31 ISLAND WAY UNIT 1404, CLEARWATER, FL, 33767
Active20 days on marketListed Jul 14, 2026MLS #TB8526342
About this home
31 ISLAND WAY UNIT 1404
OUTSTANDING VALUE AND OPPORTUNITY TO OWN A PIECE OF PARADISE MINUTES TO CLEARWATER BEACH! Horizon House is one of the best maintained buildings since NO RENTALS and NO PETS allowed except for service/therapy pets. This sizable 2 bedroom, 2 bath condo with over 1,400sf is the epitome of living the Florida lifestyle. Enjoy endless sunrises by day and twinkling city lights by night from the 14th floor. WATER VIEW FROM EVERY ROOM! Upon entering, you get the wow effect from the dazzling water view of Clearwater Harbor. You can see all the way north to Dunedin! You’ll have a front row seat to the area fireworks, including the $1 million City of Clearwater display. The master suite is spacious with built-in cabinets and there’s room for a home office or sitting area. Imagine waking up every day to the stunning colorful sunrises. The master suite is appointed with a private bath and updated vanity. An added feature of this larger 2 bedroom is extra space in the master bedroom which creates a **coveted walk-in closet.** The guest bedroom has plenty of room too! Currently, it has a set of bunk beds and a full size bed. Newer flooring throughout, no carpet! The heated waterfront pool and fishing dock with cleaning station are located directly on the Intracoastal and boat slips are available as first come first serve. Don’t want to wait for a boat slip? Buy your own dock from Island Estates Marina. Bike and kayak storage also available. You'll love living on Island Estates, with fine dining, post office, gas station, new Publix and playground. PLUS you're less than a mile to the sugar white sands of Clearwater Beach. Building is a co-op, HOA fee INCLUDES ELECTRIC, water, trash, basic cable, HVAC, water heater, community generator, use of FREE washer/dryer and security guard. Call today, this is THE PERFECT Florida getaway!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,420
Sqft
2.81 ac
Lot size
1962
Year built
One
Levels
$229
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.
$2,691 /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
$2,691/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
−32.1%
$/sqft vs HORIZON HOUSE CO-OP
$229 vs $274
Days on market
20 vs 55 typical
Where $229/sqft sits among the 8 homes for sale in HORIZON HOUSE CO-OP
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
$328K → $350K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
3 of 8
HORIZON HOUSE CO-OP have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 41% below the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 31 ISLAND WAY UNIT 1404
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$252,500
31 ISLAND WAY UNIT 502 · same community
2 bd · 2 ba · 1,350 sqft · $187/sqft · 90 DOM
Sold · Mar ’26$263,000
31 ISLAND WAY UNIT 1107 · same community
2 bd · 2 ba · 1,295 sqft · $203/sqft · 153 DOM
Sold · Aug ’25$225,000
31 ISLAND WAY UNIT 406 · same community
2 bd · 2 ba · 1,295 sqft · $174/sqft · 45 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 31 ISLAND WAY UNIT 1404 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 31 ISLAND WAY UNIT 1404 — 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
31 ISLAND WAY UNIT 1404 FAQs
What would the monthly payment be for 31 ISLAND WAY UNIT 1404?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,691/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 31 ISLAND WAY UNIT 1404?+
The most recent tax bill on record (2025) was $5,685. 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 31 ISLAND WAY UNIT 1404?+
The listing reports pets: No. 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 $325,000, this home is listed about 18% above the Clearwater median of $274,450. The market section on this page shows how the area is trending.
Which schools are assigned to 31 ISLAND WAY UNIT 1404?+
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
$325,000 is 41% below the CLEARWATER 33767 median of $550,000, and at $229/sqft it sits under the Clearwater average of $276.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 BEACHWISE REAL ESTATE · Kristin Vincelli. MLS #TB8526342.
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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