2400 WINDING CREEK BOULEVARD UNIT 20A-109, CLEARWATER, FL, 33761
Active45 days on marketListed Jun 26, 2026MLS #TB8521581
About this home
2400 WINDING CREEK BOULEVARD UNIT 20A-109
Virtually Staged. This rare ground floor corner 2BR/2BA condo is ideally located in the sought-after community of Winding Creek. It sits on high ground in a NON flood zone and is centrally located with access roads leading to all parts of the county. The unit has a bright, spacious, split bedroom plan that includes the following: welcoming foyer, spacious great room, eat-in kitchen, master bedroom with private bath & walk-in closet, office or guest bedroom, 2nd full bath, utility closet with full size washer & dryer, bonus area, PLUS a rear paved patio perfect for your morning coffee & evening glass of wine. As an end unit, additional windows allow natural light to shine in the great room. Updates include, MASTER BATH: vanity with dual sinks - stone counters and soft close drawers & doors, faucets, mirror, light fixture, toilet, showerhead & custom tiled walk-in shower, HALL BATH: vanity with stone counters, faucet, mirror, light fixture, showerhead, and custom tiled tub, INTERIOR: luxury vinyl flooring, new water heater (2026), and AC system (2021), EXTERIOR: newer roof (2021), and painted parking spots - condo assn takes care of exterior including roof. Unit includes an assigned parking spot footsteps from the front door as well as ample guest parking. This building is non-age restricted, pet friendly, and adjacent to the pool & clubhouse. Winding Creek is a well maintained community with mature plants-shrubs-palms-majestic trees & green lawns. Amenities include: active clubhouse with kitchen - social area - meeting & game rooms, heated pool & spa, tennis/pickleball court, and BBQ picnic area. It is conveniently located a short drive from major shopping hubs, Countryside Mall, Historic Downtown Dunedin, Eclectic Safety Harbor, and Award Winning Clearwater Beach. Enjoy Florida living at its finest with countless activities nearby: beaches, water sports, boating, parks, casual & fine dining, trendy bars, micro-breweries, cafes, festivals, concerts, art shows, theaters, spring training baseball, championship golf & more. This is a MUST SEE for buyers seeking maintenance free living in a desirable community.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
1987
Year built
One
Levels
$150
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.
$1,203 /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
$1,203/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
−14.1%
$/sqft vs WINDING CREEK
$150 vs $203
Days on market
45 vs 55 typical
Where $150/sqft sits among the 9 homes for sale in WINDING CREEK
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 33761 — neighborhood snapshot
Population
18,399
Median age
53.6
Median income
$71,839
Median home value
$271,100
Avg household
2.11
Households w/ children
1,319
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
$328K → $312K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
3 of 9
WINDING CREEK have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the CLEARWATER 33761 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2400 WINDING CREEK BOULEVARD UNIT 20A-109
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$186,000
2400 WINDING CREEK BOULEVARD UNIT 20A · same community
2 bd · 2 ba · 1,045 sqft · $178/sqft · 3 DOM
Sold · Nov ’25$163,000
2400 WINDING CREEK BOULEVARD Bldg18A#210 · same community
2 bd · 2 ba · 1,013 sqft · $161/sqft · 131 DOM
Sold · Sep ’25$184,430
2400 WINDING CREEK BOULEVARD UNIT 4-101 · same community
2 bd · 2 ba · 1,012 sqft · $182/sqft · 78 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 2400 WINDING CREEK BOULEVARD UNIT 20A-109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2400 WINDING CREEK BOULEVARD UNIT 20A-109 — 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
2400 WINDING CREEK BOULEVARD UNIT 20A-109 FAQs
What would the monthly payment be for 2400 WINDING CREEK BOULEVARD UNIT 20A-109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,203/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 2400 WINDING CREEK BOULEVARD UNIT 20A-109?+
The most recent tax bill on record (2025) was $521. 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 2400 WINDING CREEK BOULEVARD UNIT 20A-109?+
The listing reports pets: 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?+
At $157,900, this home is listed about 43% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2400 WINDING CREEK BOULEVARD UNIT 20A-109?+
Countryside High School (high), Curlew Creek Elementary School (elementary), Palm Harbor Middle School (middle) — 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 33761 market on paper
$157,900 is 30% below the CLEARWATER 33761 median of $225,900, and at $150/sqft it sits under the Clearwater average of $276.
02Pool & Tennis Court views
The pool and tennis court view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Countryside High School, Curlew Creek Elementary School, Palm Harbor Middle School — Curlew Creek Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $159,900, now $157,900 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DUNEDIN REALTY LLC · Pete Dagios. MLS #TB8521581.
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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