430 PALM ISLAND SE, CLEARWATER BEACH, FL, 33767
Active146 days on marketListed Mar 12, 2026MLS #TB8484148
About this home
430 PALM ISLAND SE
Virtually Staged. Experience the ultimate waterfront lifestyle, where there's room for your boat, jet skis, and all the toys that make every day feel like a vacation. This beautifully updated, turnkey waterfront residence offers 2,780 square feet of thoughtfully designed living space with 4 spacious bedrooms and 3.5 bathrooms. A bright, open-concept floor plan creates the perfect setting for both everyday living and effortless entertaining. At the heart of the home is a chef-inspired kitchen featuring a brand-new Bosch gas range, refrigerator, and dishwasher (2025), a large center island with seating, and seamless flow into the living and dining areas. Extensive 2025 renovations have transformed the home, including a new metal roof, a thoughtfully designed room addition, solid wood triple crown molding, an expanded primary suite closet, an additional bedroom and bathroom, a welcoming new entryway, and a stylish coffee and wet bar. The luxurious primary suite has also been enhanced with a beautifully remodeled bathroom featuring a spacious walk-in shower with a newly added steam system for a spa-like experience. The expanded custom closet offers bright lighting, smart storage solutions, and an additional shoe closet with built-in racks to keep your wardrobe organized. New flooring throughout the home (excluding tiled areas) provides a fresh, modern feel, while a new Maytag gas washer and dryer add everyday convenience. Step outside to an exceptional waterfront outdoor living space designed for entertaining. The expansive patio features a built-in grill and bar, making it the perfect place to gather with family and friends after a day on the water. For boating enthusiasts, this property is exceptionally equipped with a dock rebuilt in 2020 with all new pilings, along with two boat lifts: a 16,000-pound lift (2020) and a 9,000-pound lift (2015), providing effortless access for multiple vessels and making sunset cruises, fishing trips, and days on the water easier than ever. Ideally located just minutes from the sugar-white sands of Clearwater Beach, this exceptional home offers the rare opportunity to enjoy luxury waterfront living with direct boating access while being close to one of Florida's most celebrated beach destinations. Furnishings are available for purchase, offering an easy move-in opportunity.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,780
Sqft
0.2 ac
Lot size
2
Garage
1968
Year built
One
Levels
$714
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.
$12,419 /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
$12,419/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
$714 vs $565
Days on market
146 vs 71 typical
Where $714/sqft sits among the 277 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)
119 of 277
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 257% 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 430 PALM ISLAND SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$2,395,000
223 PALM ISLAND SW · same community
4 bd · 3 ba · 3,297 sqft · $726/sqft · 8 DOM
Sold · Sep ’25$1,625,000
106 MIDWAY ISLAND
3 bd · 3.5 ba · 2,821 sqft · $576/sqft · 68 DOM
Sold · Oct ’25$1,300,000
74 WINDWARD ISLAND
3 bd · 2 ba · 2,563 sqft · $507/sqft · 43 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 430 PALM ISLAND SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 430 PALM ISLAND SE — 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
430 PALM ISLAND SE FAQs
What would the monthly payment be for 430 PALM ISLAND SE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,419/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 430 PALM ISLAND SE?+
The most recent tax bill on record (2025) was $9,713. 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 430 PALM ISLAND SE?+
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 Beach?+
At $1,984,000, this home is listed about 148% 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 430 PALM ISLAND SE?+
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
$1,984,000 runs 257% above the CLEARWATER BEACH 33767 median — but at 2,780 sqft it's also nearly twice the size of 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
146 days on market against a Clearwater Beach median of 71 — 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 $2,315,000, now $1,984,000 — a $331K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Lindsay Irwin. MLS #TB8484148.
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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