Safety Harbor’s Charming Bungalow: From Rough Gem to Sparkling Jewel

1061 Delaware Street Safety Harbor, Florida

1061 Delaware St in Safety Harbor, Florida has had new life breathed into it by a wonderful young couple, Steven and Erin Judkins. They prove that the historic charm of Safety Harbor homes can be preserved using the 203K Rehab loan program and an eye for authenticity. Florida real estate could greatly benefit using this model and is no doubt thrilled to have the Judkins family living in Safety Harbor.

Their home was built circa 1930 and is in the Seminole Park Subdivision platted in 1916.

I love the charm of historic homes in Safety Harbor.  I knocked, unannounced mind you, on the Judkins’ door. They were so warm and gracious to me and invited me into their home. Pinellas county communities are well-known for their pleasant welcoming atmosphere. Safety Harbor’s hallmark is the wonderful small-town feel. How many places can you go, knock on someone’s door who has no idea who you are, and be welcomed inside their home to share in their joy of living in such a lovely home and community? Luckily, many of the North Pinellas communities are this way, and even more luckily I live and work in one of them.

You can click on thumbnails to enlarge

All photo’s by Musashi Yamasaki unless otherwise noted

1061delawarestreetsafetyharbor2

Yuki just loves the restored front porch!

Yuki just loves the restored front porch!

Steven and Erin purchased the home about two years ago and when I said in the blog post that they took it from rough gem to sparkling jewel,I was not exaggerating. A few years ago that section of Delaware street had a couple of homes that needed some serious TLC. I happen to have driven through there looking at homes with Yuki about the time that the Judkins purchased their home so I remember it well. Their home still contained all the charming bones of a historic bungalow, but the flesh had grown weak. The porch was in bad need of repair and the roof, like many old roofs had some issues. The whole thing needed some serious loving care and pride of home ownership and Steven and Erin provided that in spades!

The home looks great no matter the view.

The home looks great no matter the view.

The restored front porch

The restored front porch

The original windows survive and are being restored to full working order

The original windows survive and are being restored to full working order

Let's take a look inside this charming home!

Let’s take a look inside this charming home!

Don't you want to just move in?

Don’t you want to just move in?

Of hearth and home...

Of hearth and home…

Lovely restored wood staircase.

Lovely restored wood staircase.

Looking down the stairs, the kitty seems impressed.

Looking down the stairs, the kitty seems impressed.

They both love the historic charm their home offered and have been simply marvelous in the decisions they made to renovate using the 203K loan program but to also protect vital parts of the home’s heritage. 203K loans are an excellent loan vehicle to allow you not only fix up things the home may need which might preclude traditional financing, but the ability for homeowner’s to update the home to THEIR preference is super.  (Think Property Brothers from HGTV). Yuki has a lot of experience working with customers using 203k loans. We are both big fans of this program. We told Steven Erin that they are our model citizen of how you can leverage that loan option to turn a rough gem into a sparkling jewel.

Steven and Erin were nice enough to provide me their take on what the home means to them:

     “We bought our house using a 203k loan (rehab loan) as the home was in fairly decent condition but still needed some TLC to bring it back in it’s roots. The type of loan we used required us to use the services of a licenced contractor. Our contractor was excellent and very patient with us; however, we had different views for our new home. While we wanted to restore, he wanted to modernize. The first thing on his list was our windows. Our home still has the original the double hung windows. Some of the windows were rotten and in need of repair from the lack of upkeep. Our contractor pushed to replace all the windows with newer energy efficient windows. We had another plan. Erin’s father, Orin, is a cabinet maker by trade and offered to rebuild the windows that had suffered through the Florida elements. He has successfully rebuilt our dining room windows and we have plans to rebuild all of the windows on the west side of our house.  
 
     Another project we are very proud of is the rebuilding of our front porch. One of the previous homeowners had enclosed the front porch. We felt this took away from original spirit of the home. After countless hours of internet research of homes from the similar era as ours and driving through the streets of Safety Harbor for inspiration from our fellow bungalows, we decided on a design. As we began demolition of the porch, we knew we were in trouble. Three of our four columns we so rotten they were no longer touching the concrete footing. We rebuilt all of the columns and the head beam for structural reasons. We enjoy sitting on our porch with family and friends swapping stories and sharing meals. We feel we have returned the original desire of the porch to the home.”
They also supplied me with a couple of before and after picture, which are just fascinating to see:
1061delawarestreetsafetyharborbeforeandafter1
1061delawarestreetsafetyharborbeforeandafter2

 

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