644 ISLAND WAY UNIT 405, CLEARWATER, FL, 33767
Active36 days on marketListed Jun 28, 2026MLS #TB8521698
About this home
644 ISLAND WAY UNIT 405
Experience the best of Island Estates living in this pristine, UPDATED, FULLY FURNISHED, move-in ready 2-bedroom, 2-bath condominium. Showcasing chic décor, premium finishes, and an open floor plan, this beautifully updated residence features luxury vinyl flooring throughout. The gourmet kitchen offers stainless steel appliances, solid surface countertops, a breakfast bar, and a stylish dry bar in the dining area that's perfect for entertaining. Located on the fourth floor, this bright and inviting home enjoys beautiful morning sun and partial Intracoastal water views. The spacious floor plan offers generously sized bedrooms, with the guest bedroom large enough to accommodate two queen-size beds. The primary suite features two closets, including a walk-in closet, along with abundant storage throughout the home, including storage solutions throughout the property. In unit washer and dryer are also included for added convenience. Major updates include the HVAC system and water heater (2020). This secure building offers key fob entry, security cameras, an assigned covered parking space #20. The HOA fee includes cable, water, and high-speed internet. Perfectly located on Island Estates, you'll be just minutes from Clearwater Beach and within walking distance of Publix, banks, restaurants including Island Way Grill, shops, the Clearwater Marine Aquarium, and a variety of waterfront activities. Enjoy scenic waterfront walks, bike rides, or simply relax and embrace the coastal lifestyle this highly desirable community has to offer. Boating enthusiasts will appreciate the private community dock on the Channel, with boat slips available for rent through management (subject to availability), as well as a kayak rack. Spend your evenings relaxing by the waterfront pool or private dock while watching spectacular sunsets, dolphins, and boats cruise by. Don't miss this exceptional opportunity to own a beautifully updated, fully furnished waterfront condominium in one of Clearwater's most desirable communities. Furnishings are included, making this the perfect primary residence, vacation home, or investment opportunity.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,335
Sqft
1.53 ac
Lot size
1972
Year built
Three Or More
Levels
$374
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.
$4,665 /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
$4,665/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
+2.5%
$/sqft vs Clearwater actives
$374 vs $218
Days on market
36 vs 47 typical
Where $374/sqft sits among the 399 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 Island Estate
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater 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 market
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
221 of 399
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 644 ISLAND WAY UNIT 405
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$390,000
644 ISLAND WAY UNIT 702 · same community
2 bd · 2 ba · 1,335 sqft · $292/sqft · 20 DOM
Sold · Mar ’26$230,000
644 ISLAND WAY UNIT 206 · same community
2 bd · 2 ba · 1,335 sqft · $172/sqft · 372 DOM
Sold · Sep ’25$600,000
640 BAYWAY BOULEVARD UNIT 302
2 bd · 2 ba · 1,348 sqft · $445/sqft · 56 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 644 ISLAND WAY UNIT 405 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 644 ISLAND WAY UNIT 405 — 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
644 ISLAND WAY UNIT 405 FAQs
What would the monthly payment be for 644 ISLAND WAY UNIT 405?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,665/mo — principal and interest, the actual property-tax bill, the $866/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 644 ISLAND WAY UNIT 405?+
The association fee works out to $866 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 644 ISLAND WAY UNIT 405?+
The most recent tax bill on record (2025) was $5,705. 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 644 ISLAND WAY UNIT 405?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size 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?+
At $499,900, this home is listed about 82% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 644 ISLAND WAY UNIT 405?+
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
Five things that matter here
01Under the CLEARWATER 33767 market on paper
$499,900 is 10% below the CLEARWATER 33767 median of $555,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $866/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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.
05The price has already moved
Listed at $599,900, now $499,900 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAGNATE REALTY, LLC · Chrisy Tellis. MLS #TB8521698.
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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