610 ISLAND WAY UNIT 407, CLEARWATER BEACH, FL, 33767
Active117 days on marketListed Apr 9, 2026MLS #TB8495352
About this home
610 ISLAND WAY UNIT 407
Best Priced, waterfront, Clearwater Beach condo! Enjoy the ultimate Island Way lifestyle in this stunning 4th floor waterfront condo at 610 Island Way #407. This move in ready retreat offers breathtaking Intracoastal water views, daily dolphin sightings, and tropical birds right from your window.This meticulously updated residence features brand new Smart LG stainless steel kitchen appliances and a full size stackable LG washer/dryer with steam and wrinkle care. Total peace of mind comes with hurricane impact windows and sliders, re-piped plumbing, and professionally cleaned, encapsulated ductwork. Modern upgrades include fresh interior paint, new ceiling fans, bamboo blinds, updated tiled showers, and recessed kitchen lighting. Relax by the heated saltwater pool overlooking the Intracoastal water, perfect for watching both sunrises and sunsets. The building offers a quiet, private atmosphere with many seasonal owners, a screened entry door with open breezeways, reserved parking, and ample guest space. Boat slips are frequently available for rent or purchase. The condo fee is inclusive of water, trash, cable, Wi-Fi, grounds care, pool upkeep, and exterior insurance. The association boasts strong reserves for confident ownership. Best of all, you are just a short walk or bike ride away from world famous Clearwater Beach on the Gulf of Mexico!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
980
Sqft
0.5 ac
Lot size
1987
Year built
One
Levels
$408
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.
$3,095 /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
$3,095/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
−14.5%
$/sqft vs Clearwater Beach actives
$408 vs $565
Days on market
117 vs 73 typical
Where $408/sqft sits among the 282 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 → $905K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
122 of 282
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 27% below the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 610 ISLAND WAY UNIT 407
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$430,000
610 ISLAND WAY UNIT 302 · same community
2 bd · 2 ba · 980 sqft · $439/sqft · 0 DOM
Sold · Feb ’26$435,000
868 BAYWAY BOULEVARD UNIT 206
2 bd · 2 ba · 1,007 sqft · $432/sqft · 249 DOM
Sold · May ’26$500,000
868 BAYWAY BOULEVARD UNIT 210
2 bd · 2 ba · 1,007 sqft · $497/sqft · 17 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 610 ISLAND WAY UNIT 407 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 610 ISLAND WAY UNIT 407 — 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
610 ISLAND WAY UNIT 407 FAQs
What would the monthly payment be for 610 ISLAND WAY UNIT 407?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,095/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 610 ISLAND WAY UNIT 407?+
The most recent tax bill on record (2025) was $4,843. 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 610 ISLAND WAY UNIT 407?+
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 $399,900, this home is listed about 50% below the Clearwater Beach median of $799,000. The market section on this page shows how the area is trending.
Which schools are assigned to 610 ISLAND WAY UNIT 407?+
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
$399,900 is 27% below the CLEARWATER BEACH 33767 median of $550,000, and at $408/sqft it sits under the Clearwater Beach average of $669.
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 $549,900, now $399,900 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Michele Jones. MLS #TB8495352.
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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