920 N OSCEOLA AVENUE UNIT 703, CLEARWATER, FL, 33755
Active309 days on marketListed Oct 7, 2025MLS #TB8434786
About this home
920 N OSCEOLA AVENUE UNIT 703
Virtually Staged. EXCEPTIONAL WATERFRONT CONDO IN CLEARWATER, FLORIDA! Experience refined coastal living in this exceptional 7th-floor residence within Clearwater’s premier waterfront community, Marina Bay. This 3-bedroom, 4-bath condominium combines elegant design, modern construction, and resort-style amenities with stunning views of the Intracoastal Waterway and marina. A spacious, open, split-floor plan welcomes you with large-format tile flooring and expansive living and dining areas. Floor-to-ceiling, hurricane-rated windows and glass doors flood the home with natural light while showcasing panoramic water and skyline views. Electric window shades throughout add effortless comfort and privacy. The gourmet kitchen features sleek cabinetry, quartz countertops, and an oversized island with seating, framed by elegant crystal pendant lighting. The kitchen is outfitted with a full suite of premium stainless-steel appliances, including a French door refrigerator, wall oven, dishwasher and built-in microwave. A custom walk-in pantry includes pull-out drawers, adjustable shelving, and closed cabinetry designed for organization and ease. The primary suite exudes understated sophistication, complete with a spa-inspired bath featuring dual vanities, polished quartz counters, a frameless glass shower, refined designer fixtures, a private water closet, and a freestanding soaking tub that serves as the elegant focal point. Each additional bedroom includes its own ensuite bath with contemporary tilework and modern finishes, ensuring privacy and comfort for family or guests. Additional highlights include a spacious laundry room, multiple storage options, and two assigned parking spaces (#88 and #45) in the secure, gated underground garage. The property also provides electric vehicle charging stations for convenience and sustainability. Enjoy an impressive collection of resort-style amenities: a 25-meter heated saltwater lap pool with spa and two baja shelves, fitness center, sauna, steam room, putting green, and a stylish clubroom with catering pantry. The waterfront promenade and private marina create an ideal setting for evening strolls or sunset views. Built to the highest standards, Marina Bay features sound-insulated construction and top-quality hurricane-proof windows and doors. Expansive terraces with glass railings maximize views of the Intracoastal and marina. Residents enjoy a 24/7 concierge service, a full-time on-site property manager, and secure access for added peace of mind. Located just minutes from Clearwater Beach and downtown, this residence captures the best of luxury coastal living — modern elegance, convenience, and breathtaking water views in every direction.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,722
Sqft
2
Garage
2021
Year built
One
Levels
$413
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 — not generic estimates.
$8,354 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,354/mo
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.
vs edgeAI estimate
−20%
$/sqft vs Clearwater actives
$413 vs $226
Days on market
309 vs 55 typical
Where $413/sqft sits among the 399 Clearwater actives
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 Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33755 — neighborhood snapshot
Population
28,057
Median age
41.3
Median income
$59,613
Median home value
$300,200
Avg household
2.46
Households w/ children
2,788
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 → $333K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
230 of 399
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 213% above the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 920 N OSCEOLA AVENUE UNIT 703
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$825,000
920 N OSCEOLA AVENUE UNIT 507 · same community
2 bd · 2 ba · 1,883 sqft · $438/sqft · 201 DOM
Sold · Feb ’26$825,000
920 N OSCEOLA AVENUE UNIT 402 · same community
2 bd · 2 ba · 1,800 sqft · $458/sqft · 0 DOM
Sold · May ’26$1,450,000
331 CLEVELAND STREET UNIT 1204
3 bd · 2.5 ba · 2,425 sqft · $598/sqft · 12 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 920 N OSCEOLA AVENUE UNIT 703 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 920 N OSCEOLA AVENUE UNIT 703 — 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
920 N OSCEOLA AVENUE UNIT 703 FAQs
What would the monthly payment be for 920 N OSCEOLA AVENUE UNIT 703?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,354/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 920 N OSCEOLA AVENUE UNIT 703?+
The most recent tax bill on record (2024) was $20,426. 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 920 N OSCEOLA AVENUE UNIT 703?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,125,000, this home is listed about 309% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 920 N OSCEOLA AVENUE UNIT 703?+
Skycrest Elementary School (elementary), Clearwater High School (high), Dunedin Highland 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
01Positioned at the premium end
$1,125,000 runs 213% above the CLEARWATER 33755 median — but at 2,722 sqft it's also nearly twice the size of the typical Clearwater 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
309 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Skycrest Elementary School, Clearwater High School, Dunedin Highland Middle School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH TAMPA · Jodi Avery. MLS #TB8434786.
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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