670 ISLAND WAY UNIT 304, CLEARWATER BEACH, FL, 33767
Active177 days on marketListed Feb 13, 2026MLS #TB8472962
About this home
670 ISLAND WAY UNIT 304
Sellers Motivated and Priced to Sell! Now offered at $865,000 following a $70,000 price improvement, this is one of the best waterfront values on Island Estates. Buy with confidence—Sunwatch has successfully completed its Milestone Inspection and Structural Integrity Reserve Study, with a new roof and exterior painting completed in 2024, providing peace of mind for years to come. This spacious waterfront residence has already been refreshed with fresh interior paint, new luxury vinyl flooring, and new baseboards. The kitchen and bathrooms remain original, giving you the opportunity to renovate to your personal style while building instant equity instead of paying for someone else's finishes. Enjoy spectacular water views, secure under-building parking, marina access, two swimming pools, heated spa, fitness center, tennis and pickleball courts, clubhouse, guest suites, and resort-style amenities—all just minutes from Clearwater Beach, Publix, restaurants, shopping, and the Jolley Trolley. The seller is motivated and welcomes offers. Opportunities like this—with completed structural inspections, major building improvements, and exceptional pricing—are becoming increasingly difficult to find.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,142
Sqft
0 ac
Lot size
1997
Year built
One
Levels
$404
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.
$5,152 /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
$5,945/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−45.3%
$/sqft vs Clearwater Beach actives
$404 vs $571
Days on market
177 vs 67 typical
Where $404/sqft sits among the 276 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 → $885K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
120 of 276
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 57% 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 670 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 · Dec ’25$875,000
670 ISLAND WAY UNIT 604 · same community
3 bd · 2.5 ba · 2,142 sqft · $408/sqft · 7 DOM
Sold · Jul ’26$740,000
670 ISLAND WAY UNIT 207 · same community
3 bd · 2.5 ba · 1,854 sqft · $399/sqft · 5 DOM
Sold · Nov ’25$1,125,000
130 BRIGHTWATER DRIVE UNIT 5
3 bd · 3 ba · 2,251 sqft · $500/sqft · 232 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 670 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 670 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
670 ISLAND WAY UNIT 304 FAQs
What would the monthly payment be for 670 ISLAND WAY UNIT 304?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,152/mo — principal and interest, estimated property taxes 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 670 ISLAND WAY UNIT 304?+
The most recent tax bill on record (2025) was $0. 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 670 ISLAND WAY UNIT 304?+
The listing reports pets: Cats OK, Dogs OK, 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 $865,000, this home is listed about 8% 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 670 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
$865,000 runs 57% above the CLEARWATER BEACH 33767 median — but at 2,142 sqft it's also 54% 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
177 days on market against a Clearwater Beach median of 67 — 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 $975,000, now $865,000 — a $110K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SILVER ROOTS REAL ESTATE GROUP · Sandra Ceballos. MLS #TB8472962.
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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