628 CLEVELAND STREET UNIT 904, CLEARWATER, FL, 33755
Active190 days on marketListed Apr 16, 2026MLS #TB8498334
About this home
628 CLEVELAND STREET UNIT 904
Welcome to 628 Cleveland Street, Unit 904, an impeccably maintained residence perched above the heart of Downtown Clearwater. From the moment you step inside, you'll appreciate the exceptional care and pride of ownership that make this home truly stand apart. Offering 1,636 square feet of thoughtfully designed living space, this spacious two-bedroom, two-bathroom residence features an open, light-filled layout that flows effortlessly between the living, dining, and kitchen areas, creating an inviting setting for everyday living and entertaining. Inside, plantation shutters complement the home's bright, inviting interiors, while its immaculate condition and thoughtful design create a sense of comfort and understated elegance throughout. One of the home's most appealing features is its generously sized den/study, complete with elegant French doors and a large closet. With ample room to accommodate both a bed and a desk, this versatile space can easily serve as a guest sleeping area, home office, or a combination of both, providing exceptional flexibility for today's lifestyles. Step onto your private balcony and enjoy breathtaking sunsets over the Gulf of Mexico, with sweeping views of Downtown Clearwater and sparkling waters in the distance. Inside, the residence is fresh, refined, and exceptionally well maintained, offering a move-in-ready home with a sense of comfort and understated elegance throughout. Adding to its appeal are TWO assigned indoor garage parking spaces, an exceptional convenience and a valuable feature in downtown living. Located in the center of Downtown Clearwater, residents enjoy a city experiencing an exciting transformation. Just moments away are the revitalized Cleveland Street District, waterfront parks, concerts and events at The Sound at Coachman Park, restaurants, cafés, shopping, and entertainment. Clearwater Beach, marinas, the Pinellas Trail, and year-round community activities are also within easy reach, offering an appealing balance of urban convenience and coastal living. Whether you're searching for a full-time residence, seasonal retreat, or convenient lock-and-leave lifestyle, Unit 904 offers an exceptional combination of generous living space, immaculate condition, versatility, and outstanding value in a prime downtown location. Don't miss the opportunity to make this remarkable residence your own!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,636
Sqft
0.99 ac
Lot size
2
Garage
2008
Year built
One
Levels
$293
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.
$4,306 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,306/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−33.5%
$/sqft vs Clearwater actives
$293 vs $245
Days on market
190 vs 61 typical
Where $293/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 Downtown
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Downtown — neighborhood snapshot
Population
4,795
Median age
42
Median income
$42,329
Median home value
$99,860
Avg household
3
Households w/ children
369
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 → $324K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
236 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 45% above the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 628 CLEVELAND STREET UNIT 904
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$520,000
628 CLEVELAND STREET UNIT 1104 · same community
3 bd · 2 ba · 1,636 sqft · $318/sqft · 65 DOM
Sold · Dec ’25$530,000
628 CLEVELAND STREET UNIT 602 · same community
2 bd · 2 ba · 1,484 sqft · $357/sqft · 111 DOM
Sold · May ’26$370,000
628 CLEVELAND STREET UNIT 1207 · same community
1 bd · 2 ba · 1,272 sqft · $291/sqft · 147 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 628 CLEVELAND STREET UNIT 904 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 628 CLEVELAND STREET UNIT 904 — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
628 CLEVELAND STREET UNIT 904 FAQs
What would the monthly payment be for 628 CLEVELAND STREET UNIT 904?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,306/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 628 CLEVELAND STREET UNIT 904?+
The most recent tax bill on record (2025) was $7,667. 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 628 CLEVELAND STREET UNIT 904?+
The listing reports pets: Breed Restrictions, 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 $479,900, this home is listed about 61% above the Clearwater median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 628 CLEVELAND STREET UNIT 904?+
Skycrest 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
$479,900 runs 45% above the CLEARWATER 33755 median — but at 1,636 sqft it's also 28% larger than the typical Clearwater listing.
02City & Park/Greenbelt & Water views
The city and park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
190 days on market against a Clearwater median of 61 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $525,000, now $479,900 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBY'S INTL REALTY · Jessica Elias. MLS #TB8498334.
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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