
650 ISLAND WAY UNIT 206, CLEARWATER BEACH, FL, 33767
Active156 days on marketListed Feb 28, 2026MLS #TB8480168
About this home
650 ISLAND WAY UNIT 206
Here is your opportunity to buy into a luxury elevated waterfront unit for a can't miss price. High end building renovations are near completion and now is the time to act before values rebound. TAKE A LOOK AND MAKE YOUR BEST OFFER. SELLER IS MOTIVATED. Your endless vacation awaits you in this pristine 2nd floor condo at 650 Island Way, which has one of the highest elevations--14 feet--of all of Island Estates. Southwest water views are yours from the kitchen, living room, primary bedroom, and balcony where you will see Clearwater's famous sunsets and views of Clearwater Harbor. Your Beach living starts by entering through the storm and front doors to an entry where there is an updated kitchen to your left with granite counters, newer stainless steel appliances, and the new full-size stackable washer and dryer (2025). On the right is a pantry closet. Check out the pass-through to the Dining Area and Living Room, which leads to the tiled balcony from the sliders with an extra storage closet and room for an outdoor furniture set. The Master Bedroom has a walk-in closet, linen closet, sliders to the balcony, and an en-suite bathroom with a shower, shower seat and an updated vanity. There's plenty of room for your furniture in this large bedroom that has a beautiful water view. The Second Bedroom has a Jack and Jill bathroom with a new vanity and a recently installed glass shower door. Brand new 40 gallon commercial grade hot water heater with transferable warranty installed June, 2026. Boat slips are available for rent or purchase from time to time, and the Sellers have been renting one, which could become available to you! The pool is heated, has a TIKI hut area, a charcoal grill nearby, as well as kayak storage and a kayak launch. The Dock Rebuild Project, completed in 2024, consisted of a new seawall, dock, catwalk, pilings, electric, water, and lights. The sea wall was raised 12 inches, the dock was raised 12 inches, and the catwalks were raised 20 inches to meet the dock. Elevator modernization was completed in the fall of 2023. The docks are long-lasting WearDeck composite decking. There is a car wash area, dog walk area, and lush landscaping. Carport #43 plus one guest parking space are available with this condo. There is also guest parking. Construction is nearly completed for this building, but this unit did not have any hurricane damage. When the construction is complete, there will be all new Hardie Plank cement siding, all new outdoor lights, a new roof and facia, new Tiki hut, new carports, new mailboxes, and painting of the building will be completed soon. Seller has paid the assessments. By boat you are mere minutes to an array of waterfront restaurants, coveted Carlouel Yacht Club, Caladesi Island, and the Gulf waters. Boat up to the new Clearwater Sound and enjoy concerts from the water or anchor out at Three Rooker Island for an unbelievable day in the sun. Island Estates offers all the comforts with fine dining, night life, grocery shopping, and various small businesses. Your future home is just a short walk, drive, or Jolly Trolley ride away from world famous Clearwater Beach. Flip flops, sunscreen, and the good life are calling your name.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,218
Sqft
2.15 ac
Lot size
1988
Year built
One
Levels
$364
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.
$3,326 /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
$3,326/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
+1.3%
$/sqft vs Clearwater Beach actives
$364 vs $565
Days on market
156 vs 75 typical
Where $364/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)
121 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 20% 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 206
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 206 — 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 206 — 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 206 FAQs
What would the monthly payment be for 650 ISLAND WAY UNIT 206?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,326/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 650 ISLAND WAY UNIT 206?+
The most recent tax bill on record (2025) was $4,277. 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 206?+
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 $443,900, this home is listed about 44% 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 206?+
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
$443,900 is 20% below the CLEARWATER BEACH 33767 median of $552,500, and at $364/sqft it sits under the Clearwater Beach average of $670.
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
156 days on market against a Clearwater Beach median of 75 — 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 $478,500, now $443,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ACTION FIRST OF FLORIDA · Nan George. MLS #TB8480168.
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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