David Ramirez
$489,000$539,0002 bd2 ba1,350 sqft$362 /sqft$3,510 /mo all-in ↓

660 ISLAND WAY UNIT 202, CLEARWATER BEACH, FL, 33767

Active129 days on marketListed Mar 26, 2026MLS #TB8488372

Priced 12% below the CLEARWATER BEACH 33767 medianReduced $50KWaterfrontFully furnishedCondominiumDIAMOND ISLE CONDO

About this home

660 ISLAND WAY UNIT 202

Price significantly reduced due to the owner's relocation. BREATHTAKING, FULLY RENOVATED WATERFRONT CONDO IN ISLAND ESTATES! Welcome to a truly one-of-a-kind residence in the highly sought-after Diamond Isle community of Island Estates, where luxury, comfort, & coastal living come together seamlessly. This stunning, completely renovated condo has been thoughtfully redesigned with meticulous attention to every detail & showcases water views through expansive floor-to-ceiling windows in the great room & dining area. From the moment you enter, you’ll appreciate the custom open-concept layout, enhanced by elegant walnut engineered wood flooring throughout the condo except the guest bedroom & bathrooms. The spacious great room flows effortlessly into a chef-inspired kitchen featuring white wood cabinetry with soft-close doors & drawers, lazy Susan, pull-out shelving, granite countertops, & a striking iridescent pearl backsplash that extends into the dining area, a custom-built buffet, glass-front cabinets & under-cabinet lighting. A large breakfast bar comfortably seats four, great for entertaining. Premium stainless steel appliances, including a Samsung side-by-side refrigerator, 5-burner glass-top range, built-in microwave, & dishwasher, complete the space. A tray ceiling with crown molding & a dedicated office workspace add both style & functionality. The expansive primary suite offers a serene retreat with a beautifully updated en suite bath featuring wood cabinetry, granite countertops, & a tub with a clear glass shower enclosure, along with a large custom closet. The generously sized second bedroom with neutral Berber carpet can easily accommodate two queen beds & offers ample storage. A second full bathroom includes a walk-in shower with glass doors & matching high-end finishes and large tiles. Additional highlights include: • Hurricane impact windows throughout • Plantation shutters in bedrooms & blinds in living areas • Enlarged indoor laundry with full-size washer/dryer, & shelving • Walk-in pantry & additional storage • Commercial-size water heater with water softener plumbing • Brand new A/C system • Completed MIRS/SIRS inspections confirming the building is in excellent structural condition This unit is ideally positioned on the second floor of a 10-story building, offering the perfect balance of elevated views & convenient accessibility. RESORT-STYLE AMENITIES INCLUDE: • Waterfront heated pool • Tiki hut, BBQ grills, & picnic areas • Community boat dock & rentable boat slips (subject to availability) • Lighted tennis and pickleball courts • Fitness centers with locker rooms & sauna • Billiards room, ping pong, shuffleboard, & game rooms • Library, sitting room, & large banquet/event space with kitchen • Bike storage, kayak storage & an open & private storage areas. • Assigned covered parking (#47) • Pet-friendly (1 dog or cat up to 20 lbs.) Located just moments from the renowned Clearwater Marine Aquarium and the world-famous Clearwater Beach, you’ll enjoy easy access to pristine white sand beaches, breathtaking sunsets, & a vibrant coastal lifestyle. Island Estates itself offers a unique, self-contained environment where you can walk, bike, or take a trolley to restaurants, grocery stores, shops, banking, & more. Sold furnished (with select exclusions). This exceptional property is a rare opportunity to own a move-in-ready waterfront retreat in Clearwater Beach.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,350

Sqft

1.76 ac

Lot size

1976

Year built

One

Levels

$362

Per sqft

WaterfrontFurnishedPets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Elevator · Open Floorplan · Solid Wood Cabinets · Walk-In Closet(s)
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofBuilt-Up
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingAssigned · Circular Driveway · Guest
ExteriorLighting · Outdoor Shower · Sauna · Sidewalk · Storage · Tennis Court(s)

Community & fees

Taxes (2025)$3,061/yr
PetsCats OK, Dogs OK, Number Limit, Size Limit, Yes
CommunityBay/Harbor Front · Boat Slip · Dock · Intracoastal Waterway · Marina · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Phone Available · Public · Sewer Connected · Street Lights · Water Connected
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.

$3,510 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,879
FHA mortgage insurance (est.)$216
Property tax — 2025 actual bill$255
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,115Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,115
Interest rate6.00%
Loan term

Estimated payment

$3,510/mo

Principal & interest$2,879
FHA mortgage insurance (est.)$216
Property taxes (actual bill)$255
Est. insurance$160

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.

List $489K
$402KedgeAI estimate $485,961 · range $419K$522K$542K

vs edgeAI estimate

+0.6%

$/sqft vs Clearwater Beach actives

$362 vs $564

Days on market

129 vs 84 typical

Where $362/sqft sits among the 283 Clearwater Beach actives

73 · this home
82
45
24
24
35
$294–449$449–604$604–759$759–915$915–1070$1070+

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 660 ISLAND WAY UNIT 202 inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)35 min
Downtown Tampa38 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 buyer10.1 months of inventoryBuyer’s market

$535K$916K

Clearwater Beach median sold, yr/yr

93.9%

Sale-to-list ratio (12 mo)

121 of 283

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 12% below the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $489,000 $50K
Mar 26, 2026Listed at $539,000 · 129 days on market since
1976Built · DIAMOND ISLE CONDO

Reality check

What actually sold near 660 ISLAND WAY UNIT 202

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

660 ISLAND WAY UNIT 903Sold · May ’26

$290,000

660 ISLAND WAY UNIT 903 · same community

2 bd · 2 ba · 1,350 sqft · $215/sqft · 74 DOM

660 ISLAND WAY UNIT 703Sold · May ’26

$405,000

660 ISLAND WAY UNIT 703 · same community

2 bd · 2 ba · 1,350 sqft · $300/sqft · 280 DOM

660 ISLAND WAY UNIT 306Sold · Dec ’25

$380,000

660 ISLAND WAY UNIT 306 · same community

2 bd · 2 ba · 1,350 sqft · $281/sqft · 32 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 660 ISLAND WAY UNIT 202 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 660 ISLAND WAY UNIT 202 — 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.

Goes straight to David’s phone and CRM.

Straight answers

660 ISLAND WAY UNIT 202 FAQs

What would the monthly payment be for 660 ISLAND WAY UNIT 202?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,510/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 660 ISLAND WAY UNIT 202?+

The most recent tax bill on record (2025) was $3,061. 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 660 ISLAND WAY UNIT 202?+

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 $489,000, this home is listed about 40% below the Clearwater Beach median of $808,600. The market section on this page shows how the area is trending.

Which schools are assigned to 660 ISLAND WAY UNIT 202?+

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

Four things that matter here

01Under the CLEARWATER BEACH 33767 market on paper

$489,000 is 12% below the CLEARWATER BEACH 33767 median of $555,000, and at $362/sqft it sits under the Clearwater Beach average of $673.

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.

04The price has already moved

Listed at $539,000, now $489,000 — a $50K cut. The full history is in the market section below.

Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Tara Beheshti. MLS #TB8488372.

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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