440 PALM ISLAND SE, CLEARWATER BEACH, FL, 33767
Active8 days on marketListed Jul 28, 2026MLS #TB8533361
About this home
440 PALM ISLAND SE
DEEP WATER BOAT LIFT HOME- ISLAND ESTATES OF CLEARWATER BEACH, A HIGHLY SOUGHT-AFTER SELF-CONTAINED WATERFRONT COMMUNITY. 3bdrm 2.5 bath solid block home with over 2200sqft *PLUS a bonus office offers- Deep water, 13k boat lift, location next to cul-de-sac gets you right into the intracoastal waterway quicky. Completely updated. Beautiful kitchen, renovated bathrooms, customized double closets in master bdrm, 10ft ceilings, Wolf induction stove, Subzero refrigeration, Travertine flooring, Emtek hardware, Plantation shutters throughout, Epoxy garage flooring, large dock, Boat lift has new bunkers, Roofs 2021/2017, AC 2018. MOVE IN READY SPLIT PLAN home. As you enter immediately you will see water. large living/dining area 37x19 with French doors leading out to the patio with additional French doors leading out from the master bdrm. An inviting entertaining home with spacious bedrooms. *Per seller, the home is ready for 2nd story with LVL's 16” on centers* Much to appreciate Island Estates is one of the most sought-after waterfront communities on Florida's Gulf Coast Self-contained Waterfront Community with everything you need, A QUICK GOLF CART RIDE TO Grocery, gas station, restaurants, UPS, the Clearwater Marine Aquarium, or USE THE Jolley Trolley, or Just a short, enjoyable walk or bike ride to Clearwater beach- which is always voted Top Beach for its perfect soft white sands. Book your Private showing today! Straight 30min drive to Tampa International airport.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,228
Sqft
0.19 ac
Lot size
2
Garage
1967
Year built
One
Levels
$640
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.
$9,893 /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
$9,893/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
+25.7%
$/sqft vs Clearwater Beach actives
$640 vs $569
Days on market
8 vs 71 typical
Where $640/sqft sits among the 278 Clearwater Beach 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 Island Estate
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater Beach. See the full Clearwater Beach 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 Beach market
$535K → $885K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
121 of 278
Clearwater Beach actives have cut their price
Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 157% above the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 440 PALM ISLAND SE
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$2,395,000
223 PALM ISLAND SW · same community
4 bd · 3 ba · 3,297 sqft · $726/sqft · 8 DOM
Sold · Jul ’26$1,070,000
620 BAYWAY BOULEVARD
3 bd · 3 ba · 2,269 sqft · $472/sqft · 119 DOM
Sold · May ’26$1,450,000
331 CLEVELAND STREET UNIT 1204
3 bd · 2.5 ba · 2,425 sqft · $598/sqft · 12 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 440 PALM ISLAND SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 440 PALM ISLAND SE — 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
440 PALM ISLAND SE FAQs
What would the monthly payment be for 440 PALM ISLAND SE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,893/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 440 PALM ISLAND SE?+
The most recent tax bill on record (2025) was $18,116. 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 Beach?+
At $1,425,000, this home is listed about 78% above the Clearwater Beach median of $799,000. The market section on this page shows how the area is trending.
Which schools are assigned to 440 PALM ISLAND SE?+
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
01Positioned at the premium end
$1,425,000 runs 157% above the CLEARWATER BEACH 33767 median — but at 2,228 sqft it's also 60% larger than the typical Clearwater Beach listing.
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 EZ CHOICE REALTY · Stephanie Hartmann Chaconas. MLS #TB8533361.
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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