673 BAY ESPLANADE UNIT 204, CLEARWATER BEACH, FL, 33767
Active195 days on marketListed Jan 15, 2026MLS #TB8464680
About this home
673 BAY ESPLANADE UNIT 204
Exceptional Waterfront Investment Opportunity at Five Palms Mini Resort — Including Deeded Boat Slip & Lift (Slip #13)! Own your slice of paradise on Clearwater Beach with this beautifully furnished 2nd-floor pool-view suite, deeded with its own private boat slip and lift, a rare and highly valuable feature. Ideally positioned just steps from the Intracoastal Waterway, Suite 204 offers relaxing water views from the front porch and a warm, inviting interior designed for comfort and repeat guest appeal. This condo features a fully equipped kitchen with full-size appliances, tropical furnishings, and a king-size bed, creating a true “home away from home” experience for both owners and guests. An on-site rental management office, open seven days a week, professionally handles short-term rentals, guest services, and bookings, with many repeat visitors returning year after year. Resort-style amenities include a heated pool surrounded by lush tropical landscaping, a newly completed community dock ideal for dolphin and manatee watching, BBQ grilling areas, mini-golf, shuffleboard, and an impressive selection of complimentary amenities including bikes, kayaks, beach chairs, and fishing gear. Five Palms has completed numerous capital improvements in recent years, including the roof, windows, sliders, siding, exterior painting, and blacktop, with additional updates planned. Each unit includes one assigned parking space, with limited street parking available for additional vehicles. Located on the desirable north end of Clearwater Beach, Five Palms is just a short walk to the beach, Pier 60, restaurants, shopping, and daily activities—yet remains tucked away as a true hidden gem. The property is also conveniently located approximately 30 minutes from Tampa International Airport (TPA) and 20 minutes from St. Pete–Clearwater International Airport (PIE), making travel easy for owners and guests alike. Out of respect for current rental guests and to maintain privacy, showings require a minimum of 48 hours’ notice when the unit is occupied. Schedule your private showing today and experience the exceptional lifestyle and investment potential Five Palms has to offer.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
337
Sqft
0.43 ac
Lot size
1951
Year built
One
Levels
$950
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.
$3,139 /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
$3,139/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.
$/sqft vs Clearwater Beach actives
$950 vs $565
Days on market
195 vs 84 typical
Where $950/sqft sits among the 283 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 Clearwater Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater Beach. See the full Clearwater Beach guide →
Clearwater Beach — neighborhood snapshot
Population
2,289
Median age
58
Median income
$87,434
Median home value
$801,867
Avg household
2
Households w/ children
104
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)
124 of 283
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 42% 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 673 BAY ESPLANADE UNIT 204
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$293,000
673 BAY ESPLANADE UNIT 206 · same community
1 bd · 1 ba · 337 sqft · $869/sqft · 147 DOM
Sold · Jun ’26$310,000
445 S GULFVIEW BOULEVARD UNIT 113
1 bd · 1 ba · 366 sqft · $847/sqft · 126 DOM
Sold · Apr ’26$322,000
445 S GULFVIEW BOULEVARD UNIT 412
1 bd · 1 ba · 369 sqft · $873/sqft · 135 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 673 BAY ESPLANADE UNIT 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 673 BAY ESPLANADE UNIT 204 — 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
673 BAY ESPLANADE UNIT 204 FAQs
What would the monthly payment be for 673 BAY ESPLANADE UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,139/mo — principal and interest, the actual property-tax bill, the $577/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 673 BAY ESPLANADE UNIT 204?+
The association fee works out to $577 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 673 BAY ESPLANADE UNIT 204?+
The most recent tax bill on record (2024) was $4,516. 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 673 BAY ESPLANADE UNIT 204?+
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 $320,000, this home is listed about 60% 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 673 BAY ESPLANADE UNIT 204?+
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
$320,000 is 42% below the CLEARWATER BEACH 33767 median of $550,000.
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 $577/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
195 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 COASTAL PROPERTIES GROUP · Jill Helgren. MLS #TB8464680.
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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