2284 OAK NECK ROAD UNIT F, CLEARWATER, FL, 33763
Active11 days on marketListed Jul 22, 2026MLS #TB8531282
About this home
2284 OAK NECK ROAD UNIT F
Virtually Staged. Charming villa-style condo offering easy single-level living in a fantastic Clearwater location — no stairs, and no neighbors above you. Originally built as a patio home in 1974, this 1 bedroom, 1.5 bath has been tastefully updated with a renovated kitchen, a primary bath with dual-sink vanity, and tile flooring throughout. Brand-new impact windows bring energy efficiency, storm protection, and a quiet interior, while two walk-in closets offer storage that's rare at this size. Step out to your own private open-air lanai — a great spot for morning coffee. A dedicated laundry closet with washer/dryer hookups and a 1-car carport add convenience. Enjoy the community pool and truly low-maintenance living: the $385/month HOA covers water, trash, basic cable, roof, escrow reserves, and the pool. Not an age-restricted (55+) community. One cat welcome (no dogs per association rules). Close to shopping, dining, beaches, and major roadways. Schedule your private showing today!
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
825
Sqft
1974
Year built
One
Levels
$224
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.
$1,797 /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
$1,797/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
+14.5%
$/sqft vs Clearwater actives
$224 vs $216
Days on market
11 vs 47 typical
Where $224/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 33763 — neighborhood snapshot
Population
21,278
Median age
53.8
Median income
$53,552
Median home value
$215,900
Avg household
2.12
Households w/ children
1,898
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 16% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2284 OAK NECK ROAD UNIT F
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$230,000
2260 OAK NECK ROAD UNIT B · same community
2 bd · 2 ba · 1,030 sqft · $223/sqft · 97 DOM
Sold · Jan ’26$235,000
2284 OAK NECK ROAD UNIT E · same community
2 bd · 2 ba · 1,030 sqft · $228/sqft · 125 DOM
Sold · Nov ’25$277,500
2484 LAURELWOOD DRIVE UNIT C · same community
2 bd · 2 ba · 1,030 sqft · $269/sqft · 16 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 2284 OAK NECK ROAD UNIT F — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2284 OAK NECK ROAD UNIT F — 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
2284 OAK NECK ROAD UNIT F FAQs
What would the monthly payment be for 2284 OAK NECK ROAD UNIT F?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,797/mo — principal and interest, the actual property-tax bill, the $385/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 2284 OAK NECK ROAD UNIT F?+
The association fee works out to $385 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2284 OAK NECK ROAD UNIT F?+
The most recent tax bill on record (2025) was $977. 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 2284 OAK NECK ROAD UNIT F?+
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 $185,000, this home is listed about 33% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2284 OAK NECK ROAD UNIT F?+
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 LISA HALL REALTY, INC · Lisa Hall. MLS #TB8531282.
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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