809 HARBOR OAK LANE, CLEARWATER, FL, 33756
Active194 days on marketListed Jan 23, 2026MLS #TB8465858
About this home
809 HARBOR OAK LANE
Welcome to the Townhomes of Harbor Oaks, a Mediterranean inspired community tucked right in the heart of downtown Clearwater. This rarely available end unit townhome offers extra natural light and beautiful sunrise and sunset views. The layout includes 2 bedrooms, 2.5 baths, a bonus flex room on the ground level (ideal for an office or home gym), and an attached 2 car garage. The kitchen features a center island, granite counters, and a gas range. Engineered bamboo flooring adds a modern and warm touch throughout. Harbor Oaks residents enjoy a heated community pool, BBQ area with seating, and charming European-style courtyards shaded by mature trees. Solid concrete block construction with barrel tile roofing complements the Mediterranean architecture, lush landscaping, and brick-paver walkways. This all-ages community sits in a no flood and no evacuation zone, just minutes to Clearwater Beach, the Marina, Morton Plant Hospital, the Pinellas Trail, shopping, dining, and both Tampa + St. Pete/Clearwater airports. Seller motivated, present all offers.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,600
Sqft
0.03 ac
Lot size
2
Garage
2006
Year built
Three Or More
Levels
$258
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 and the real association fee — not generic estimates.
$3,164 /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
$3,164/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 actives
$258 vs $226
Days on market
194 vs 55 typical
Where $258/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 Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33756 — neighborhood snapshot
Population
32,928
Median age
45
Median income
$63,990
Median home value
$335,800
Avg household
2.46
Households w/ children
2,867
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 21% above the CLEARWATER 33756 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 809 HARBOR OAK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$455,000
1500 S PRESCOTT AVENUE
3 bd · 2 ba · 1,612 sqft · $282/sqft · 32 DOM
Sold · Jun ’26$547,000
1596 S EVERGREEN AVENUE
3 bd · 2 ba · 1,621 sqft · $337/sqft · 161 DOM
Sold · Oct ’25$440,000
1584 S WASHINGTON AVENUE
3 bd · 2 ba · 1,529 sqft · $288/sqft · 41 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
Shawn Headley
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 809 HARBOR OAK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 809 HARBOR OAK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
809 HARBOR OAK LANE FAQs
What would the monthly payment be for 809 HARBOR OAK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,164/mo — principal and interest, the actual property-tax bill, the $250/mo association fee 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.
How much are the HOA fees at 809 HARBOR OAK LANE?+
The association fee works out to $250 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 809 HARBOR OAK LANE?+
The most recent tax bill on record (2024) was $1,752. 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 809 HARBOR OAK LANE?+
The listing reports pets: Cats OK, Dogs OK, Yes. 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 $412,000, this home is listed about 50% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 809 HARBOR OAK LANE?+
Plumb Elementary School (elementary), Clearwater High School (high), Oak Grove Middle School (middle) — 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
$412,000 runs 21% above the CLEARWATER 33756 median — but at 1,600 sqft it's also 28% larger than the typical Clearwater listing.
02Time on market is leverage
194 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Plumb Elementary School, Clearwater High School, Oak Grove Middle School — Plumb Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $499,000, now $412,000 — a $87K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ABI ROAD REALTY LLC · Abigail Reyes. MLS #TB8465858.
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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