348 LARBOARD WAY, CLEARWATER BEACH, FL, 33767
Active136 days on marketListed Mar 10, 2026MLS #TB8482031
About this home
348 LARBOARD WAY
**Experience refined coastal living in this elegant, architecturally rich townhouse on Island Estates.** From the moment you enter, soaring ceilings, custom lighting, rich espresso hardwood floors, crown molding, and stately pillars create a striking first impression. The open-concept layout centers around a chef’s kitchen featuring custom cabinetry, stainless steel appliances, a glass tile backsplash, and granite countertops. The spacious great room showcases beautiful architectural details and dramatic floor-to-ceiling retractable sliders that open to a private travertine courtyard and screened in private pool. The newer pool features LED lighting, and the courtyard offers plenty of room for outdoor furniture, dining, and relaxation. Upstairs, the primary suite is a true retreat with two walk-in closets, hardwood floors, and a private balcony showcasing tranquil water views and sunsets. The ensuite bath includes a Jacuzzi soaking tub, a large walk-in shower, elegant cabinetry, granite counters, and abundant storage. Two additional generously sized bedrooms share a beautifully finished Jack-and-Jill bath, and the laundry room is conveniently located on this level. Additional highlights include an oversized two-car garage ideal for kayaks, motorcycles, and water toys. This pet-friendly community (with breed restrictions) provides lawn service, grounds maintenance, and exterior care. Residents also enjoy access to community fishing deck. While this property does not have a boat slip, there is a private marina available nearby. Located less than a mile from Clearwater’s world-famous sugar-sand beaches, Island Estates offers unmatched convenience with Publix, dining, banking, a post office, and fuel all within the neighborhood.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,998
Sqft
0.07 ac
Lot size
2
Garage
1998
Year built
Two
Levels
$427
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.
$9,006 /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
$9,006/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.
$/sqft vs Clearwater Beach actives
$427 vs $571
Days on market
136 vs 84 typical
Where $427/sqft sits among the 285 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 → $916K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
129 of 285
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 130% 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 348 LARBOARD WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,450,000
331 CLEVELAND STREET UNIT 1204
3 bd · 2.5 ba · 2,425 sqft · $598/sqft · 12 DOM
Sold · Jun ’26$1,695,000
331 CLEVELAND STREET UNIT 1504
3 bd · 2.5 ba · 2,425 sqft · $699/sqft · 1 DOM
Sold · Jul ’26$1,070,000
620 BAYWAY BOULEVARD
3 bd · 3 ba · 2,269 sqft · $472/sqft · 119 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 348 LARBOARD WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 348 LARBOARD WAY — 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
348 LARBOARD WAY FAQs
What would the monthly payment be for 348 LARBOARD WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,006/mo — principal and interest, the actual property-tax bill, the $175/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 348 LARBOARD WAY?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 348 LARBOARD WAY?+
The most recent tax bill on record (2025) was $15,484. 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 348 LARBOARD WAY?+
The listing reports pets: Breed Restrictions, 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 $1,279,000, this home is listed about 58% above the Clearwater Beach median of $808,600. The market section on this page shows how the area is trending.
Which schools are assigned to 348 LARBOARD WAY?+
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
Three things that matter here
01Positioned at the premium end
$1,279,000 runs 130% above the CLEARWATER BEACH 33767 median — but at 2,998 sqft it's also nearly twice the size of the typical Clearwater Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Michelle Chenault. MLS #TB8482031.
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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