644 ISLAND WAY UNIT 101, CLEARWATER BEACH, FL, 33767
Active208 days on marketListed Jan 7, 2026MLS #TB8461679
About this home
644 ISLAND WAY UNIT 101
This waterfront condominium is a MUST-SEE!!! Located at 644 Island Way in the highly sought-after Island Estates community, this beautifully updated first-floor residence offers sweeping open-water views and stunning western sunsets. Upon entering, you’re immediately drawn to the light-filled interior and panoramic water views, visible from every room—perfect for watching dolphins, manatees, passing boats, and nightly sunsets. The home has been completely redesigned with an open-concept layout that seamlessly connects the kitchen, dining, and living areas, making it ideal for both everyday living and entertaining. The custom eat-in kitchen features high-end appliances, soft-close cabinetry, quartz countertops with a matching backsplash, and a stylish dry bar with wine refrigerator. A stackable full-size washer and dryer add everyday convenience. The oversized primary bedroom includes a custom ensuite with a walk-in shower and a spacious walk-in closet. The guest bedroom is generously sized, offers beautiful water views, and is complemented by a tastefully updated guest bathroom just across the hall. Luxury vinyl flooring runs throughout the home, with hand-selected polished stone in the primary ensuite. Electric hurricane shutters provide added peace of mind. (Washer & Dryer 2026 / AC 2025 / Water Heater 2025.) Community RESORT STYLE amenities include a heated pool, BBQ area, secured lobby, assigned parking (Space #32 in front of the building entrance), marina with BOAT SLIPS CURRENTLY AVAILABLE FOR LEASE, kayak storage, and bicycle storage. Ideally located in the heart of Clearwater Beach, this home is just a short walk to Pier 60, award-winning restaurants, boutique shopping, and the world-famous sugar-sand beaches. Convenient access to hospitals, medical centers, and both Tampa and St. Pete–Clearwater airports completes the package. Call today and begin living the Florida lifestyle tomorrow! (BOAT SLIP $175 MONTH)
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,335
Sqft
1.53 ac
Lot size
1972
Year built
One
Levels
$447
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.
$4,842 /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
$4,842/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
+3.2%
$/sqft vs Clearwater Beach actives
$447 vs $565
Days on market
208 vs 84 typical
Where $447/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)
122 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 7% above the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 644 ISLAND WAY UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$390,000
644 ISLAND WAY UNIT 702 · same community
2 bd · 2 ba · 1,335 sqft · $292/sqft · 20 DOM
Sold · Mar ’26$230,000
644 ISLAND WAY UNIT 206 · same community
2 bd · 2 ba · 1,335 sqft · $172/sqft · 372 DOM
Sold · Sep ’25$600,000
640 BAYWAY BOULEVARD UNIT 302
2 bd · 2 ba · 1,348 sqft · $445/sqft · 56 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 644 ISLAND WAY UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 644 ISLAND WAY UNIT 101 — 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
644 ISLAND WAY UNIT 101 FAQs
What would the monthly payment be for 644 ISLAND WAY UNIT 101?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,842/mo — principal and interest, the actual property-tax bill, the $845/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 644 ISLAND WAY UNIT 101?+
The association fee works out to $845 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 644 ISLAND WAY UNIT 101?+
The most recent tax bill on record (2024) was $4,739. 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 644 ISLAND WAY UNIT 101?+
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 $596,500, this home is listed about 26% 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 644 ISLAND WAY UNIT 101?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Know the monthly fee
The association fee is $845/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
208 days on market against a Clearwater Beach median of 84 — 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 $599,000, now $596,500 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SAND KEY REALTY · John Guyton. MLS #TB8461679.
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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