David Ramirez
$1,200,0003 bd2 ba1,760 sqft$682 /sqft$8,590 /mo all-in ↓

125 ISLAND WAY UNIT 503, CLEARWATER BEACH, FL, 33767

Active145 days on marketListed Mar 14, 2026MLS #TB8486420

WaterfrontCondominiumDOLPHIN HARBOUR CONDO

About this home

125 ISLAND WAY UNIT 503

Welcome to Dolphin Harbour Condos, a stunning newer construction waterfront community built in 2023, ideally located in the heart of Clearwater Beach along the highly sought-after Island Way corridor. Known for its laid-back coastal atmosphere and breathtaking water views, Dolphin Harbour offers the perfect blend of peaceful island living while remaining just minutes from the famous powder sugar sands of Clearwater Beach. Perched high on the 5th floor, this beautifully designed and never lived in 3 bedroom, 2 bathroom condo offers nearly 1,800 square feet of living space and incredible views of the Intracoastal Waterway. Dedicated under building parking and additional deeded on site parking are yours to enjoy. Step inside to a spacious open layout where wood-look tile flooring flows throughout the main living areas and natural light pours in through floor-to-ceiling impact sliding glass doors that frame the water views. The impressive kitchen is truly the heart of the home, featuring quartz countertops, barstool seating space, stainless steel appliances, abundant cabinetry with undercabinet lighting, and a large pantry for additional storage. The kitchen opens seamlessly to the living area, creating the perfect space for both everyday living and entertaining. The owner’s suite is a private retreat, complete with a large walk-in closet and floor-to-ceiling impact sliders that provide direct access to the balcony. The ensuite bathroom features dual sinks, an oversized seamless glass shower, and a private water closet. A split bedroom floorplan offers added privacy, with the guest bedrooms positioned near a full guest bathroom. A full interior laundry room with additional storage adds everyday convenience. Step outside onto the expansive 30-foot balcony overlooking the Intracoastal Waterway, the perfect place to relax with your morning coffee or unwind while watching boats pass by. Additional highlights include two reserved parking spaces, including one under the building for added convenience. Dolphin Harbour offers residents amenities including a heated pool and spa located waterside. Just minutes away, the vibrant beachfront district offers waterfront dining, boutique shopping, and entertainment centered around Pier 60, famous for its nightly sunset celebrations, street performers, and local artisans. The Publix shopping plaza is just across the street! Outdoor enthusiasts will appreciate easy access to boating, paddleboarding, fishing, and nearby natural destinations such as Sand Key Park and Caladesi Island State Park, both known for their pristine beaches and scenic nature trails. Island Way is also home to the renowned Clearwater Marine Aquarium, a beloved local attraction dedicated to marine life rescue and rehabilitation. Despite its relaxed coastal vibe, the area remains highly convenient with quick access to downtown Clearwater, grocery stores, shopping, and a wide variety of waterfront restaurants just moments from your doorstep. Whether enjoying sunset strolls along the beach, boating along the Intracoastal, or dining at nearby waterfront cafés, Dolphin Harbour offers a lifestyle that perfectly captures the charm and beauty of coastal living. Partial Seller Financing available. Schedule your showing today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,760

Sqft

0.04 ac

Lot size

2023

Year built

One

Levels

$682

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorOpen Floorplan · Primary Bedroom Main Floor · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofBuilt-Up
ConstructionBlock · Concrete · Stucco
FoundationConcrete Perimeter
ViewWater
FacesWest
ParkingAssigned · Covered · Under Building
ExteriorBalcony · Sliding Doors

Community & fees

Taxes (2025)$18,062/yr
PetsNumber Limit, Yes
CommunityIntracoastal Waterway · Water Access · Waterfront · Buyer Approval Required · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$8,590 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property tax — 2025 actual bill$1,505
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $120,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $120,000
Interest rate6.00%
Loan term

Estimated payment

$8,590/mo

Principal & interest$6,475
PMI (est., until 20% equity)$450
Property taxes (actual bill)$1,505
Est. insurance$160

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.

List $1.2M
$876KedgeAI estimate $1,039,195 · range $913K$1.1M$1.2M

vs edgeAI estimate

+15.5%

$/sqft vs Clearwater Beach actives

$682 vs $565

Days on market

145 vs 74 typical

Where $682/sqft sits among the 277 Clearwater Beach actives

68
83
46 · this home
21
25
34
$290–446$446–603$603–759$759–916$916–1073$1073+

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

Map of 125 ISLAND WAY UNIT 503 inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)33 min
Downtown Tampa37 min

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

ElementarySandy Lane Elementary School★★★★★
MiddleDunedin Highland Middle School★★★★
HighClearwater High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Clearwater Beach market

Seller’s marketLeans buyer8.1 months of inventoryBuyer’s market

$535K$905K

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 118% above the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →

Paper trail

This home's history

Mar 14, 2026Listed at $1,200,000 · 145 days on market since
2023Built · DOLPHIN HARBOUR CONDO

Reality check

What actually sold near 125 ISLAND WAY UNIT 503

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

125 ISLAND WAY UNIT 602Sold · Feb ’26

$1,025,000

125 ISLAND WAY UNIT 602 · same community

3 bd · 2 ba · 1,850 sqft · $554/sqft · 38 DOM

331 CLEVELAND STREET UNIT 1702Sold · Jul ’26

$890,000

331 CLEVELAND STREET UNIT 1702

2 bd · 2 ba · 1,765 sqft · $504/sqft · 28 DOM

331 CLEVELAND STREET UNIT 402Sold · Aug ’25

$660,000

331 CLEVELAND STREET UNIT 402

2 bd · 2 ba · 1,765 sqft · $374/sqft · 69 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 125 ISLAND WAY UNIT 503 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 125 ISLAND WAY UNIT 503 — 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.

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Goes straight to David’s phone and CRM.

Straight answers

125 ISLAND WAY UNIT 503 FAQs

What would the monthly payment be for 125 ISLAND WAY UNIT 503?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,590/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 125 ISLAND WAY UNIT 503?+

The most recent tax bill on record (2025) was $18,062. 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 125 ISLAND WAY UNIT 503?+

The listing reports pets: Number 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 $1,200,000, this home is listed about 50% 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 125 ISLAND WAY UNIT 503?+

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

$1,200,000 runs 118% above the CLEARWATER BEACH 33767 median — but at 1,760 sqft it's also 26% larger than 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.

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.

Listing courtesy of MAVREALTY · Stewart Devore. MLS #TB8486420.

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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