1860 N FORT HARRISON AVENUE UNIT 103, CLEARWATER, FL, 33755
Active45 days on marketListed Jun 26, 2026MLS #TB8523324
About this home
1860 N FORT HARRISON AVENUE UNIT 103
Virtually Staged. Astounding sunsets and a full water view of Old Clearwater Bay adjoining the St. Joseph's Sound—where dolphins play, sailboats glide, and privacy from own balcony await the lucky new owner of this unique luxurious waterfront condo. Enjoy this open living space with updated kitchen featuring Bosch appliances. It includes two bedrooms, each with a water view and balcony access. The en suite bathrooms have a shower, a standard tub, and a large jacuzzi soaking tub along with double vanities. The primary suite has 2 large walk-in closets. Additionally, the den/office is set up for reading, writing, or watching a favorite TV show. The secure elevator opens to the hallway entrance which adjoins the "machine room" containing a large Bosch washer and dryer, an AC handler, and a hot water heater and storage. Another door opens to the hallway leading to trash disposal, which this owner maintains and owns. The underground garage space is ample for one vehicle and some extra storage as it is shared. However, neither rain nor hot sun prevents one from going from a vehicle to one's condo through the enclosed garage access to the elevator lobby. Situated near the Clearwater Sound and Coachman park for walks, concerts, and views of beaches and islands, the delightful town of Dunedin, noted as the "best small town in America," offers a variety of eateries, shops, and a marina. This is the perfect location to take advantage of both the mainland and beaches while still relaxing in your own piece of paradise. Welcome to Florida living at its best. No need to worry about hurricanes due to impact windows with not damage from previous storms.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2,330
Sqft
0.86 ac
Lot size
1
Garage
2005
Year built
One
Levels
$300
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.
$4,780 /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
$4,780/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
−44.2%
$/sqft vs Clearwater actives
$300 vs $227
Days on market
45 vs 55 typical
Where $300/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 Old Clearwater Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Old Clearwater Bay — neighborhood snapshot
Population
501
Median age
46
Median income
$130,789
Median home value
$753,100
Avg household
2
Households w/ children
15%
The numbers that matter
The Clearwater market
$328K → $312K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
225 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 97% above the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1860 N FORT HARRISON AVENUE UNIT 103
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$740,000
1860 N FORT HARRISON AVENUE UNIT 104 · same community
3 bd · 2 ba · 2,330 sqft · $318/sqft · 194 DOM
Sold · Jul ’26$890,000
1860 N FORT HARRISON AVENUE UNIT 402 · same community
3 bd · 2.5 ba · 2,512 sqft · $354/sqft · 333 DOM
Sold · Aug ’25$950,000
1860 N FORT HARRISON AVENUE UNIT 301 · same community
3 bd · 2.5 ba · 2,512 sqft · $378/sqft · 92 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 1860 N FORT HARRISON AVENUE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1860 N FORT HARRISON AVENUE UNIT 103 — 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
1860 N FORT HARRISON AVENUE UNIT 103 FAQs
What would the monthly payment be for 1860 N FORT HARRISON AVENUE UNIT 103?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,780/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 1860 N FORT HARRISON AVENUE UNIT 103?+
The most recent tax bill on record (2025) was $6,969. 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 1860 N FORT HARRISON AVENUE UNIT 103?+
The listing reports pets: 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 $700,000, this home is listed about 155% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Lucile Casey LLC. MLS #TB8523324.
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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