1620 SAND KEY ESTATES COURT, CLEARWATER BEACH, FL, 33767
Active12 days on marketListed Aug 3, 2026MLS #TB8535137
About this home
1620 SAND KEY ESTATES COURT
Extremely Rare Gulf-View Waterfront Estate in Sand Key's Most Exclusive Gated Community Experience spectacular western sunsets and panoramic Gulf views from this exceptional waterfront estate, located within The Moorings of Sand Key—the only gated single-family waterfront community of its kind on Sand Key. Designed in timeless Florida style, this elegant residence offers 2,306 square feet of beautifully appointed living space with three bedrooms, three bathrooms, and a spacious second-floor loft that captures breathtaking Gulf and Intracoastal views. Soaring ceilings, abundant natural light, and expansive waterfront vistas create a bright, inviting atmosphere throughout. The well-appointed kitchen features solid wood cabinetry, granite countertops, stainless steel appliances, and a wet bar complete with a wine cooler—perfect for entertaining. The highly desirable first-floor primary suite overlooks the water, offering peaceful views and exceptional convenience. Upstairs, the versatile loft provides a stunning vantage point to enjoy unforgettable sunsets, watch dolphins swim by, or simply relax while taking in the million-dollar views of the Gulf of Mexico and Intracoastal Waterway. Outdoor living is equally impressive. A screened-in lanai surrounds the private pool, while an extended composite sun deck offers the perfect setting for waterfront entertaining or quiet evenings by the water. For boating enthusiasts, this property is truly unmatched. The protected deep-water dock features water and electric service, a 32,000-pound boat lift (installed in 2018), an additional wet slip, and a dedicated WaveRunner lift—providing ample accommodations for a yacht, sailboat, or personal watercraft. With no fixed bridges to the Gulf of Mexico, you'll enjoy effortless access to open water from this protected Intracoastal harbor. Constructed with concrete block on pilings at a high elevation, the home offers lasting durability while helping keep flood insurance costs low. Electric hurricane shutters protect the upstairs windows and rear patio for added peace of mind. Located within the prestigious 24-hour guard-gated Moorings of Sand Key, this exclusive residence delivers privacy, security, and an exceptional waterfront lifestyle. Notably, both the community and this home remained high and dry throughout the 2024 hurricane season, reflecting the property's superior elevation and location. Just a short stroll to beach access and conveniently situated near the guard gate, this rare waterfront offering combines luxury, security, world-class boating, and some of the most spectacular sunset views on Florida's Gulf Coast.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,306
Sqft
0.13 ac
Lot size
2
Garage
1998
Year built
Two
Levels
$700
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.
$11,673 /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
$11,673/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.
vs edgeAI estimate
+21%
$/sqft vs Clearwater Beach actives
$700 vs $565
Days on market
12 vs 65 typical
Where $700/sqft sits among the 269 Clearwater Beach 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 Sand Key
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater Beach. See the full Clearwater Beach guide →
Sand Key — neighborhood snapshot
Population
2,337
Median age
71
Median income
$109,542
Median home value
$727,100
Avg household
2
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)
116 of 269
Clearwater Beach actives have cut their price
Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 200% 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 1620 SAND KEY ESTATES COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$1,285,000
1648 SAND KEY ESTATES COURT · same community
3 bd · 3 ba · 2,114 sqft · $608/sqft · 55 DOM
Sold · Aug ’25$1,660,000
1616 SAND KEY ESTATES COURT · same community
4 bd · 3 ba · 2,554 sqft · $650/sqft · 108 DOM
Sold · May ’26$1,765,000
1624 SAND KEY ESTATES COURT · same community
3 bd · 3 ba · 3,002 sqft · $588/sqft · 6 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 1620 SAND KEY ESTATES COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1620 SAND KEY ESTATES COURT — 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
1620 SAND KEY ESTATES COURT FAQs
What would the monthly payment be for 1620 SAND KEY ESTATES COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $11,673/mo — principal and interest, the actual property-tax bill, the $273/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 1620 SAND KEY ESTATES COURT?+
The association fee works out to $273 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1620 SAND KEY ESTATES COURT?+
The most recent tax bill on record (2025) was $23,041. 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 1620 SAND KEY ESTATES COURT?+
The listing reports pets: 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 Beach?+
At $1,615,000, this home is listed about 103% above the Clearwater Beach median of $795,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1620 SAND KEY ESTATES COURT?+
Mildred Helms Elementary School (elementary), Largo High School (high), Largo Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,615,000 runs 200% above the CLEARWATER BEACH 33767 median — but at 2,306 sqft it's also 65% larger than 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.
03Strong assigned schools
Mildred Helms Elementary School, Largo High School, Largo Middle School — Mildred Helms Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS BELLEAIR · Petra Will. MLS #TB8535137.
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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