CENTURY 21 Edge
$1,390,000$1,499,0005 bd5 ba5,004 sqft$278 /sqft$9,559 /mo all-in ↓

1584 OAK LANE, CLEARWATER, FL, 33764

Active133 days on marketListed Mar 26, 2026MLS #TB8490329

Reduced $109KPrivate poolFully furnishedSingle Family ResidenceBELLEAIR GROVE 1ST ADD

About this home

1584 OAK LANE

Welcome home! OR to your next brilliant investment. With over 5000 sq feet this luxury property is packed with endless amenities so sit tight. Tucked into a quiet UNINCORPORATED residential neighborhood with NO rental restrictions is a retreat you could call your own. Make it a home built for generational wealth or a short term rental with presentence of high performance. This estate has been run for over a year as a cash flowing AirBNB grossing on average 20k a month (can show AirBNB documents for proof). The home features THREE primary bed rooms (five bedrooms total) making it great for multigenerational families or if used as STR great for multiple families that want to share a place but also have their own space! All three of the primary bed rooms have their own full (his/hers) bathrooms and walk in closets. Two of the primaries are 1200 square feet of luxury overlooking the Olympic sized swimming pool and court yard. One of the primary bedrooms could easily be converted into a full in-law suite with a kitchenette, bedroom, walk-in closet, full bath, and private entrance to the pool. The kitchen was newly (cosmetically) renovated with brand new appliances, wood shaker cabinets, and stone counters that overlook the entertainment room. The entertainment room has a wet bar with a wine fridge great for create unforgettable gatherings. The home has endless space featuring three living rooms with three custom fire places. The home features endless character and Feng shui. Some feature the home presents inside are: newer impact windows and sliders, newer electrical, 5 walk in closets, 2026 cosmetically renovated primary bathroom, private formal dining room, a home theatre, a gym and sauna room, stand alone soaker tub, security system on every door and window, 25 foot ceilings, and an original fire pole/spiral staircase from Clearwater's first ever built fire station from 1911. Luxury does not stop at the interior. Outside displays an underground drainage system for ANY potential flooding that stretches throughout the entire lot (no damage or flooding has happened in the 2024 major hurricanes or any previous), roof 2021, 2021 shed with a private boat gate entrance, irrigation system to keep your lawn and gardens pristine, parking for 10 or more cars, and more. The yard features a mini pickleball court, turf with mini golf, fire pit, outdoor dining space off the kitchen, privacy foliage filled with mango trees and tropical landscaping. Not to mention the HUGE swimming pool with a lap lane, Baja shelf and a sunken lounge. This is one of the most sought after areas in Clearwater and Belleair located only 6 miles from Clearwater Beach! Pictures truly cannot capture the beautiful character of this home. Book your private showing today! Can come furnished making it an easy turn-key move.

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

5,004

Sqft

0.37 ac

Lot size

2

Garage

1969

Year built

Two

Levels

$278

Per sqft

Private poolFireplaceFurnished

Inside

FlooringTile · Vinyl
AppliancesBar Fridge · Dishwasher · Disposal · Dryer · Freezer · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Walk-In Closet(s) · Wet Bar
LaundryLaundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Vinyl Siding
FoundationBlock · Slab
FacesEast
ExteriorBalcony · Courtyard · Fire Pit · Garden · Irrigation System · Lighting · Outdoor Grill · Rain Gutters · Storage

Community & fees

Taxes (2025)$16,533/yr

Utilities & systems

UtilitiesNatural Gas Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$9,559 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,500
PMI (est., until 20% equity)$521
Property tax — 2025 actual bill$1,378
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $139,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $139,000
Interest rate6.00%
Loan term

Estimated payment

$9,559/mo

Principal & interest$7,500
PMI (est., until 20% equity)$521
Property taxes (actual bill)$1,378
Est. insurance$160

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 Clearwater actives

$278 vs $226

Days on market

133 vs 55 typical

Where $278/sqft sits among the 399 Clearwater actives

167
124 · this home
55
18
8
27
$117–207$207–297$297–386$386–476$476–566$566+

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

Map of 1584 OAK LANE

Drive times from this address

Tampa Int’l Airport (TPA)27 min
Downtown Tampa31 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Clearwater. See the full Clearwater guide →

For the school run

Pinellas County School District

MiddleOak Grove Middle School★★★★★
ElementaryPlumb Elementary School★★★★
HighClearwater High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Clearwater market

Seller’s marketBalanced5.1 months of inventoryBuyer’s market

$328K$350K

Clearwater median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

219 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 538% above the CLEARWATER 33764 median. See the full Clearwater market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,390,000 $109K
Mar 26, 2026Listed at $1,499,000 · 133 days on market since
1969Built · BELLEAIR GROVE 1ST ADD

Reality check

What actually sold near 1584 OAK LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1948 BELLEAIR ROADSold · Feb ’26

$1,150,000

1948 BELLEAIR ROAD · same community

5 bd · 4.5 ba · 4,651 sqft · $247/sqft · 125 DOM

1595 OAK LANESold · May ’26

$590,000

1595 OAK LANE · same community

6 bd · 2.5 ba · 3,504 sqft · $168/sqft · 40 DOM

1761 LONG BOW LANESold · May ’26

$1,550,000

1761 LONG BOW LANE

5 bd · 4.5 ba · 5,022 sqft · $309/sqft · 64 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.

Lacie Springstead

Your agent

Lacie Springstead

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 1584 OAK LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1584 OAK LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1584 OAK LANE FAQs

What would the monthly payment be for 1584 OAK LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,559/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 1584 OAK LANE?+

The most recent tax bill on record (2025) was $16,533. 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?+

At $1,390,000, this home is listed about 405% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1584 OAK LANE?+

Oak Grove Middle School (middle), Plumb Elementary School (elementary), Clearwater High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$1,390,000 runs 538% above the CLEARWATER 33764 median — but at 5,004 sqft it's also nearly 4 times the size of 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.

03Time on market is leverage

133 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Oak Grove Middle School, Plumb Elementary School, Clearwater High School — Plumb Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $1,499,000, now $1,390,000 — a $109K cut. The full history is in the market section below.

Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Ashley Gibson. MLS #TB8490329.

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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