944 BRUCE AVENUE, CLEARWATER BEACH, FL, 33767
Active187 days on marketListed Jan 19, 2026MLS #TB8465912
About this home
944 BRUCE AVENUE
Exceptional opportunity to own a versatile, income-producing property in the heart of Clearwater Beach—just steps from the sand. Offered in the ~$969K–$989K range, this fully renovated residence encompasses approximately 2,125 sq ft and includes a spacious main home along with a private detached cottage, creating multiple avenues for short-term rental income, multi-generational living, or guest accommodations—with the added benefit of no HOA. The main home features two oversized primary suites, an open-concept living and dining area, and a bright Florida room designed for comfortable entertaining. The updated kitchen is equipped with modern appliances and a dedicated breakfast space, enhancing both functionality and appeal. Depending on configuration, the property can be marketed as a 3–4 bedroom, 4-bath residence, offering flexibility to suit both lifestyle and investment strategies. The detached cottage provides a fully separate living space with its own kitchen, bedroom, and bath—an exceptional value-add for maximizing rental income or accommodating extended stays. Outdoor living is equally compelling, with a private backyard retreat featuring a deck and hot tub, offering a relaxing escape after a day at the beach. Positioned in one of Florida’s most desirable coastal markets, this property presents a rare combination of lifestyle, flexibility, and income potential—ideal as a primary residence, second home, or strategic investment opportunity.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
2,125
Sqft
0.16 ac
Lot size
1932
Year built
One
Levels
$424
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.
$5,798 /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
$5,798/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.
$/sqft vs MANDALAY SUB
$424 vs $525
Days on market
187 vs 84 typical
Where $424/sqft sits among the 27 homes for sale in MANDALAY SUB
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)
15 of 27
MANDALAY SUB have cut their price
Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 62% 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 944 BRUCE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$625,000
737 BRUCE AVENUE · same community
3 bd · 2 ba · 1,942 sqft · $322/sqft · 56 DOM
Sold · Jul ’26$1,500,000
845 BAY ESPLANADE · same community
4 bd · 3 ba · 2,344 sqft · $640/sqft · 23 DOM
Sold · Nov ’25$1,100,000
864 MANDALAY AVENUE · same community
3 bd · 3 ba · 2,364 sqft · $465/sqft · 195 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 944 BRUCE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 944 BRUCE AVENUE — 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
944 BRUCE AVENUE FAQs
What would the monthly payment be for 944 BRUCE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,798/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 944 BRUCE AVENUE?+
The most recent tax bill on record (2024) was $5,325. 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 $899,990, this home is listed about 11% above the Clearwater Beach median of $808,600. The market section on this page shows how the area is trending.
Which schools are assigned to 944 BRUCE AVENUE?+
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
01Positioned at the premium end
$899,990 runs 62% above the CLEARWATER BEACH 33767 median — but at 2,125 sqft it's also 53% larger than the typical Clearwater Beach listing.
02Time on market is leverage
187 days on market against a Clearwater Beach median of 84 — 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 $989,000, now $899,990 — a $89K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HIGH POINT REALTY INC · David Kerr. MLS #TB8465912.
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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