2130 ELM ST # 401, Clearwater FL 34698, CLEARWATER, FL, 34698
Active142 days on marketListed Mar 18, 2026MLS #A11986261
About this home
2130 ELM ST # 401, Clearwater FL 34698
Welcome to this fabulous 2-bedroom, 2-bath corner unit located in the desirable Forest Park community in Dunedin. This first-floor corner unit features additional windows that allow for abundant natural light throughout the living and dining areas, creating a bright and inviting atmosphere. The open-concept layout offers a functional flow, ideal for everyday living and entertaining. The spacious kitchen includes ample cabinetry, a pass-through breakfast bar, and an eat-in area suitable for casual dining. Enjoy outdoor living from the screened-in patio, which offers a peaceful setting with a partial water view. Additional features include a full-size washer and dryer, newer A/C system (approximately 3 years old) and covered carport, along with ample guest parking. Community amenities include a clubhouse, pool, exterior maintenance, water, trash, sewer, cable TV, and internet. Conveniently located just minutes from the amazing downtown Dunedin, shopping, dining, the Pinellas Trail, Honeymoon Island, Caladesi State Park, and TD Ballpark.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1988
Year built
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,698 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,698/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 34698 — neighborhood snapshot
Population
37,817
Median age
58.1
Median income
$67,323
Median home value
$335,800
Avg household
2.04
Households w/ children
2,412
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clearwater market
$328K → $350K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% below the CLEARWATER 34698 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2130 ELM ST # 401
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$220,000
2139 ELM STREET UNIT 308 · same community
2 bd · 2 ba · 980 sqft · $224/sqft · 329 DOM
Sold · Jan ’26$250,000
2170 ELM STREET UNIT 906 · same community
2 bd · 2 ba · 1,005 sqft · $249/sqft · 242 DOM
Sold · Mar ’26$159,000
2188 ELM STREET UNIT 1107 · same community
2 bd · 2 ba · 1,020 sqft · $156/sqft · 204 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2130 ELM ST # 401 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2130 ELM ST # 401 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2130 ELM ST # 401 FAQs
What would the monthly payment be for 2130 ELM ST # 401, Clearwater FL 34698?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,698/mo — principal and interest, the actual property-tax bill, the $600/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2130 ELM ST # 401, Clearwater FL 34698?+
The association fee works out to $600 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2130 ELM ST # 401, Clearwater FL 34698?+
The most recent tax bill on record (2025) was $3,657. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2130 ELM ST # 401, Clearwater FL 34698?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Clearwater?+
At $258,000, this home is listed about 6% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2130 ELM ST # 401, Clearwater FL 34698?+
Dunedin Highland Middle School (middle), Dunedin Elementary School (elementary), Dunedin High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the CLEARWATER 34698 market on paper
$258,000 is 20% below the CLEARWATER 34698 median of $324,450.
02Garden View & Other View views
The garden view and other view view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $600/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
142 days on market against a Clearwater median of 54 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Dunedin Highland Middle School, Dunedin Elementary School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Epique Realty Inc. · Jacqueline Hafer. MLS #A11986261.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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