500 N OSCEOLA AVENUE UNIT 406, CLEARWATER, FL, 33755
Active151 days on marketListed Mar 12, 2026MLS #TB8479503
About this home
500 N OSCEOLA AVENUE UNIT 406
Rare 2 Bedroom 2 Bath Open Waterfront View at Harbor Bluffs Waterfront in downtown Clearwater. The balcony overlooks St. Joseph's Sound Intercoastal Waterway from the entire length of this spacious 4th floor unit from every room with floor to ceiling windows in both bedrooms and living room. Enjoy waterfront breezes while entertaining or watching wildlife, boaters and gorgeous sunsets. Harbor Bluffs is a gated waterfront condo building with 2 elevators, an interior courtyard, fitness center, pool, dock and clubhouse, all overlooking the Intercoastal. One designated storage room on the 1st floor also conveys as well as one covered parking space. There is also guest parking. Kitchen is well equipped with an electric Kenmore Elite range that offers 2 ovens for baking, as well as a convection setting. Privacy is at a premium with a split bedroom floor plan and 2 separate entrances to the unit. Primary bedroom boasts dual closets and an ensuite bathroom with a walk-in shower. This property is located near vibrant downtown, home to Ruth Eckerd’s Capital Theater and Coachman’s Park Sound Venue, both with worldwide top performers. Listen to entertainers perform from the Sound Venue FROM THE COMFORT AND PRICACY OF YOUR BALCONY! Downtown has many popular delectable restaurants, as well as fabulous shopping, the Clearwater library, several banks, Clearwater Court House, Clearwater downtown Marina, Seminole boat ramp and Clearwater Playhouse. All within a short walking distance from Harbor Bluffs Condominium. Famous Clearwater beach is just over the Clearwater Memorial Causeway, as well as the Clearwater Aquarium, home to Winter and also the popular Island Way Grill Restaurant. Enjoy walks on the beach, sunsets, entertainment and other famous restaurants on Clearwater beach. Only a short drive to Dunedin, Tarpon Springs, Tampa and St. Petersburgh. Experience a tranquil lifestyle at Harbor Bluff with excitement around every corner. New electrical panel 2023, HVAC 2023. LG Thin Q front loading washer and dryer convey with purchase. Some photos have been virtually staged.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,450
Sqft
0 ac
Lot size
1974
Year built
One
Levels
$361
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.
$5,411 /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
$5,411/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
−1.7%
$/sqft vs Clearwater actives
$361 vs $227
Days on market
151 vs 55 typical
Where $361/sqft sits among the 399 Clearwater 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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33755 — neighborhood snapshot
Population
28,057
Median age
41.3
Median income
$59,613
Median home value
$300,200
Avg household
2.46
Households w/ children
2,788
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 market
$328K → $312K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
226 of 399
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% above the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 500 N OSCEOLA AVENUE UNIT 406
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$244,000
500 N OSCEOLA AVENUE UNIT 811 · same community
2 bd · 2 ba · 1,450 sqft · $168/sqft · 113 DOM
Sold · Feb ’26$293,000
500 N OSCEOLA AVENUE UNIT 203 · same community
2 bd · 2 ba · 1,090 sqft · $269/sqft · 84 DOM
Sold · Aug ’26$360,000
500 N OSCEOLA AVENUE UNIT 303 · same community
2 bd · 2 ba · 1,090 sqft · $330/sqft · 0 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 500 N OSCEOLA AVENUE UNIT 406 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 500 N OSCEOLA AVENUE UNIT 406 — 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
500 N OSCEOLA AVENUE UNIT 406 FAQs
What would the monthly payment be for 500 N OSCEOLA AVENUE UNIT 406?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $5,411/mo — principal and interest, the actual property-tax bill, the $1,280/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 500 N OSCEOLA AVENUE UNIT 406?+
The association fee works out to $1,280 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 500 N OSCEOLA AVENUE UNIT 406?+
The most recent tax bill on record (2025) was $7,849. 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 500 N OSCEOLA AVENUE UNIT 406?+
The listing reports pets: Cats OK, Number Limit. 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?+
At $524,000, this home is listed about 91% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 500 N OSCEOLA AVENUE UNIT 406?+
Skycrest Elementary School (elementary), Clearwater High School (high), Dunedin Highland Middle School (middle) — 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
$524,000 runs 42% above the CLEARWATER 33755 median.
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 $1,280/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
151 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Skycrest Elementary School, Clearwater High School, Dunedin Highland Middle School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA PREMIERE REALTY · Anna Stamas. MLS #TB8479503.
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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