David Ramirez
$3,490,000$3,890,0003 bd4 ba4,509 sqft$774 /sqft$23,238 /mo all-in ↓

231 MIDWAY ISLAND, CLEARWATER BEACH, FL, 33767

Active311 days on marketListed Sep 25, 2025MLS #TB8431098

Reduced $400KWaterfrontPrivate poolSingle Family ResidenceISLAND ESTATES OF CLEARWATER

About this home

231 MIDWAY ISLAND

Experience refined coastal living with just the right amount of Florida flair in this elegant Spanish Mediterranean waterfront residence, perfectly positioned on the sparkling Intracoastal waters of Clearwater Bay. Think luxury, sunshine, salt air, and enough waterfront charm to make your friends suddenly “available” every weekend. Move-in ready and partially furnished with curated Restoration Hardware pieces, this home makes stepping into the coastal lifestyle almost too easy. From the moment you enter, you’re greeted by bright, airy spaces filled with natural light and elevated by extensive custom millwork, including coffered ceilings, layered crown molding, tray ceilings, detailed wainscoting, and the kind of craftsmanship that quietly says, “Yes, this home has excellent taste.” A private elevator services each level, adding everyday convenience with a polished luxury touch. The gourmet kitchen is truly the heart of the home, thoughtfully designed for entertaining, everyday living, and pretending your morning coffee tastes better because you’re drinking it by the water, spoiler alert, it probably does. Custom solid wood cabinetry with seeded glass accents, granite countertops and full backsplash, a spacious breakfast bar, farmhouse sink, and premium appliances create a kitchen that is both stunning and highly functional. Features include a six-burner Wolf range with pot filler, Sub-Zero refrigerator, dishwasher, built-in microwave, ice maker, beverage fridge, and wine fridge, because in Florida, hydration is important and sometimes it comes chilled. A charming eat-in nook offers the perfect spot for sunrise coffee, casual meals, or evening wine while watching the sky do that gorgeous Clearwater thing. The main level also includes a beautifully appointed half bath for guests and a luxurious primary suite designed as a private waterfront retreat. The spa-inspired primary bathroom features dual vanities, a freestanding soaking tub, and a separate walk-in shower, creating a peaceful space to unwind after a day on the boat, at the beach, or simply supervising the sunset. Three closets provide exceptional storage, including a versatile dressing room that was formerly a private office with its own entrance, easily converted back depending on whether your wardrobe or your work-from-home life needs more space. Upstairs, two additional bedrooms each feature their own en suite bath and walk-in closet, offering comfort and privacy for family and guests alike. It is the perfect setup for visitors who come for “just a few days” and then remember they love Clearwater. Elegant, move-in ready, partially furnished, and set along one of Florida’s most beautiful waterfront backdrops, this home delivers the luxury coastal lifestyle people dream about, with no filter required.

Facts & features

The home at a glance

3

Bedrooms

4

Bathrooms

4,509

Sqft

0.22 ac

Lot size

4

Garage

2015

Year built

Three Or More

Levels

$774

Per sqft

Private poolWaterfrontWater viewNegotiablePets allowed

Inside

FlooringEngineered Hardwood · Tile · Travertine
AppliancesBar Fridge · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Ice Maker · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Washer · Water Softener · Wine Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air · Zoned
HeatingCentral · Zoned
FurnishedNegotiable

Outside & construction

RoofConcrete · Tile
ConstructionBlock · Wood Frame (FSC Certified)
FoundationBlock · Slab · Stilt/On Piling
ViewWater
FacesWest
ParkingDriveway · Golf Cart Parking · Tandem · Under Building
ExteriorBalcony · French Doors · Irrigation System · Lighting · Private Mailbox · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2024)$35,251/yr
PetsYes

Utilities & systems

UtilitiesPublic
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$23,238 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$18,832
PMI (est., until 20% equity)$1,309
Property tax — 2024 actual bill$2,938
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $349,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $349,000
Interest rate6.00%
Loan term

Estimated payment

$23,238/mo

Principal & interest$18,832
PMI (est., until 20% equity)$1,309
Property taxes (actual bill)$2,938
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs ISLAND ESTATES OF CLEARWATER

$774 vs $750

Days on market

311 vs 84 typical

Where $774/sqft sits among the 8 homes for sale in ISLAND ESTATES OF CLEARWATER

2
0
1
1
2 · this home
2
$459–527$527–595$595–662$662–730$730–798$798+

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

Map of 231 MIDWAY ISLAND inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)34 min
Downtown Tampa37 min

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

ElementarySandy Lane Elementary School★★★★★
MiddleDunedin Highland Middle School★★★★
HighClearwater High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Clearwater Beach market

Seller’s marketLeans buyer10.1 months of inventoryBuyer’s market

$535K$916K

Clearwater Beach median sold, yr/yr

93.9%

Sale-to-list ratio (12 mo)

5 of 8

ISLAND ESTATES OF CLEARWATER have cut their price

Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 529% above the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $3,490,000 $400K
Sep 25, 2025Listed at $3,890,000 · 311 days on market since
2015Built · ISLAND ESTATES OF CLEARWATER

Reality check

What actually sold near 231 MIDWAY ISLAND

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

333 MIDWAY ISLANDSold · Apr ’26

$1,390,000

333 MIDWAY ISLAND · same community

4 bd · 3.5 ba · 4,198 sqft · $331/sqft · 263 DOM

301 MIDWAY ISLANDSold · Apr ’26

$2,199,000

301 MIDWAY ISLAND · same community

4 bd · 3 ba · 4,176 sqft · $527/sqft · 186 DOM

511 WINDWARD PASSAGESold · Jun ’26

$2,905,000

511 WINDWARD PASSAGE · same community

5 bd · 5.5 ba · 5,006 sqft · $580/sqft · 93 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 231 MIDWAY ISLAND — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 231 MIDWAY ISLAND — 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.

Goes straight to David’s phone and CRM.

Straight answers

231 MIDWAY ISLAND FAQs

What would the monthly payment be for 231 MIDWAY ISLAND?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $23,238/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 231 MIDWAY ISLAND?+

The most recent tax bill on record (2024) was $35,251. 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 231 MIDWAY ISLAND?+

The listing reports pets: Yes. 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 $3,490,000, this home is listed about 332% above the Clearwater Beach median of $808,600. The market section on this page shows how the area is trending.

Which schools are assigned to 231 MIDWAY ISLAND?+

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

01Positioned at the premium end

$3,490,000 runs 529% above the CLEARWATER BEACH 33767 median — but at 4,509 sqft it's also nearly 3 times the size of the typical Clearwater Beach listing.

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 Beach median of 84 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $3,890,000, now $3,490,000 — a $400K cut. The full history is in the market section below.

Listing courtesy of IMPACT REALTY TAMPA BAY · Becky Billeci. MLS #TB8431098.

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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