1863 MONICA DRIVE, CLEARWATER, FL, 33763
Active4 days on marketListed Sep 16, 2026MLS #A4705275
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About this home
1863 MONICA DRIVE
Welcome to 1863 Monica Drive, a beautifully refreshed 3-bedroom, 2-bath Clearwater pool home offering approximately 1,477 square feet, an attached 2-car garage, and inviting indoor-outdoor living. Extensively remodeled around 2024, the home features a completely new kitchen with generous cabinetry, expansive counter space, stainless appliances, and a large center island that opens to the dining and living areas. Updated flooring and fresh interior paint create a bright, cohesive feel throughout the home. Step outside to a private screened retreat centered around the gunite swimming pool. Covered seating and lounging areas provide space to relax or entertain, while a new remote-controlled, color-changing LED pool light adds atmosphere for evening swimming and outdoor gatherings. Recent behind-the-scenes improvements include approximately $7,000 in HVAC and ductwork work, along with updated insulation in both the house attic and garage attic. Located in Clearwater with convenient access to Gulf beaches, Dunedin, shopping, restaurants, and the greater Tampa Bay area, this property works equally well as a primary residence, Florida getaway, or furnished investment opportunity. The home is offered fully furnished, subject to an agreed inventory and terms of sale. Approximately $20,000 has been invested in rental furnishings and setup, giving a buyer the opportunity to acquire much of the infrastructure already assembled for furnished use. The property has been operated as a short-term rental and currently has Airbnb bookings extending into 2027. Any continuation, cancellation, or transfer of reservations is subject to Airbnb requirements, applicable regulations, and arrangements between buyer and seller. No representation or guarantee is made regarding future income, occupancy, rental eligibility, or reservation transfer. Turnkey condition, a private screened pool, substantial recent improvements, and a flexible furnished-sale opportunity make 1863 Monica Drive an appealing Clearwater home with more than one way to enjoy it.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,477
Sqft
0.18 ac
Lot size
2
Garage
1975
Year built
One
Levels
$359
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.
$4,187 /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
$4,187/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
+16.3%
$/sqft vs Clearwater actives
$359 vs $224
Days on market
4 vs 53 typical
Where $359/sqft sits among the 400 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 Montclair Lake Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Montclair Lake Estates — neighborhood snapshot
Population
451
Median age
47
Median income
$104,643
Median home value
$323,500
Avg household
3
Households w/ children
29%
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 → $336K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
250 of 400
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 241% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1863 MONICA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$479,000
1862 SETON DRIVE · same community
3 bd · 2 ba · 1,486 sqft · $322/sqft · 0 DOM
Sold · Apr ’26$385,000
1877 DAWN DRIVE · same community
3 bd · 2 ba · 1,434 sqft · $268/sqft · 138 DOM
Sold · Jul ’26$380,000
2027 SETON DRIVE · same community
3 bd · 2 ba · 1,410 sqft · $270/sqft · 5 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1863 MONICA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1863 MONICA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1863 MONICA DRIVE FAQs
What would the monthly payment be for 1863 MONICA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,187/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 1863 MONICA DRIVE?+
The most recent tax bill on record (2025) was $8,074. 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 1863 MONICA DRIVE?+
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 $529,900, this home is listed about 90% above the Clearwater median of $279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1863 MONICA DRIVE?+
Dunedin Elementary School (elementary), Dunedin Highland Middle School (middle), Dunedin 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
01Positioned at the premium end
$529,900 runs 241% above the CLEARWATER 33763 median — but at 1,477 sqft it's also 16% larger than the typical Clearwater listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 4 days on market in a Clearwater market that averages 53 — if it fits, move quickly.
04Strong assigned schools
Dunedin Elementary School, Dunedin Highland Middle School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Larry Gardner. MLS #A4705275.
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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