320 ISLAND WAY UNIT 603, CLEARWATER, FL, 33767
Active38 days on marketListed Jun 25, 2026MLS #TB8522816
About this home
320 ISLAND WAY UNIT 603
Welcome to your 24/7 vacation home! Located in Cutter Cove and nestled in the highly coveted Island Estates community conveniently located to everything you'll need to enjoy the beach lifestyle. This beautifully remodeled 3 bedroom, 3 bathroom, 2 car tandem garage, a spiral stair case which leads to the huge loft area attached to the primary retreat, and can be used as a home office. A new roof installed in 2024. You will enjoy maintenance free living and a well managed HOA in the Cutter Cove community as well as a community pool and hot tub. And NO storm damage! Bike, walk or golf cart just about anywhere and you are 1 mile from one of if not the best beach in the country, Clearwater Beach! This townhome needs nothing! Move right in and start enjoying the beach life right away! Located at the end of Memorial Causeway in Clearwater, the Cutter Cove community offers a rare opportunity to enjoy the coastal lifestyle in the highly desirable Island Estates and Clearwater Beach area. This extremely well maintained townhome presents an exceptional blend of comfort and convenience. Just minutes from the vibrant Clearwater Beach and the charm of Downtown Clearwater, this unit is ideal for those seeking a second home, an investment property, or a permanent beachside residence. A must see!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,700
Sqft
1.25 ac
Lot size
2
Garage
1994
Year built
Three Or More
Levels
$315
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.
$4,992 /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
$4,992/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
+5.6%
$/sqft vs Clearwater actives
$315 vs $218
Days on market
38 vs 47 typical
Where $315/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 4% below the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 320 ISLAND WAY UNIT 603
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$569,900
320 ISLAND WAY UNIT 302 · same community
3 bd · 3 ba · 1,700 sqft · $335/sqft · 2 DOM
Sold · Mar ’26$535,000
320 ISLAND WAY UNIT 101 · same community
3 bd · 3 ba · 1,700 sqft · $315/sqft · 20 DOM
Sold · Apr ’26$490,000
320 ISLAND WAY UNIT 103 · same community
3 bd · 3 ba · 1,700 sqft · $288/sqft · 5 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 ISLAND WAY UNIT 603 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 320 ISLAND WAY UNIT 603 — 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 ISLAND WAY UNIT 603 FAQs
What would the monthly payment be for 320 ISLAND WAY UNIT 603?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,992/mo — principal and interest, the actual property-tax bill, the $948/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 320 ISLAND WAY UNIT 603?+
The association fee works out to $948 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 320 ISLAND WAY UNIT 603?+
The most recent tax bill on record (2025) was $5,974. 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 320 ISLAND WAY UNIT 603?+
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 $535,000, this home is listed about 95% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 320 ISLAND WAY UNIT 603?+
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
01Under the CLEARWATER 33767 market on paper
$535,000 is 4% below the CLEARWATER 33767 median of $555,000.
02Know the monthly fee
The association fee is $948/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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 COLDWELL BANKER REALTY · David Price. MLS #TB8522816.
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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