1270 GULF BOULEVARD UNIT 401, CLEARWATER, FL, 33767
Active311 days on marketListed Sep 17, 2025MLS #TB8428535
About this home
1270 GULF BOULEVARD UNIT 401
Welcome to Harbour Light Towers on Sand Key. This 2BR/2BA turn key furnished condo is located on the Gulf of Mexico. Ready for your vacation? Call for more details.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
0 ac
Lot size
1974
Year built
One
Levels
$5
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$200 /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
$200/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs HARBOUR LIGHT TOWERS CONDO
$5 vs $585
Days on market
311 vs 47 typical
Where $5/sqft sits among the 6 homes for sale in HARBOUR LIGHT TOWERS CONDO
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 Sand Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Sand Key — neighborhood snapshot
Population
2,337
Median age
71
Median income
$109,542
Median home value
$727,100
Avg household
2
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
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
4 of 6
HARBOUR LIGHT TOWERS CONDO have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1270 GULF BOULEVARD UNIT 401
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$685,000
1270 GULF BOULEVARD UNIT 501 · same community
2 bd · 2 ba · 1,094 sqft · $626/sqft · 42 DOM
Sold · Mar ’26$485,000
1270 GULF BOULEVARD UNIT 506 · same community
2 bd · 2 ba · 1,094 sqft · $443/sqft · 338 DOM
Sold · Feb ’26$750,000
1270 GULF BOULEVARD UNIT 308 · same community
2 bd · 2 ba · 1,208 sqft · $621/sqft · 178 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 1270 GULF BOULEVARD UNIT 401 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1270 GULF BOULEVARD UNIT 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
1270 GULF BOULEVARD UNIT 401 FAQs
What would the monthly payment be for 1270 GULF BOULEVARD UNIT 401?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $200/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1270 GULF BOULEVARD UNIT 401?+
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 $5,500, this home is listed about 98% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1270 GULF BOULEVARD UNIT 401?+
Mildred Helms Elementary School (elementary), Largo High School (high), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the CLEARWATER 33767 market on paper
$5,500 is 99% below the CLEARWATER 33767 median of $555,000, and at $5/sqft it sits under the Clearwater average of $275.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
311 days on market against a Clearwater median of 47 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Mildred Helms Elementary School, Largo High School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SAND KEY REALTY · Frankie Napolitano. MLS #TB8428535.
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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