3097 HAVERFORD DRIVE, CLEARWATER, FL, 33761
Active11 days on marketListed Jul 21, 2026MLS #TB8530649
About this home
3097 HAVERFORD DRIVE
Virtually Staged. Welcome to this beautifully updated home in Northwoods Estates, located in northern Clearwater near shopping & major thoroughfares. Thoughtfully designed with an open, easy-flowing floor plan, the home features wood-look luxury vinyl plank flooring throughout, six-panel doors, & impact windows in most areas but not any of the sliding doors. The garage door is also hurricane rated. From the moment you arrive, the expanded three-car driveway, pergola-covered entry, raised planter box & hanging wall planters create inviting curb appeal. Inside, a spacious foyer opens to a den or media room with French doors, while the hallway leads to a fully updated guest bath & generously sized bedrooms. Each bedroom includes double closets, & the primary suite adds a walk-in closet for exceptional storage. The primary bathroom has also been updated & includes a sunken shower area, modern vanity, & refreshed fixtures. The kitchen, dining room, breakfast area & family room connect seamlessly, creating comfortable spaces for everyday living & entertaining. The kitchen offers granite countertops, a closet pantry, recessed lighting, an updated sink with pull out faucet, & stainless steel appliances. The adjoining family room features a vaulted ceiling & a wood-burning fireplace as its centerpiece. Outdoors, enjoy Florida winters from the covered patio, which extends to a welcoming corner seating area just across the open patio area. Your yard has vinyl fencing for privacy & a grassy area for your pets or guests. A large interior laundry room provides added convenience with a front load washer & dryer, sink, closet, accent wall with hooks & storage cabinets. With its updates, storage, outdoor living areas, & impact windows throughout most of the home, this property offers comfort, style, & peace of mind. HVAC 2022, Square D electrical panel, water heater 2016, roof 2010
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,114
Sqft
0.18 ac
Lot size
2
Garage
1979
Year built
One
Levels
$288
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.
$3,996 /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
$3,996/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
+8.1%
$/sqft vs Clearwater actives
$288 vs $218
Days on market
11 vs 47 typical
Where $288/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 33761 — neighborhood snapshot
Population
18,399
Median age
53.6
Median income
$71,839
Median home value
$271,100
Avg household
2.11
Households w/ children
1,319
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)
220 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 166% above the CLEARWATER 33761 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 3097 HAVERFORD DRIVE
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$575,000
2649 BURNTFORK DRIVE · same community
3 bd · 2 ba · 2,261 sqft · $254/sqft · 14 DOM
Sold · Jul ’26$584,999
2643 BURNTFORK DRIVE · same community
3 bd · 2 ba · 1,885 sqft · $310/sqft · 27 DOM
Sold · Apr ’26$579,000
2659 DIAMOND HEAD DRIVE N · same community
4 bd · 3.5 ba · 2,442 sqft · $237/sqft · 87 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 3097 HAVERFORD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3097 HAVERFORD DRIVE — 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
3097 HAVERFORD DRIVE FAQs
What would the monthly payment be for 3097 HAVERFORD DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,996/mo — principal and interest, the actual property-tax bill, the $4/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 3097 HAVERFORD DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3097 HAVERFORD DRIVE?+
The most recent tax bill on record (2025) was $3,812. 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 3097 HAVERFORD DRIVE?+
The listing reports pets: 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 $609,000, this home is listed about 121% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3097 HAVERFORD DRIVE?+
Countryside High School (high), Curlew Creek Elementary School (elementary), Palm 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 RE/MAX REALTEC GROUP INC · Cathy McCarthy. MLS #TB8530649.
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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