Safety Harbor Club
4490 Harbor Bend Drive, Upper Captiva, FL, 33924
About this home
The perfect boater's retreat! This charming three-bedroom waterfront home on the harbor is fully remodeled. Excellent water views from both levels. Dock permits are in place to build a dock for your dream boat. Enjoy the custom-crafted kitchen with marble countertops and stainless steel appliances, with fantastic views across the living area to the harbor. Watch the wildlife and passing boats while relaxing on the deck or screened porch. Two large guest bedrooms share a fully upgraded hall bath with a custom tile walk-in shower. The east-facing bedroom enjoys views of the harbor and another screen porch access sliding glass door, perfect for catching the fresh seaside breezes. To the west is another guest bunk room. On the second level, the spacious primary suite with dual closets & a deluxe tiled bathroom offers a huge waterfront sun porch with composite decking. Just off the primary suite is a versatile sitting room that makes a great office, media room, or extra sleeping space. Impact windows & doors, as well as a newer aluminum standing seam roof, ensure durability and peace of mind. It is just steps from community dock slips with full membership to the Safety Harbor Club amenities, pool, tennis, pickleball, and gulf beach access. This rare waterfront gem won't last. Schedule your private showing today!
Property details
- Type
- SingleFamilyResidence
- Year built
- 1982
- Interior
- 1,841 sqft
- Lot size
- 18,774.36 sqft
- Acreage
- 0.43 acres
- Garage
- None
- Days on market
- 91
- Total association fees
- $7,000/yr (~$583/mo)
- CDD
- None
- Est. taxes (1.4%)
- $19,558/yr
- Flood zone (area est.)
- Not available
- Storm protection
- Impact Windows/Doors
- Exposure
- West
- Waterfront
- Yes
- Gulf access
- No
- Gulf access type
- N/A
- Pool
- No
- Spa
- No
- Natural gas
- No
- Water
- Public
- Sewer
- Public Sewer
- New construction
- No
- Pets
- Yes
- County
- Lee
Total association fees sums the core association dues the MLS feed provides (HOA, condo/master association, and land lease), normalized to a yearly figure. These are separate from and additional to specialty charges, mandatory club or food-and-beverage minimums, special assessments, and rec-lease fees, which the IDX feed does not carry. Always confirm the full fee schedule with the HOA or listing agent.
Maintenance included in the fee
What the association dues cover, per the MLS. Confirm the full schedule with the HOA.
Amenities
We rate a home against recently SOLD homes within ~1 mile that match on size, beds/baths, and age. This home doesn't have enough close comparables in the last 12 months for a reliable read, ask Rick for a personalized CMA.
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Your notes on this home
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Recently sold nearby
Closed comparable sales within ~1 mile in the last 12 months, similar price, size, beds/baths, and age.
| Address | Sold | Sold price | Beds/Baths | Sq ft | $/sqft |
|---|---|---|---|---|---|
| 631 Rum Road | Jul 2026 | $1,381,500 | 3/4 | 1,920 | $720 |
| Average | 1 comps | $1,381,500 | $720 |
Market trends, Upper Captiva
Live area medians from the MLS · see all listings. Indicative, not an appraisal.
Price & status history
Down $53,000 (3.7%) from the original list price.
| Mar 17, 2026 | Price reducedfrom $1,450,000 | $1,397,000 |
| Jan 6, 2026 | Listed | $1,450,000 |
The good, the trade-offs & the location
- Waterfront
- Storm protection: Impact Windows/Doors
- Built 1982 — pre-2002 construction may carry older wind codes and higher insurance
- No garage listed
Straight-line distances to major SWFL amenities, approximate; actual drive times vary.
Nearby schools
Get more information on their programs, scores, and extracurriculars on each school's page · browse the full schools directory.
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Listing information is provided in part by the Florida Gulf Coast Multiple Listing Service (MLS) through its Broker Reciprocity / Internet Data Exchange (IDX) program. Properties displayed may be listed by brokerages other than SWFL Relocation Team. Data is deemed reliable but is not guaranteed accurate by the MLS or this brokerage and should be independently verified. Fees, flood zones, taxes, square footage, and school assignments are estimates from the feed and must be confirmed. © 2026 SWFL Relocation Team. All rights reserved.