1960 UNION STREET UNIT 28, CLEARWATER, FL, 33763
Active121 days on marketListed Mar 31, 2026MLS #TB8492216
About this home
1960 UNION STREET UNIT 28
Tucked away from the main road in the quiet, pet-friendly community of Oak Lake Park, this second-floor condominium offers both privacy and everyday convenience with no age restrictions. Fresh exterior paint and brand-new roofs were completed in 2024, giving the community a clean, updated feel and added peace of mind. This unit overlooks the sparkling community pool, just steps from your sliding glass doors. The kitchen features a pass-through window to the living area, creating an open, connected flow that’s ideal for entertaining. Wood laminate flooring runs throughout, offering a stylish look with easy maintenance. The living room opens to a screened lanai with relaxing poolside views, while a split floor plan provides added privacy between the generously sized bedrooms. The primary suite includes a walk-in shower, and the guest bathroom offers a tub/shower combination. An interior laundry and utility room adds everyday convenience and includes a water softener system. The monthly condo fee includes water, sewer, and trash. The unit includes one assigned parking space near the building along with ample guest parking. Residents also enjoy access to a scenic pond and dock, perfect for fishing or unwinding outdoors. Ideally located just minutes from downtown Dunedin, downtown Clearwater, shopping, and the Gulf beaches, this home offers exceptional convenience. Competitively priced to reflect current market conditions, this is a great opportunity for buyers seeking value in a desirable location. Schedule your private showing today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,049
Sqft
0.87 ac
Lot size
1979
Year built
One
Levels
$157
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.
$1,284 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,284/mo
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.
vs edgeAI estimate
+6.2%
$/sqft vs Clearwater actives
$157 vs $223
Days on market
121 vs 47 typical
Where $157/sqft sits among the 400 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 33763 — neighborhood snapshot
Population
21,278
Median age
53.8
Median income
$53,552
Median home value
$215,900
Avg household
2.12
Households w/ children
1,898
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
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
221 of 400
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1960 UNION STREET UNIT 28
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’25$284,900
1542 SHERWOOD STREET
2 bd · 1.5 ba · 1,040 sqft · $274/sqft · 35 DOM
Sold · Aug ’25$470,000
1227 ARDEN AVENUE
2 bd · 1.5 ba · 1,063 sqft · $442/sqft · 259 DOM
Sold · Aug ’25$370,000
1416 MURRAY AVENUE
3 bd · 1 ba · 1,068 sqft · $346/sqft · 71 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 1960 UNION STREET UNIT 28 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1960 UNION STREET UNIT 28 — 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
1960 UNION STREET UNIT 28 FAQs
What would the monthly payment be for 1960 UNION STREET UNIT 28?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,284/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 1960 UNION STREET UNIT 28?+
The most recent tax bill on record (2025) was $966. 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 1960 UNION STREET UNIT 28?+
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 $164,900, this home is listed about 40% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1960 UNION STREET UNIT 28?+
Dunedin High School (high), Leila Davis Elementary School (elementary), Safety Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Time on market is leverage
121 days on market against a Clearwater median of 47 — sellers in this position are usually ready to negotiate.
02Strong assigned schools
Dunedin High School, Leila Davis Elementary School, Safety Harbor Middle School — Leila Davis Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $170,000, now $164,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Tulio Zuloaga. MLS #TB8492216.
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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