121 ISLAND WAY UNIT 323, CLEARWATER BEACH, FL, 33767
Active106 days on marketListed Apr 21, 2026MLS #TB8495566
About this home
121 ISLAND WAY UNIT 323
Your Clearwater Beach Story Starts Here! Welcome to 121 Island Way, Unit 323, where every day feels like you’re on vacation. This fully updated 2 bedroom, 2 bathroom coastal retreat sits in the heart of Clearwater Beach’s beloved Island Estates community, placing sun soaked adventure, peaceful mornings and effortless living right at your doorstep. Step inside and feel the warmth of a home designed for comfort and style. The open living, kitchen and dining areas are wrapped in rich wood flooring that gives the space a clean, modern flow. Natural light pours in, setting the perfect scene for slow morning coffees, easy evenings and everything in between. Both bedrooms with Queen size beds and soft, plush carpet underfoot and a sense of calm that feels tailor made for recharging after beach days. Each bathroom has been beautifully remodeled with grey tile, fresh modern finishes and subtle beach inspired decor that ties your coastal sanctuary together. The home is offered furnished and move in ready today. Thoughtful pieces, coastal accents and a breezy aesthetic let you simply unpack and start living. And the location is the true exclamation point. Step outside and you are just a short walk from award winning Clearwater Beach, where sugar sand beaches, turquoise water and endless activities become part of your daily rhythm. Your photos say it all: boating, paddleboarding, dining on the marina, breathtaking sunsets, dolphin sightings and vibrant beach energy are all here waiting for you. Available April through December, this is the perfect eight month escape whether you want a seasonal home, an extended coastal getaway or a place to work remotely while living like you’re on permanent vacation. Live the Clearwater Beach lifestyle. Live where every day feels like a story worth telling.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,090
Sqft
1.97 ac
Lot size
1972
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$181 /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
$181/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$3 vs $569
Days on market
106 vs 71 typical
Where $3/sqft sits among the 278 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 278
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 99% 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 121 ISLAND WAY UNIT 323
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$284,000
105 ISLAND WAY UNIT 147 · same community
2 bd · 2 ba · 1,090 sqft · $261/sqft · 5 DOM
Sold · Sep ’25$335,000
628 CLEVELAND STREET UNIT 1208
1 bd · 2 ba · 1,094 sqft · $306/sqft · 123 DOM
Sold · Feb ’26$437,500
865 S GULFVIEW BOULEVARD UNIT 312
2 bd · 2 ba · 1,074 sqft · $407/sqft · 92 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 121 ISLAND WAY UNIT 323 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 121 ISLAND WAY UNIT 323 — 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
121 ISLAND WAY UNIT 323 FAQs
What would the monthly payment be for 121 ISLAND WAY UNIT 323?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 121 ISLAND WAY UNIT 323?+
The listing reports pets: No. 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 $2,950, this home is listed about 100% 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 121 ISLAND WAY UNIT 323?+
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
$2,950 is 99% below the CLEARWATER BEACH 33767 median of $555,000, and at $3/sqft it sits under the Clearwater Beach average of $671.
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 $3,300, now $2,950 — a $350 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LAUREN MICHAELS R.E. PARTNERS · Tiffany Novitsky. MLS #TB8495566.
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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