1966 MCKINLEY STREET, CLEARWATER, FL, 33765
Active38 days on marketListed Jun 25, 2026MLS #TB8523305
About this home
1966 MCKINLEY STREET
Welcome to 1966 McKinley Street, a beautifully maintained 3-bedroom, 2-bathroom block home in the heart of Clearwater, where thoughtful updates, a prime central location, and everyday convenience come together. Situated with NO HOA fees in desirable Flood Zone X and the Skycrest Elementary School district, this 1,530-square-foot home features updated flooring throughout, abundant storage, bonus living and dining areas, and a functional floor plan. The property is set on a large 60x135 lot with plenty of space for outdoor living. Major improvements provide peace of mind, including replacement of the home's galvanized plumbing (2023), an updated electrical panel (2024), water softener and filtration system (2023), and a 50-amp RV hookup (2023). The location is exceptional, offering quick access to downtown Clearwater, Safety Harbor, Dunedin, Tampa, and world-famous Clearwater Beach. Spend weekends enjoying the Clearwater Harbor Marina, waterfront parks, concerts at The Sound at Coachman Park, or exploring the shops and restaurants throughout the area. St. Petersburg College is just minutes away, and with Tampa International Airport only 15 miles away and St. Pete–Clearwater International Airport approximately 8 miles away, commuting and travel couldn't be more convenient. Whether you're searching for your primary residence, a seasonal retreat, or an investment opportunity, 1966 McKinley Street offers the perfect combination of updated systems, an outstanding location, and lasting value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,530
Sqft
0.18 ac
Lot size
1
Garage
1954
Year built
One
Levels
$278
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.
$2,850 /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
$3,239/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+1.7%
$/sqft vs Clearwater actives
$278 vs $216
Days on market
38 vs 47 typical
Where $278/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 Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33765 — neighborhood snapshot
Population
14,364
Median age
47.2
Median income
$61,910
Median home value
$290,700
Avg household
2.31
Households w/ children
1,385
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)
222 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 70% above the CLEARWATER 33765 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1966 MCKINLEY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$395,000
1955 GILBERT STREET · same community
4 bd · 2 ba · 1,708 sqft · $231/sqft · 55 DOM
Sold · Oct ’25$420,000
1900 HARDING STREET · same community
3 bd · 2 ba · 1,296 sqft · $324/sqft · 30 DOM
Sold · Sep ’25$315,000
408 CINCINNATI PARKWAY · same community
2 bd · 2 ba · 1,192 sqft · $264/sqft · 8 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 1966 MCKINLEY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1966 MCKINLEY STREET — 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
1966 MCKINLEY STREET FAQs
What would the monthly payment be for 1966 MCKINLEY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,850/mo — principal and interest, estimated property taxes 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 1966 MCKINLEY STREET?+
The most recent tax bill on record (2025) was $0. 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?+
At $425,000, this home is listed about 55% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1966 MCKINLEY STREET?+
McMullen-Booth Elementary School (elementary), Countryside High School (high), Safety Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Kelli Garcia LLC. MLS #TB8523305.
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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