31 ISLAND WAY UNIT 609, CLEARWATER BEACH, FL, 33767
Active296 days on marketListed Oct 14, 2025MLS #TB8436789
About this home
31 ISLAND WAY UNIT 609
Carefree island living awaits in the spacious waterfront 2-bedroom, 2-bathroom co-op located on Island Estates in Clearwater Beach. Offering 1,295 square feet of comfortable living space, this sixth-floor residence is ready for immediate occupancy with furnishings optional, allowing for an easy and care-free move. The home is filled with natural light thanks to large southwest facing windows, offering expansive water views of Clearwater Beach and beautiful sunsets. Both spacious bedrooms feature large windows with stunning water views. Living at Horizon House is a breeze with the monthly HOA fee covering an impressive list of essentials: electricity including air conditioning and air conditioning maintenance and repair, water, sewer, high-speed internet, basic cable, trash pickup, pest control, water heater servicing, and building emergency generator. Residents also enjoy premium amenities such as a heated swimming pool, an elegant lobby with on site security, recreation room with kitchen, fitness center, fishing dock with cleaning station, shuffleboard, free laundry rooms, and storage closet. The building has a manger and security on site weekdays as well as a FOB entry system. Service or emotional support animals only. Garage, covered parking and boat slips are available. Pier 60 is only 1 mile away, making walks on the beach your new routine. All the activities and restaurants of Clearwater Beach are at your disposal with the added convenience of a full-service Publix grocery store within 0.3 miles (a 6 minute walk) and popular local spots like Island Way Grill and the Clearwater Marine Aquarium are just across the street.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,295
Sqft
2.81 ac
Lot size
1962
Year built
One
Levels
$274
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.
$4,105 /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
$4,105/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
−21.1%
$/sqft vs HORIZON HOUSE CO-OP
$274 vs $271
Days on market
296 vs 75 typical
Where $274/sqft sits among the 8 homes for sale in HORIZON HOUSE CO-OP
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)
3 of 8
HORIZON HOUSE CO-OP have cut their price
Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% 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 31 ISLAND WAY UNIT 609
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$263,000
31 ISLAND WAY UNIT 1107 · same community
2 bd · 2 ba · 1,295 sqft · $203/sqft · 153 DOM
Sold · Aug ’25$225,000
31 ISLAND WAY UNIT 406 · same community
2 bd · 2 ba · 1,295 sqft · $174/sqft · 45 DOM
Sold · Oct ’25$252,500
31 ISLAND WAY UNIT 502 · same community
2 bd · 2 ba · 1,350 sqft · $187/sqft · 90 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 31 ISLAND WAY UNIT 609 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31 ISLAND WAY UNIT 609 — 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
31 ISLAND WAY UNIT 609 FAQs
What would the monthly payment be for 31 ISLAND WAY UNIT 609?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,105/mo — principal and interest, the actual property-tax bill, the $1,455/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 31 ISLAND WAY UNIT 609?+
The association fee works out to $1,455 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 31 ISLAND WAY UNIT 609?+
The most recent tax bill on record (2024) was $2,917. 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 31 ISLAND WAY UNIT 609?+
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 $355,000, this home is listed about 56% 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 31 ISLAND WAY UNIT 609?+
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
$355,000 is 36% below the CLEARWATER BEACH 33767 median of $555,000, and at $274/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 $1,455/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
296 days on market against a Clearwater Beach median of 75 — 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 ENGEL & VOLKERS MADEIRA BEACH · Evan Pedone. MLS #TB8436789.
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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