920 N OSCEOLA AVENUE UNIT 604, CLEARWATER, FL, 33755
Active156 days on marketListed Mar 9, 2026MLS #TB8483894
About this home
920 N OSCEOLA AVENUE UNIT 604
Sellers will assist with 6 months of HOA dues. Spectacular waterfront living awaits at Marina Bay. This designer-appointed residence offers sweeping views of Clearwater Bay from an expansive private balcony—one of only two of its kind in the building—creating a rare opportunity to enjoy elevated coastal living with minimal direct sun exposure for comfortable year-round enjoyment. Built in 2021, this beautifully upgraded 2,003-square-foot home features two bedrooms, two baths, and a versatile den ideal for an office or guest space. Elegant finishes include upgraded tile flooring, crown molding, new carpet (2024–2025), custom closets, and commode cabinetry. The chef’s kitchen is thoughtfully designed with all-wood cabinetry, quartz countertops, stainless steel appliances, a reverse osmosis water system, and water softener. The serene primary suite offers professionally designed closets, electric blinds, and a spa-like bath with a walk-in shower. Electric blinds are also featured in the guest bedroom for added comfort and convenience. Hurricane-impact windows provide peace of mind, while recent mechanical upgrades include a new air conditioner (2024–2025) and an upgraded water heater with a safety shutoff device. Accessible from the living room and both bedrooms, the extended balcony creates a seamless indoor-outdoor living experience perfect for enjoying breathtaking sunsets over the water. Residents of Marina Bay enjoy a true resort lifestyle with 24/7 concierge service, a 25-meter saltwater lap pool, fitness center, sauna and steam rooms, billiards room, and putting green. The adjacent marina offers 69 slips (47 with lifts) with priority leasing opportunities for residents. Located just minutes from Clearwater’s world-famous beaches and vibrant downtown, this exceptional residence offers luxury, comfort, and convenience in one of the area’s most desirable waterfront communities. Furnishings may be negotiated separately.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
2,003
Sqft
0.04 ac
Lot size
2
Garage
2021
Year built
One
Levels
$424
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.
$7,975 /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
$7,975/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.
vs edgeAI estimate
−0.4%
$/sqft vs Clearwater actives
$424 vs $226
Days on market
156 vs 55 typical
Where $424/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 → $333K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
230 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 136% above the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 920 N OSCEOLA AVENUE UNIT 604
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$825,000
920 N OSCEOLA AVENUE UNIT 507 · same community
2 bd · 2 ba · 1,883 sqft · $438/sqft · 201 DOM
Sold · Feb ’26$825,000
920 N OSCEOLA AVENUE UNIT 402 · same community
2 bd · 2 ba · 1,800 sqft · $458/sqft · 0 DOM
Sold · Nov ’25$395,000
658 SIREN WIND LANE
2 bd · 2.5 ba · 1,942 sqft · $203/sqft · 168 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 920 N OSCEOLA AVENUE UNIT 604 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 920 N OSCEOLA AVENUE UNIT 604 — 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
920 N OSCEOLA AVENUE UNIT 604 FAQs
What would the monthly payment be for 920 N OSCEOLA AVENUE UNIT 604?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,975/mo — principal and interest, the actual property-tax bill, the $1,782/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 920 N OSCEOLA AVENUE UNIT 604?+
The association fee works out to $1,782 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 920 N OSCEOLA AVENUE UNIT 604?+
The most recent tax bill on record (2025) was $13,536. 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 920 N OSCEOLA AVENUE UNIT 604?+
The listing reports pets: 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?+
At $850,000, this home is listed about 209% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 920 N OSCEOLA AVENUE UNIT 604?+
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
$850,000 runs 136% above the CLEARWATER 33755 median — but at 2,003 sqft it's also 59% larger than the typical Clearwater listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $1,782/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
156 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 FUTURE HOME REALTY INC · Lynn Weltjen. MLS #TB8483894.
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.
Never miss a listing
New Clearwater homes, in your inbox
Like 920 N OSCEOLA AVENUE UNIT 604 but not quite? A daily digest of every new listing in Clearwater — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →