690 ISLAND WAY UNIT 408, CLEARWATER BEACH, FL, 33767
Active45 days on marketListed Jun 10, 2026MLS #TB8517153
About this home
690 ISLAND WAY UNIT 408
PANORAMIC VIEWS greet you as you enter this beach retreat! This rare updated one bedroom / 1.5 bath with 950 sq. ft. is open, remodeled, and beautifully appointed with coastal touches. As gorgeous as the interior is, you will be pulled out to the expansive balcony to watch the sparkling water and ever-changing scenery of soaring sunsets, boats going by, and dolphin shows in their natural habitat. The balcony spans the length of the condo and has sliders to access in the living room and master ensuite. Hurricane shutters add to peace of mind. The updated kitchen features gorgeous countertops, cabinetry with tons of storage, newer appliances and has been opened up with breakfast bar. The master ensuite is large enough for a king size bed, has remodeled sink vanity and large walk-in closet. Added features of this condo is the washer and dryer in the unit, covered parking as well as a storage on the same floor. Yes, this building is pet friendly too. Two pets up to 25 lbs. Enjoy resort like amenities: waterfront heated pool, hot tub, tennis & pickleball courts, shuffleboard, BBQ grills, picnic area, bicycle storage, car wash, and boardwalk for sunset strolls. Owners can purchase or lease boat slips from individual owners. Island Walk is a well-maintained and fully funded building for buyers' peace of mind. Building updates: Automated lobby door with key fob, hurricane impacts doors, new mailboxes, security cameras, pool heaters and pumps, walkways 2024, painted in 2022. new roof in 2021 along with common area A/C units updated. 2018 Balcony / railing / patio gemstone coating. Island Walk is a true waterfront oasis and a great opportunity for a new home, second home or new investment property. Island Estates is a self-contained waterfront paradise offering fine dining, Publix Grocery store, Sushi, Market / Deli, Bar & Grill, UPS Store, 2 Nail Salons, Dry Cleaners, Gas Station with auto repair and Clearwater Marine Aquarium! Just a short walk, bike ride or Jolley Trolley ride over to the consistently #1 ranked Clearwater Beach. YOU'LL LOVE LIVING THIS WAY!
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
950
Sqft
1982
Year built
One
Levels
$363
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.
$2,829 /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
$2,829/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
−9.4%
$/sqft vs Clearwater Beach actives
$363 vs $574
Days on market
45 vs 84 typical
Where $363/sqft sits among the 284 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 → $916K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
127 of 284
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 38% 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 690 ISLAND WAY UNIT 408
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$310,000
690 ISLAND WAY UNIT 911 · same community
1 bd · 1.5 ba · 950 sqft · $326/sqft · 15 DOM
Sold · Feb ’26$440,000
690 ISLAND WAY UNIT 707 · same community
2 bd · 2 ba · 1,150 sqft · $383/sqft · 270 DOM
Sold · Feb ’26$617,500
690 ISLAND WAY UNIT 203 · same community
2 bd · 2.5 ba · 1,350 sqft · $457/sqft · 68 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 690 ISLAND WAY UNIT 408 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 690 ISLAND WAY UNIT 408 — 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
690 ISLAND WAY UNIT 408 FAQs
What would the monthly payment be for 690 ISLAND WAY UNIT 408?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,829/mo — principal and interest, the actual property-tax bill, the $4/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 690 ISLAND WAY UNIT 408?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 690 ISLAND WAY UNIT 408?+
The most recent tax bill on record (2025) was $5,776. 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 690 ISLAND WAY UNIT 408?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $345,000, this home is listed about 57% below the Clearwater Beach median of $808,600. The market section on this page shows how the area is trending.
Which schools are assigned to 690 ISLAND WAY UNIT 408?+
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
$345,000 is 38% below the CLEARWATER BEACH 33767 median of $555,000, and at $363/sqft it sits under the Clearwater Beach average of $673.
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 $350,000, now $345,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Laura Yeager. MLS #TB8517153.
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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