650 ISLAND WAY UNIT 204, CLEARWATER BEACH, FL, 33767
Active180 days on marketListed Feb 5, 2026MLS #TB8471463
About this home
650 ISLAND WAY UNIT 204
Motivated Seller! Seller will review all offers ! Welcome home to this beautiful, water front, second floor condo that sits on one of the highest elevation points in Island Estates and is situated on the beautiful Clearwater intercoastal waters. Sit and relax on your private balcony and enjoy the beautiful sunsets while enjoying a glass of wine or your favorite beverage. Enjoy watching boats and sea life as they make their way by the relaxing community pool and tiki bar on the intercoastal waterway. Enjoy turnkey living with this completely furnished unit with updated hurricane rated sliding doors installed in 2024. Access is off both the primary bedroom and living room. Newer AC replaced in 2022. New water heater and refrigerator 2026. This unit was not impacted by any of the recent storms that came through the area. Have peace of mind knowing that this building has passed the recent Milestone inspection. Enjoy the many amenities of living in Island Estates including the Clearwater Marine Aquarium, Publix, several restaurants, park/playground, plus much more. Clearwater Beach is only a short drive/walk away, which was ranked one of the best Florida beaches, and has many nice restaurants and activities for your convenience. Schedule a showing today and own your own slice of paradise.great investment potential.No minimum years of ownership required to rent your unit. Some units rent for $2500-$3000 a month. Brand new hurricane impact windows installed August 2025.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,218
Sqft
2.15 ac
Lot size
1988
Year built
One
Levels
$349
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.
$4,334 /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
$4,334/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
+2.9%
$/sqft vs Clearwater Beach actives
$349 vs $565
Days on market
180 vs 73 typical
Where $349/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 → $905K
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 23% 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 650 ISLAND WAY 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 · Nov ’25$375,000
650 ISLAND WAY UNIT 405 · same community
2 bd · 2 ba · 1,218 sqft · $308/sqft · 0 DOM
Sold · Aug ’25$325,000
650 ISLAND WAY UNIT 408 · same community
2 bd · 2 ba · 1,355 sqft · $240/sqft · 65 DOM
Sold · Jun ’26$545,000
450 S GULFVIEW BOULEVARD UNIT 708
2 bd · 2 ba · 1,186 sqft · $460/sqft · 109 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 650 ISLAND WAY UNIT 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 650 ISLAND WAY 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
650 ISLAND WAY UNIT 204 FAQs
What would the monthly payment be for 650 ISLAND WAY UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,334/mo — principal and interest, the actual property-tax bill, the $1,246/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 650 ISLAND WAY UNIT 204?+
The association fee works out to $1,246 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 650 ISLAND WAY UNIT 204?+
The most recent tax bill on record (2024) was $2,861. 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 650 ISLAND WAY UNIT 204?+
The listing reports pets: Cats OK, Dogs OK. 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 $425,000, this home is listed about 47% 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 650 ISLAND WAY 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
$425,000 is 23% below the CLEARWATER BEACH 33767 median of $550,000, and at $349/sqft it sits under the Clearwater Beach average of $669.
02Know the monthly fee
The association fee is $1,246/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
180 days on market against a Clearwater Beach median of 73 — 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 $479,000, now $425,000 — a $54K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Bruce Beckner. MLS #TB8471463.
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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