320 HARBOR PASSAGE, CLEARWATER BEACH, FL, 33767
Active27 days on marketListed Jun 26, 2026MLS #TB8520110
About this home
320 HARBOR PASSAGE
An exceptional opportunity to create your dream waterfront retreat in one of Clearwater’s premier boating communities. Situated on a prime deep-water canal, this 3-bedroom, 2-full-bath, 1-half-bath residence with a waterfront office offers the perfect foundation for a stunning renovation or a custom-built coastal masterpiece. Boating enthusiasts will love the private deep-water dock with direct access to the Gulf of Mexico, featuring two boat lifts designed to accommodate a 38-foot vessel and a 28-foot vessel, making sunset cruises, fishing excursions, and days on the water effortlessly accessible. The outdoor living experience is equally impressive, highlighted by a resort-style pool with cascading waterfalls, creating the perfect setting for relaxation and entertaining. Inside, the kitchen is equipped with top-of-the-line appliances and offers exceptional potential to create a chef-inspired culinary space tailored to your lifestyle. Located in sought-after Island Estates, residents enjoy nearby dining, shopping, a convenient Publix, and world-famous Clearwater Beach just minutes away.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,794
Sqft
0.27 ac
Lot size
2
Garage
1973
Year built
One
Levels
$634
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.
$12,580 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$12,580/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+28.8%
$/sqft vs Clearwater Beach actives
$634 vs $574
Days on market
27 vs 84 typical
Where $634/sqft sits among the 281 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 281
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 216% above the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 320 HARBOR PASSAGE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$1,700,000
511 ISLAND WAY · same community
4 bd · 3 ba · 2,876 sqft · $591/sqft · 180 DOM
Sold · Jan ’26$2,000,000
615 HARBOR ISLAND · same community
4 bd · 3 ba · 2,602 sqft · $769/sqft · 46 DOM
Sold · May ’26$1,925,000
624 SNUG ISLAND · same community
4 bd · 4 ba · 2,538 sqft · $758/sqft · 19 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 320 HARBOR PASSAGE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 320 HARBOR PASSAGE — 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
320 HARBOR PASSAGE FAQs
What would the monthly payment be for 320 HARBOR PASSAGE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,580/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 320 HARBOR PASSAGE?+
The most recent tax bill on record (2025) was $26,463. 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 $1,770,000, this home is listed about 119% above the Clearwater Beach median of $808,600. The market section on this page shows how the area is trending.
Which schools are assigned to 320 HARBOR PASSAGE?+
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
Three things that matter here
01Positioned at the premium end
$1,770,000 runs 216% above the CLEARWATER BEACH 33767 median — but at 2,794 sqft it's also nearly twice the size of the typical Clearwater Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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.
Keep looking
Similar homes nearby
Listing courtesy of MIAMI TOP INC · Sisi Carnero. MLS #TB8520110.
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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