430 LARBOARD WAY UNIT 3, CLEARWATER BEACH, FL, 33767
Active287 days on marketListed Oct 20, 2025MLS #TB8439567
About this home
430 LARBOARD WAY UNIT 3
WATERFRONT DEAL WITH LOW MAINT FEE* Enjoy this WATERFRONT 1st FLOOR 3bdrm 2 full baths with inside laundry and a LOW MONTHLY MAINT FEE of $575 per month for a 3 BDRM UNIT! Fee INCLUDES- Water, Trash, Cable TV, Internet, Maintenance Exterior. This small self-managed PET FRIENDLY Boutique building affords you all the things you've been wanting, in a GREAT PRICE POINT ...Waterfront Views, 1st floor, FURNISHED TURN-KEY**AUTOMATIC INCOME ALREADY-TENANT IN PLACE UNTIL 11-30-26** walk to anything you need. ONE BLOCK to grocery, fuel, post -office, The Beach Trolley, Fine and casual Dining. THE BEACH always has SOMETHING GOING ON - events such as-Sand Castle exhibit, Boat races, Food Fest, STONE Crab Fest, PIER60, PLUS BEAUTIFUL MORNING or SUNSET WALKS. COME ENJOY THE BEACH LIFE.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,200
Sqft
0.28 ac
Lot size
1970
Year built
One
Levels
$304
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.
$3,571 /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
$3,571/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
−56.6%
$/sqft vs Clearwater Beach actives
$304 vs $565
Days on market
287 vs 84 typical
Where $304/sqft sits among the 282 Clearwater Beach 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 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 → $916K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
121 of 282
Clearwater Beach actives have cut their price
Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 34% 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 430 LARBOARD WAY UNIT 3
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$545,000
450 S GULFVIEW BOULEVARD UNIT 708
2 bd · 2 ba · 1,186 sqft · $460/sqft · 109 DOM
Sold · Dec ’25$659,000
450 S GULFVIEW BOULEVARD UNIT 408
2 bd · 2 ba · 1,186 sqft · $556/sqft · 291 DOM
Sold · Jul ’26$570,000
450 S GULFVIEW BOULEVARD UNIT 704
2 bd · 2 ba · 1,186 sqft · $481/sqft · 34 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 430 LARBOARD WAY UNIT 3 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 430 LARBOARD WAY UNIT 3 — 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
430 LARBOARD WAY UNIT 3 FAQs
What would the monthly payment be for 430 LARBOARD WAY UNIT 3?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,571/mo — principal and interest, the actual property-tax bill, the $575/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 430 LARBOARD WAY UNIT 3?+
The association fee works out to $575 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 430 LARBOARD WAY UNIT 3?+
The most recent tax bill on record (2024) was $6,315. 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 430 LARBOARD WAY UNIT 3?+
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 $365,000, this home is listed about 55% below the Clearwater Beach median of $808,600. The market section on this page shows how the area is trending.
Which schools are assigned to 430 LARBOARD WAY UNIT 3?+
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
$365,000 is 34% below the CLEARWATER BEACH 33767 median of $555,000, and at $304/sqft it sits under the Clearwater Beach average of $673.
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 $575/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
287 days on market against a Clearwater Beach median of 84 — 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 EZ CHOICE REALTY · Stephanie Hartmann Chaconas. MLS #TB8439567.
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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