240 SAND KEY ESTATES DRIVE UNIT 257, CLEARWATER, FL, 33767
Active280 days on marketListed Oct 27, 2025MLS #TB8438658
About this home
240 SAND KEY ESTATES DRIVE UNIT 257
NO STORM DAMAGE!! Beautiful Sand Key Estates waterfront condo that looks out over the Intracoastal & Gulf Beaches in Clearwater Florida is the perfect home to bring your boat, family & friends to enjoy everything Florida has to offer. Every room has full view glass sliding doors to access the large screened porch. The kitchen, dining & living area all overlook the water while you enjoy the upgraded appliances, very attractive solid wood cabinets, & solid surface counter tops. Condo has upgraded, beautiful bamboo flooring thru-out, with ceramic tile flooring in both large baths. The Master bedroom suite is great, looking out over the pretty views, & walks out to the large patio. Master bath is really stunning with designer tile in the big walk-in shower & waterfall custom shower head, plus the terrific custom double sink bath vanity with granite counter top. The design of the split bedrooms & split bathrooms allows for privacy, yet gives guest room the terrific views for your family & friends that visit. Bath 2 has a designer, solid wood cabinet with granite counter top plus a great tiled tub area that everyone will enjoy. The Condo has a spacious "in house" laundry room that includes the washer and dryer plus lots of built in storage. The Harborage II Condo's offer tons of features that include tennis, pickleball, heated pool, fishing pier, outside grills & picnic area & lots more! You are just a short distance away from Sand Key's beautiful beaches. This Condo includes the biggest boat slip in the development that allows you to bring the boat of your choice to enjoy. Your privacy and security are totally protected with the guard station and a totally secure neighborhood. This Condo Owner has maintained the quality and design of a home that offers you a beautiful property in one of Florida's most prestigious waterfront development that also has a financially secure Homeowners account to handle all emergencies and ongoing maintanence. This is an outstanding Condo location & well managed.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
1100 ac
Lot size
1983
Year built
Three Or More
Levels
$618
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.
$5,753 /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
$5,753/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
−3.5%
$/sqft vs Clearwater actives
$618 vs $218
Days on market
280 vs 47 typical
Where $618/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 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)
221 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 23% above the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 240 SAND KEY ESTATES DRIVE UNIT 257
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$232,500
147 BLUFF VIEW DRIVE UNIT 105
2 bd · 2 ba · 1,133 sqft · $205/sqft · 50 DOM
Sold · Feb ’26$315,000
100 BLUFF VIEW DRIVE UNIT 411C
1 bd · 2 ba · 1,050 sqft · $300/sqft · 107 DOM
Sold · Feb ’26$210,000
100 BLUFF VIEW DRIVE UNIT 212C
1 bd · 2 ba · 1,050 sqft · $200/sqft · 109 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 240 SAND KEY ESTATES DRIVE UNIT 257 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 240 SAND KEY ESTATES DRIVE UNIT 257 — 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
240 SAND KEY ESTATES DRIVE UNIT 257 FAQs
What would the monthly payment be for 240 SAND KEY ESTATES DRIVE UNIT 257?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,753/mo — principal and interest, the actual property-tax bill, the $974/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 240 SAND KEY ESTATES DRIVE UNIT 257?+
The association fee works out to $974 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 240 SAND KEY ESTATES DRIVE UNIT 257?+
The most recent tax bill on record (2024) was $8,333. 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 240 SAND KEY ESTATES DRIVE UNIT 257?+
The listing reports pets: Cats OK, Dogs OK, 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?+
At $680,000, this home is listed about 147% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 240 SAND KEY ESTATES DRIVE UNIT 257?+
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
Five things that matter here
01Positioned at the premium end
$680,000 runs 23% above the CLEARWATER 33767 median.
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 $974/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
280 days on market against a Clearwater median of 47 — sellers in this position are usually ready to negotiate.
05Strong 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 OLYMPIC REALTY SERVICES LLC · Sherry Wendt. MLS #TB8438658.
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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