400 ISLAND WAY UNIT 104, CLEARWATER BEACH, FL, 33767
Active384 days on marketListed Jul 18, 2025MLS #TB8406028
About this home
400 ISLAND WAY UNIT 104
RARE OPPORTUNITY – DIRECT POOL ACCESS + STORM-SAFE! Welcome to coastal living at its finest on sought-after 400 Island Way! This beautifully maintained 2-bedroom, 2-bath condo offers the unique luxury of direct walk-out access to the pool—perfect for effortless entertaining and everyday relaxation. Unlike many coastal units, this home has no history of hurricane damage, offering added peace of mind. Inside, you'll find a smartly designed floorplan with spacious living areas, generous natural light, and a seamless indoor-outdoor flow. Island Estates is one of Clearwater Beach’s most desirable communities—offering resort-style amenities, walkability to shops and dining, and just minutes to world-famous sugar-sand beaches. Whether you’re looking for a full-time residence, vacation getaway, or income-producing rental, this unit delivers. Schedule your private tour today—opportunities like this don't last long!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,240
Sqft
1978
Year built
One
Levels
$402
Per sqft
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.
$4,476 /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
$4,476/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+7.5%
$/sqft vs STARBOARD TOWER
$402 vs $383
Days on market
384 vs 74 typical
Where $402/sqft sits among the 6 homes for sale in STARBOARD TOWER
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Island Estate
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater Beach. See the full Clearwater Beach guide →
Island Estate — neighborhood snapshot
Population
2,783
Median age
62
Median income
$108,222
Median home value
$631,400
Avg household
2
Households w/ children
223
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 Beach market
$535K → $905K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
4 of 6
STARBOARD TOWER have cut their price
Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% below the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 400 ISLAND WAY UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$340,000
400 ISLAND WAY UNIT 705 · same community
2 bd · 2 ba · 1,240 sqft · $274/sqft · 178 DOM
Sold · Oct ’25$425,000
400 ISLAND WAY UNIT 502 · same community
2 bd · 2 ba · 1,240 sqft · $343/sqft · 85 DOM
Sold · Dec ’25$200,000
400 ISLAND WAY UNIT 308 · same community
2 bd · 2 ba · 1,240 sqft · $161/sqft · 403 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 400 ISLAND WAY UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 ISLAND WAY UNIT 104 — 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
400 ISLAND WAY UNIT 104 FAQs
What would the monthly payment be for 400 ISLAND WAY UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,476/mo — principal and interest, the actual property-tax bill, the $1,058/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 400 ISLAND WAY UNIT 104?+
The association fee works out to $1,058 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 400 ISLAND WAY UNIT 104?+
The most recent tax bill on record (2024) was $1,191. 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 400 ISLAND WAY UNIT 104?+
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 Beach?+
At $499,000, this home is listed about 38% below the Clearwater Beach median of $799,000. The market section on this page shows how the area is trending.
Which schools are assigned to 400 ISLAND WAY UNIT 104?+
Sandy Lane Elementary School (elementary), Dunedin Highland Middle School (middle), Clearwater 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 BEACH 33767 market on paper
$499,000 is 9% below the CLEARWATER BEACH 33767 median of $550,000, and at $402/sqft it sits under the Clearwater Beach average of $671.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,058/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
384 days on market against a Clearwater Beach median of 74 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Sandy Lane Elementary School, Dunedin Highland Middle School, Clearwater High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Kathy Grams. MLS #TB8406028.
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 Stellar MLS.
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