
31 ISLAND WAY UNIT 409, CLEARWATER BEACH, FL, 33767
Active252 days on marketListed Nov 25, 2025MLS #TB8451462
About this home
31 ISLAND WAY UNIT 409
Location and views at their best from this beautifully updated unit and pool area. Experience effortless island living in this spacious 1,295 sq. ft. 2-bedroom, 2-bath residence located on Island Estates. Newly renovated with an open-concept floor plan, this home features all new windows, a new kitchen with updated appliances, wood flooring and moldings throughout, renovated bathrooms, and fresh paint. Breathtaking panoramic views of Clearwater Beach create the perfect backdrop, while large windows fill the home with natural sunlight and showcase sweeping water vistas and stunning sunsets. Both bedrooms offer generous space and serene water views. Life at Horizon House is truly worry-free. This co-op condo's monthly fee covers nearly everything, including electricity, water, sewer, trash, high-speed internet, cable, pest control, A/C maintenance and repair, water heater service, and building upkeep. The community is impeccably managed with a full-time onsite manager, weekday building attendant, secure entry, and well-funded reserves. This amenity-rich community offers something for everyone, including a geothermal heated pool that is cooled in the summer and warmed in the winter, a fishing pier with a cleaning station, boat slips available on a first-come, first-served basis, grilling stations, bike storage, a recreation room with kitchen, shuffleboard, a modern fitness center, complimentary laundry rooms on every floor, and private storage closets for each unit. Residents also enjoy an updated lobby with comfortable seating, a secure package room, and a spacious multi-purpose meeting room. A variety of clubs, social activities, and volunteer committees foster a warm and active community atmosphere. Additional conveniences include abundant open parking, optional covered or garage parking, and easy access to Island Way Grill and Publix directly across the street. You'll love being just minutes from Pier 60, world-class dining and entertainment, and close to Clearwater Marine Aquarium and the Jolley Trolley line. Conveniently located near both Tampa International Airport and S.t Pete-Clearwater International Airport. Ask about seller financing for qualified buyers.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,295
Sqft
2.81 ac
Lot size
1962
Year built
One
Levels
$285
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.
$2,911 /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
$2,911/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
−13%
$/sqft vs HORIZON HOUSE CO-OP
$285 vs $271
Days on market
252 vs 75 typical
Where $285/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)
2 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 33% 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 409
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 409 — 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 409 — 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 409 FAQs
What would the monthly payment be for 31 ISLAND WAY UNIT 409?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,911/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 31 ISLAND WAY UNIT 409?+
The most recent tax bill on record (2024) was $4,990. 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 Beach?+
At $369,000, this home is listed about 54% 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 409?+
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
Four things that matter here
01Under the CLEARWATER BEACH 33767 market on paper
$369,000 is 33% below the CLEARWATER BEACH 33767 median of $550,000, and at $285/sqft it sits under the Clearwater Beach average of $670.
02Time on market is leverage
252 days on market against a Clearwater Beach median of 75 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $445,000, now $369,000 — a $76K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Lindsay Irwin. MLS #TB8451462.
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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