891 ISLAND WAY, CLEARWATER BEACH, FL, 33767
Active2 days on marketListed Aug 7, 2026MLS #TB8460677
About this home
891 ISLAND WAY
(SELECT PHOTOS HAVE BEEN VIRTUALLY EDITED TO ILLUSTRATE THE HOME’S REMODELING POTENTIAL.) TRULY ONE-OF-A-KIND WATERFRONT OPPORTUNITY—THE ONLY LOT IN ALL OF ISLAND ESTATES WITH APPROXIMATELY 300 LINEAR FEET OF SEAWALL! Even more remarkable, this property has NEVER FLOODED. Situated on an expansive, elevated corner lot of approximately 20,691 square feet along the Intracoastal Waterway, this exceptional property offers an extraordinary amount of waterfrontage, with seawalls on two sides and direct water access from two directions. Designed to embrace the Florida waterfront lifestyle, the property features a private dock with convenient boating access and a large, beautifully maintained waterfront swimming pool. The block-masonry residence with tile roof offers approximately 3,315 square feet of heated living space, 6 bedrooms, 4 bathrooms and a 2-car garage. An impressive approximately 1,200-square-foot hurricane-glass-enclosed porch showcases sweeping water views toward North Clearwater Beach and St. Joseph Sound, creating an incredible space for relaxing and entertaining. From your own backyard, watch dolphins and abundant marine and bird life by day, then enjoy the shimmering lights of Clearwater Beach across the water in the evening. With its remarkable waterfrontage, oversized lot and spectacular setting, this property presents an exceptional opportunity to update the existing residence and create a truly extraordinary waterfront estate. Located in the highly desirable Island Estates boating community, you are just minutes from world-famous Clearwater Beach and conveniently close to Publix, banking, dining, the Clearwater Marine Aquarium and numerous local attractions. Enjoy boating from your backyard, beautiful sunrises and sunsets, and an exceptional coastal lifestyle from one of Island Estates’ most distinctive waterfront properties.
Facts & features
The home at a glance
6
Bedrooms
4
Bathrooms
3,225
Sqft
0.48 ac
Lot size
2
Garage
1972
Year built
One
Levels
$899
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.
$18,096 /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
$18,096/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.
$/sqft vs ISLAND ESTATES OF CLEARWATER
$899 vs $750
Days on market
2 vs 67 typical
Where $899/sqft sits among the 9 homes for sale in ISLAND ESTATES OF CLEARWATER
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)
6 of 9
ISLAND ESTATES OF CLEARWATER have cut their price
Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 427% 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 891 ISLAND WAY
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$1,625,000
514 WINDWARD PASSAGE · same community
5 bd · 4 ba · 3,022 sqft · $538/sqft · 259 DOM
Sold · Sep ’25$1,625,000
106 MIDWAY ISLAND · same community
3 bd · 3.5 ba · 2,821 sqft · $576/sqft · 68 DOM
Sold · Sep ’25$1,350,000
854 HARBOR ISLAND · same community
3 bd · 2.5 ba · 2,636 sqft · $512/sqft · 40 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 891 ISLAND WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 891 ISLAND WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
891 ISLAND WAY FAQs
What would the monthly payment be for 891 ISLAND WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,096/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 891 ISLAND WAY?+
The most recent tax bill on record (2024) was $14,397. 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 $2,900,000, this home is listed about 263% 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 891 ISLAND WAY?+
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
01Positioned at the premium end
$2,900,000 runs 427% above the CLEARWATER BEACH 33767 median — but at 3,225 sqft it's also nearly twice the size of 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.
03Fresh on the market
Only 2 days on market in a Clearwater Beach market that averages 67 — if it fits, move quickly.
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 COLDWELL BANKER REALTY · Michelle Chenault. MLS #TB8460677.
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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