125 ISLAND WAY UNIT 304, CLEARWATER BEACH, FL, 33767
Active193 days on marketListed Jan 24, 2026MLS #TB8468545
About this home
125 ISLAND WAY UNIT 304
Virtually Staged. MOTIVATED SELLER, NOW IS THE TIME TO PURCHASE, BRING AN OFFER! Direct Intracoastal living in the heart of Clearwater's very prestigious, "Island Estates"! This home has it's own DOCK and is available for purchase, your option. This is where everyday life centers around the water, the beach, and the ability to get out and enjoy both at a moment’s notice. This never lived in, newer construction luxury residence, delivers a clean modern design, with an open layout that keeps the focus exactly where it should be—out toward the water, and the lifestyle that comes with it. The living space flows seamlessly from the kitchen through the main living area, and out to a private 30x10 foot balcony, creating a natural extension of indoor and outdoor living. The kitchen is finished with quartz countertops, high end stainless steel appliances, and a large island that anchors the space for both everyday use and gathering. Natural light carries throughout, and the overall feel is fresh, open, and easy to live in. The primary suite is positioned for privacy with a spacious layout, walk-in closet, and a well-designed bath that keeps everything simple and functional. Secondary bedrooms are thoughtfully separated, giving flexibility for guests, a home office, or additional living space depending on how you use the home. What truly sets this opportunity apart is the ability to pair the residence with private dock access, again available separately. For buyers focused on boating, this is where the value shifts—direct water access, the ability to be out on the Intracoastal in minutes, and quick access to the open Gulf. It’s the piece that turns this impeccable home into a complete waterfront lifestyle. Located right by Clearwater Beach, dining, shopping, and everything Island Estates is known for, this is a low-maintenance way to step directly into one of the most sought-after coastal areas in Tampa Bay. If you’ve been watching this building or waiting for the right unit to line up with how you actually want to live, this is the one to take a serious look at, everything you need is close by, it’s the kind of place where you can go from a normal morning, to being on the water or at the beach in minutes.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,850
Sqft
1.55 ac
Lot size
1
Garage
2023
Year built
One
Levels
$511
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.
$6,892 /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
$6,892/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
−15.2%
$/sqft vs Clearwater Beach actives
$511 vs $569
Days on market
193 vs 74 typical
Where $511/sqft sits among the 277 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 → $905K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
118 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 70% 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 125 ISLAND WAY UNIT 304
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$1,025,000
125 ISLAND WAY UNIT 602 · same community
3 bd · 2 ba · 1,850 sqft · $554/sqft · 38 DOM
Sold · Oct ’25$530,000
628 CLEVELAND STREET UNIT 711
3 bd · 2 ba · 1,856 sqft · $286/sqft · 111 DOM
Sold · Jul ’26$890,000
331 CLEVELAND STREET UNIT 1702
2 bd · 2 ba · 1,765 sqft · $504/sqft · 28 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 125 ISLAND WAY UNIT 304 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 125 ISLAND WAY UNIT 304 — 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
125 ISLAND WAY UNIT 304 FAQs
What would the monthly payment be for 125 ISLAND WAY UNIT 304?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,892/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 125 ISLAND WAY UNIT 304?+
The most recent tax bill on record (2024) was $15,344. 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 125 ISLAND WAY UNIT 304?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $944,900, this home is listed about 18% 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 125 ISLAND WAY UNIT 304?+
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
01Positioned at the premium end
$944,900 runs 70% above the CLEARWATER BEACH 33767 median — but at 1,850 sqft it's also 33% larger than the typical Clearwater Beach listing.
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
193 days on market against a Clearwater Beach median of 74 — 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 $949,900, now $944,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Robb Clark. MLS #TB8468545.
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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