400 LARBOARD WAY UNIT 103, CLEARWATER BEACH, FL, 33767
Active92 days on marketListed May 4, 2026MLS #TB8504689
About this home
400 LARBOARD WAY UNIT 103
This waterfront condo on Island Estates offers a rare and highly desirable lifestyle, thanks to its prime ground-floor, west-facing position with sweeping views of Clearwater Harbor and the Intracoastal Waterway. Perfect for launching a kayak or paddleboard right from your backyard. The two-bedroom, one-bath layout lives like a single-family home, creating a comfortable and inviting atmosphere. Inside, the updated kitchen immediately stands out, featuring solid wood cabinetry, granite countertops, and stainless steel appliances. The open-concept dining and living areas flow seamlessly together, while an expansive sliding glass door frames stunning water views and leads to your outdoor space—an ideal setting to relax and take in unforgettable sunsets. Recent upgrades, including tile flooring and a beautifully renovated bathroom, add to the condo’s appeal. The primary bedroom serves as a peaceful retreat, complete with a large picture window overlooking the water. The spacious guest bedroom easily accommodates a king-size bed and includes double closets for ample storage. Additional updates include a new A/C system (2021), a refrigerator (2020), and impact-resistant windows and doors for added security and energy efficiency. The property also includes an assigned carport parking space (#103) along with convenient guest parking. Located within the deed-restricted Island Estates community, residents enjoy close proximity to everyday essentials, including a Publix grocery store, restaurants, banking, a post office, and a gas station—all just minutes away. Combining a prime waterfront setting, thoughtful updates, and exceptional convenience, this condo offers the perfect blend of comfort, style, and coastal living.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,005
Sqft
0.71 ac
Lot size
1968
Year built
One
Levels
$377
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.
$2,867 /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
$2,867/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
−19.6%
$/sqft vs Clearwater Beach actives
$377 vs $565
Days on market
92 vs 75 typical
Where $377/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 31% 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 400 LARBOARD WAY UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$493,000
400 LARBOARD WAY UNIT 102 · same community
2 bd · 2 ba · 1,005 sqft · $491/sqft · 10 DOM
Sold · Feb ’26$586,000
825 S GULFVIEW BOULEVARD UNIT 106
2 bd · 2 ba · 1,007 sqft · $582/sqft · 16 DOM
Sold · Oct ’25$605,000
825 S GULFVIEW BOULEVARD UNIT 104
2 bd · 2 ba · 1,007 sqft · $601/sqft · 64 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 400 LARBOARD WAY UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 LARBOARD WAY UNIT 103 — 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
400 LARBOARD WAY UNIT 103 FAQs
What would the monthly payment be for 400 LARBOARD WAY UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,867/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 400 LARBOARD WAY UNIT 103?+
The most recent tax bill on record (2025) was $3,704. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Clearwater Beach?+
At $379,000, this home is listed about 53% 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 400 LARBOARD WAY UNIT 103?+
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
$379,000 is 31% below the CLEARWATER BEACH 33767 median of $550,000, and at $377/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.
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 $399,000, now $379,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Brett Ellinger. MLS #TB8504689.
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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