David Ramirez
$929,000$1,075,0002 bd2 ba1,377 sqft$675 /sqft$6,364 /mo all-in ↓

1520 GULF BOULEVARD UNIT 1404, CLEARWATER BEACH, FL, 33767

Active256 days on marketListed Nov 22, 2025MLS #TB8450315

Reduced $146KWaterfrontPrivate poolFully furnishedCondominiumULTIMAR ONE CONDO

About this home

1520 GULF BOULEVARD UNIT 1404

FURNISHED & TURNKEY! JUST BRING YOUR TOOTHBRUSH, SWIMSUIT & FLIPFLOPS!!! A ROOM WITH A VIEW! Water views from every room. Lovely 2 bedroom, 2 bath condo updated in Coastal style. New 2-tone kitchen cabinets with Granite tops, Mother of Pearl backsplash, under cabinet lighting & newer Stainless Steel appliances. Plantation shutters in breakfast area. Gourmet kitchen with breakfast bar that opens to the living/dining area. New Luxury Vinyl Planking floors throughout for easy maintenance. Popcorn removed from all ceilings & updated lighting. Interior doors & closet doors replaced. Front loading washer & dryer in laundry closet. Freshly painted thrughout, Sunshades in living room & guest bedroom with Hunter Douglas Luminettes in Primary Bedroom including black out shades. Primary bedroom has expansive views of the ocean from corner window & sliders. Sliders that open to the balcony featured in Primary bedroom & living room. Enjoy the beautiful views & sounds of the Ocean as you relax on your balcony. Lovely sunsets part of the year. Great views of the Intracoastal with beautiful nighttime lights. Primary bath has huge tile shower with frameless enclosure & bench for comfort. Large storage closet along with linen closet in primary bath. Double vanity with white cabinets & granite tops. Guest bath with updated white vanity, granite top & beautiful tile shower. . Guest bedroom has a beautiful view of the ocean as well. Both bedrooms have large walk-in closets. New A/C 4/2025. The Ultimar is a world class condo complex on Sand Key of famous Clearwater Beach. Miles of white sand. Lush tropical landscaped grounds are expertly maintained. 24 hr guard gated. True Resort Style Living with 3 geothermal heated pools w/spas (1 a lap pool), 3 tennis courts, pickle ball, basketball court, putting green, croquet lawn, shuffle board, grill area, fire pit area, fitness, steam & sauna, billiards room, media room, social room with catering kitchen. Walk to great restaurants & shops or catch the Beach Trolley right out in front of the building. A short drive to Tampa & the airport plus all of the sports venues of our championship teams. Parking Space #28 See virtual tour! Start Living the Florida Beach Lifestyle Today!! Call today for your private appointment to tour.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,377

Sqft

0.25 ac

Lot size

1991

Year built

One

Levels

$675

Per sqft

Private poolWaterfrontCity & Pool & Water viewFurnished

Inside

FlooringLuxury Vinyl
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofBuilt-Up
ConstructionConcrete · Stucco
FoundationPillar/Post/Pier · Stem Wall
ViewCity · Pool · Water
FacesSouth
ParkingAssigned · Under Building
ExteriorBalcony · Irrigation System · Lighting · Outdoor Grill · Outdoor Shower · Private Mailbox · Sidewalk · Sliding Doors · Storage · Tennis Court(s)

Community & fees

HOA fee$267/mo
Taxes (2024)$6,911/yr
PetsNumber Limit
CommunityFishing · Gulf/Ocean Front · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Gated Community - Guard · Irrigation-Reclaimed Water · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Available · Public · Sewer Connected · Sprinkler Recycled · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$6,364 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,013
PMI (est., until 20% equity)$348
Property tax — 2024 actual bill$576
Condo fee — from the listing$267
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $92,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $92,900
Interest rate6.00%
Loan term

Estimated payment

$6,364/mo

Principal & interest$5,013
PMI (est., until 20% equity)$348
Property taxes (actual bill)$576
HOA / condo fee$267
Est. insurance$160

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.

List $929K
$629KedgeAI estimate $748,896 · range $655K$805K$966K

vs edgeAI estimate

+24%

$/sqft vs Clearwater Beach actives

$675 vs $565

Days on market

256 vs 71 typical

Where $675/sqft sits among the 277 Clearwater Beach actives

68
83
46 · this home
22
24
34
$290–446$446–603$603–759$759–916$916–1073$1073+

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

Map of 1520 GULF BOULEVARD UNIT 1404 inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)40 min
Downtown Tampa44 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Clearwater Beach. See the full Clearwater Beach 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

ElementaryMildred Helms Elementary School★★★★
HighLargo High School★★★★★
MiddleLargo Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Clearwater Beach market

Seller’s marketLeans buyer8.1 months of inventoryBuyer’s market

$535K$885K

Clearwater Beach median sold, yr/yr

93.9%

Sale-to-list ratio (12 mo)

119 of 277

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 67% above the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $929,000 $146K
Nov 22, 2025Listed at $1,075,000 · 256 days on market since
1991Built · ULTIMAR ONE CONDO

Reality check

What actually sold near 1520 GULF BOULEVARD UNIT 1404

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1520 GULF BOULEVARD UNIT 603Sold · Nov ’25

$1,050,000

1520 GULF BOULEVARD UNIT 603 · same community

2 bd · 2 ba · 1,377 sqft · $763/sqft · 4 DOM

1520 GULF BOULEVARD UNIT 404Sold · Oct ’25

$1,055,000

1520 GULF BOULEVARD UNIT 404 · same community

2 bd · 2 ba · 1,377 sqft · $766/sqft · 108 DOM

1520 GULF BOULEVARD UNIT 1505Sold · Mar ’26

$565,000

1520 GULF BOULEVARD UNIT 1505 · same community

1 bd · 2 ba · 980 sqft · $577/sqft · 277 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1520 GULF BOULEVARD UNIT 1404 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1520 GULF BOULEVARD UNIT 1404 — 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.

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Goes straight to David’s phone and CRM.

Straight answers

1520 GULF BOULEVARD UNIT 1404 FAQs

What would the monthly payment be for 1520 GULF BOULEVARD UNIT 1404?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,364/mo — principal and interest, the actual property-tax bill, the $267/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 1520 GULF BOULEVARD UNIT 1404?+

The association fee works out to $267 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1520 GULF BOULEVARD UNIT 1404?+

The most recent tax bill on record (2024) was $6,911. 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 1520 GULF BOULEVARD UNIT 1404?+

The listing reports pets: Number Limit. 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 $929,000, this home is listed about 16% above the Clearwater Beach median of $799,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1520 GULF BOULEVARD UNIT 1404?+

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

$929,000 runs 67% above the CLEARWATER BEACH 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.

03Time on market is leverage

256 days on market against a Clearwater Beach median of 71 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $1,075,000, now $929,000 — a $146K cut. The full history is in the market section below.

Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Belinda Bishop. MLS #TB8450315.

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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