2523 WHITE SAND LANE, CLEARWATER, FL, 33763
Active47 days on marketListed Jun 8, 2026MLS #TB8516663
About this home
2523 WHITE SAND LANE
Welcome to this beautifully updated townhome in the heart of Clearwater. Offering modern upgrades, functional living space and located outside of a flood zone. This home delivers peace of mind along with exceptional value for buyers looking to enjoy the Florida lifestyle. Inside, you'll find fresh interior paint, updated ceiling fans and updates throughout the home. The kitchen features newer appliances; dishwasher, stove, exhaust fan, sink and garbage disposal all replaced within the last five years plus a brand new refrigerator. The downstairs half bathroom was completely renovated for a clean, modern feel. Upstairs, the spacious primary suite offers updated lighting and a fully customized walk-in closet that includes a transferable lifetime warranty. French doors open to a covered, screened-in lanai, perfect for relaxing mornings or entertaining guests year round. With its prime location, residents will appreciate being just minutes from the beautiful beaches of Clearwater, top shopping and dining destinations like Countryside Mall and the vibrant downtown areas of Dunedin, Clearwater, and Safety Harbor. All known for their festivals, parks, and entertainment. Easy access to major highways, Tampa International Airport and public transit. Additionally, there is a community pool and a playground.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,274
Sqft
0.04 ac
Lot size
1
Garage
2007
Year built
Two
Levels
$226
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.
$2,580 /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
$2,580/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
+2.4%
$/sqft vs Clearwater actives
$226 vs $218
Days on market
47 vs 47 typical
Where $226/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)
218 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 81% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2523 WHITE SAND LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$250,000
2565 HIDDEN COVE LANE · same community
2 bd · 1.5 ba · 1,252 sqft · $200/sqft · 4 DOM
Sold · Mar ’26$243,000
1951 SEARAY SHORE DRIVE · same community
2 bd · 2.5 ba · 1,183 sqft · $205/sqft · 21 DOM
Sold · Aug ’25$232,500
2066 SUN DOWN DRIVE · same community
2 bd · 1.5 ba · 1,146 sqft · $203/sqft · 30 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 2523 WHITE SAND LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2523 WHITE SAND LANE — 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
2523 WHITE SAND LANE FAQs
What would the monthly payment be for 2523 WHITE SAND LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,580/mo — principal and interest, the actual property-tax bill, the $414/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 2523 WHITE SAND LANE?+
The association fee works out to $414 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2523 WHITE SAND LANE?+
The most recent tax bill on record (2025) was $2,199. 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 2523 WHITE SAND LANE?+
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 $288,000, this home is listed about 5% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2523 WHITE SAND LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Anabel Ottersbach. MLS #TB8516663.
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 homes, in your inbox
Like 2523 WHITE SAND LANE but not quite? A daily digest of every new listing in Clearwater — 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 →