650 ISLAND WAY UNIT 202, CLEARWATER BEACH, FL, 33767
Active97 days on marketListed Apr 30, 2026MLS #TB8502064
About this home
650 ISLAND WAY UNIT 202
Live the island life you have always envisioned in this waterfront condominium located in the coveted community of Island Estates. This second floor condo is perfectly situated, showcasing sweeping southwest open water views across the Mandalay Channel towards Clearwater Beach. The over-sized 23 foot balcony is perfect for enjoying the world-famous sunsets and gentle gulf breezes. The home has been outfitted with newer impact resistance sliders and windows in the living room and primary suite, second bedroom and kitchen, providing both peace of mind and beautiful sight lines, connecting the spectacular outdoor views with the living space. As you enter, you are immediately drawn towards the centerpiece panoramic water views and natural light that pour in. The primary suite is generously sized, offering water views, balcony access and an en-suite bathroom and walk in closet. The second bedroom also provides access to second full bathroom off of the main entryway. The kitchen footprint is functional and open, with plenty of space and connection the living area and water views. This breathtaking canvas is simply awaiting your personal touches and updates. The community offers resort style amenities including a heated pool and BBQ station, tiki hut area and an assigned covered parking space. The Island Esates community is a peaceful paradise, with shopping, restaurants, the Clearwater Marine Aquarium and more right on the island for easy living and convenience, while just a short walk or bike ride to vibrant Clearwater Beach's famous shore line, Pier 60 and endless dining and entertainment options. Location also provides ease of access to both Tampa and St. Pete-Clearwater Airport and all that the Tampa Bay region has to offer.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,188
Sqft
2.14 ac
Lot size
1988
Year built
One
Levels
$353
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 and the real association fee — not generic estimates.
$4,766 /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
$4,766/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
−8.9%
$/sqft vs Clearwater Beach actives
$353 vs $569
Days on market
97 vs 71 typical
Where $353/sqft sits among the 277 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 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 24% 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 650 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.
Sold · Nov ’25$375,000
650 ISLAND WAY UNIT 405 · same community
2 bd · 2 ba · 1,218 sqft · $308/sqft · 0 DOM
Sold · Aug ’25$325,000
650 ISLAND WAY UNIT 408 · same community
2 bd · 2 ba · 1,355 sqft · $240/sqft · 65 DOM
Sold · Jun ’26$545,000
450 S GULFVIEW BOULEVARD UNIT 708
2 bd · 2 ba · 1,186 sqft · $460/sqft · 109 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 650 ISLAND WAY UNIT 202 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 650 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.
Straight answers
650 ISLAND WAY UNIT 202 FAQs
What would the monthly payment be for 650 ISLAND WAY UNIT 202?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,766/mo — principal and interest, the actual property-tax bill, the $1,245/mo association fee 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.
How much are the HOA fees at 650 ISLAND WAY UNIT 202?+
The association fee works out to $1,245 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 650 ISLAND WAY UNIT 202?+
The most recent tax bill on record (2025) was $8,445. 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 650 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 $419,900, this home is listed about 47% 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 650 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
Five things that matter here
01Under the CLEARWATER BEACH 33767 market on paper
$419,900 is 24% below the CLEARWATER BEACH 33767 median of $555,000, and at $353/sqft it sits under the Clearwater Beach average of $670.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,245/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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.
05The price has already moved
Listed at $437,500, now $419,900 — a $18K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DELTA REALTY INTERNATIONAL INC · Dean Andreson. MLS #TB8502064.
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.
Never miss a listing
New Clearwater Beach homes, in your inbox
Like 650 ISLAND WAY UNIT 202 but not quite? A daily digest of every new listing in Clearwater Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →