105 ISLAND WAY UNIT 132, CLEARWATER, FL, 33767
Active295 days on marketListed Oct 13, 2025MLS #TB8437305
About this home
105 ISLAND WAY UNIT 132
Virtually Staged. Sophisticated elegance best describes this beautifully updated condo. This is a 2 bedroom with 2 full bath home that has high end finishes throughout. The kitchen has been opened to the main living area making it an open concept living space. The kitchen is finished with high end custom cabinets, stainless steel appliances and quarts countertops. The master retreat has a window with pool and water views. The master bath has custom walk-in shower with decorative glass tiles, custom cabinetry and his and hers separate sinks with quarts counter tops. The guest bath is a mirror image the designer finishes of the master bath. This home is also finished with custom lighting and 18x18 tile through the entire home. Windows and doors are also updated. Located at the Islander this is a 55 plus community. The amenities include, underbuilding parking, storage closet, heated pool and spa. This is a short stroll to Publix grocery, fine dining, gas station, and bank. All this is 25 minutes to 2 International airports and half a mile to our world-famous Clearwater beach.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,090
Sqft
1.97 ac
Lot size
1972
Year built
One
Levels
$202
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.
$1,881 /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
$1,881/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
−53.3%
$/sqft vs Clearwater actives
$202 vs $216
Days on market
295 vs 55 typical
Where $202/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 Island Estate
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater 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 market
$328K → $350K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
222 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 60% below the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 105 ISLAND WAY UNIT 132
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$284,000
105 ISLAND WAY UNIT 147 · same community
2 bd · 2 ba · 1,090 sqft · $261/sqft · 5 DOM
Sold · Sep ’25$335,000
628 CLEVELAND STREET UNIT 1208
1 bd · 2 ba · 1,094 sqft · $306/sqft · 123 DOM
Sold · Feb ’26$437,500
865 S GULFVIEW BOULEVARD UNIT 312
2 bd · 2 ba · 1,074 sqft · $407/sqft · 92 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 105 ISLAND WAY UNIT 132 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 105 ISLAND WAY UNIT 132 — 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
105 ISLAND WAY UNIT 132 FAQs
What would the monthly payment be for 105 ISLAND WAY UNIT 132?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,881/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 105 ISLAND WAY UNIT 132?+
The most recent tax bill on record (2025) was $3,944. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Clearwater?+
At $220,000, this home is listed about 20% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 105 ISLAND WAY UNIT 132?+
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 33767 market on paper
$220,000 is 60% below the CLEARWATER 33767 median of $550,000, and at $202/sqft it sits under the Clearwater average of $276.
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
295 days on market against a Clearwater median of 55 — 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 $269,000, now $220,000 — a $49K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Mary Donovan, Pa. MLS #TB8437305.
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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