10 PAPAYA STREET UNIT 305, CLEARWATER BEACH, FL, 33767
Active3537 days on marketMLS #U7776985
About this home
10 PAPAYA STREET UNIT 305
MANDALAY BEACH CLUB RENTAL ON CLEARWATER BEACH 3 BEDROOM. January, Feb, March April is $9500/month. All other months are aat $8500/month. All plus fees. Mandalay Beach Club is a popular upscale, gated community directly in Clearwater Beach on the Gulf of Mexico/America. It is a 3 bedroom tastefully furnished. The third bedroom furnishings include a trundle bed and with desks allowing you to use it also as an office. Has a large balcony and a spacious terrace. Bring your beach chairs! The owner keeps it immaculately. It is a one-month minimum rental. Additional cleaning fee, $150 condo association application fee, security deposit plus taxes, $450 cleaning fee apply. The rate for high season in January through April is $9500/month plus fees and taxes if available. Includes basic cable, internet and $150/month electric allowance. Annual or long term may be considered. This highly desireable condo also has a large terrace for your enjoyment and extra space. .
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,015
Sqft
0 ac
Lot size
2002
Year built
$4
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.
$1,575 /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
$1,575/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.
$/sqft vs Clearwater Beach actives
$4 vs $571
Days on market
3537 vs 67 typical
Where $4/sqft sits among the 272 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 Clearwater Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater Beach. See the full Clearwater Beach guide →
Clearwater Beach — neighborhood snapshot
Population
2,289
Median age
58
Median income
$87,434
Median home value
$801,867
Avg household
2
Households w/ children
104
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)
116 of 272
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 98% below the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 10 PAPAYA STREET UNIT 305
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$1,525,000
10 PAPAYA STREET UNIT 506 · same community
3 bd · 2.5 ba · 2,015 sqft · $757/sqft · 186 DOM
Sold · Jul ’26$2,300,000
11 SAN MARCO STREET UNIT 401 · same community
3 bd · 2.5 ba · 2,000 sqft · $1,150/sqft · 69 DOM
Sold · Apr ’26$2,110,000
10 PAPAYA STREET UNIT 701 · same community
3 bd · 2.5 ba · 2,000 sqft · $1,055/sqft · 55 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 10 PAPAYA STREET UNIT 305 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10 PAPAYA STREET UNIT 305 — 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
10 PAPAYA STREET UNIT 305 FAQs
What would the monthly payment be for 10 PAPAYA STREET UNIT 305?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,575/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 10 PAPAYA STREET UNIT 305?+
The most recent tax bill on record (2021) was $16,339. 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 10 PAPAYA STREET UNIT 305?+
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 Beach?+
At $8,500, this home is listed about 99% below the Clearwater Beach median of $799,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10 PAPAYA STREET UNIT 305?+
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
Four things that matter here
01Under the CLEARWATER BEACH 33767 market on paper
$8,500 is 98% below the CLEARWATER BEACH 33767 median of $549,000, and at $4/sqft it sits under the Clearwater Beach average of $671.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
3537 days on market against a Clearwater Beach median of 67 — sellers in this position are usually ready to negotiate.
04Strong 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 CENTURY 21 COAST TO COAST · Deborah Kowal. MLS #U7776985.
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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