770 ISLAND WAY UNIT N204, CLEARWATER, FL, 33767
Active14 days on marketListed Jul 23, 2026MLS #TB8532209
About this home
770 ISLAND WAY UNIT N204
Experience refined coastal living in this extensively renovated unit, where every detail has been thoughtfully upgraded with quality craftsmanship and timeless style. Filled with natural light, the inviting interior showcases breathtaking panoramic views of Mandalay Bay and an airy, open-concept design perfect for everyday living and entertaining. The enclosed lanai serves as an exceptional extension of the living space, providing the perfect setting to relax and take in the waterfront scenery. At the heart of the home, the beautifully updated kitchen features an impressive granite island, premium finishes, and generous prep space that will delight both casual cooks and seasoned chefs. Designer upgrades continue throughout with elegant tile flooring, recessed lighting, modern interior doors, and custom built-in cabinetry that maximizes both storage and functionality. A full-size in-unit washer and dryer add everyday convenience. Major improvements include impact-resistant, UV-protected windows, updated electrical, a newer water heater, water softener, HVAC system, wine refrigerator, and numerous additional enhancements that provide lasting value and peace of mind. Residents enjoy easy access via both the elevator and stairs, along with outstanding waterfront amenities. Spend evenings on the community dock watching spectacular sunsets, grilling with friends, launching a kayak, fishing, or taking advantage of available water, electric, and boat access. Nestled in the highly desirable Island Way community, this well-maintained building has successfully completed its required Milestone Inspection with no current assessments. Just minutes from Clearwater Beach, Publix, popular restaurants, and the vibrant entertainment of downtown Clearwater, this exceptional waterfront property offers the ideal blend of comfort, convenience, and coastal lifestyle. Buyers should verify all rules, regulations, and leasing guidelines directly with the homeowners association.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,335
Sqft
1 ac
Lot size
1970
Year built
One
Levels
$299
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.
$3,423 /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
$3,423/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
−24.8%
$/sqft vs Clearwater actives
$299 vs $227
Days on market
14 vs 55 typical
Where $299/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 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)
224 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 28% below the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 770 ISLAND WAY UNIT N204
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
2 bd · 2 ba · 1,350 sqft · $187/sqft · 90 DOM
Sold · Feb ’26$515,000
223 ISLAND WAY UNIT 6D
2 bd · 2 ba · 1,370 sqft · $376/sqft · 48 DOM
Sold · Mar ’26$650,000
223 ISLAND WAY UNIT 5D
2 bd · 2 ba · 1,370 sqft · $474/sqft · 281 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 770 ISLAND WAY UNIT N204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 770 ISLAND WAY UNIT N204 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
770 ISLAND WAY UNIT N204 FAQs
What would the monthly payment be for 770 ISLAND WAY UNIT N204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,423/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 770 ISLAND WAY UNIT N204?+
The most recent tax bill on record (2025) was $8,855. 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 770 ISLAND WAY UNIT N204?+
The listing reports pets: Cats OK, Dogs OK. 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 $399,000, this home is listed about 45% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 770 ISLAND WAY UNIT N204?+
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
$399,000 is 28% below the CLEARWATER 33767 median of $552,500.
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 KELLER WILLIAMS ST PETE REALTY · Stephen Anderson. MLS #TB8532209.
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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