673 BAY ESPLANADE UNIT 109, CLEARWATER, FL, 33767
Active27 days on marketListed Aug 24, 2026MLS #TB8541863
About this home
673 BAY ESPLANADE UNIT 109
Welcome to Five Palms, a waterfront condo-hotel located in the heart of Clearwater Beach! This ground-floor 1-bedroom, 1-bath unit offers a fantastic opportunity for those looking for a personal beach getaway with income-producing potential when not in use. The unit features tile flooring throughout, a full kitchen with wood cabinetry and stainless-steel appliances, a separate bedroom, full bathroom with a tiled walk-in shower, and comfortable living space. Sliding doors from the bedroom open to a covered outdoor patio, giving guests another place to relax and enjoy the Florida lifestyle. Five Palms offers an impressive collection of resort-style amenities, including a waterfront pool, grilling and gathering areas, putting green, tropical landscaping, and direct access to the Intracoastal Waterway. Boaters will especially appreciate that Unit 109 includes Boat Slip #7, providing an exceptional opportunity to enjoy Clearwater Beach by both land and water. Designed for vacation use and short-term stays, Five Palms provides owners with the flexibility to enjoy their unit personally while also taking advantage of its rental potential. All of this is just minutes from Clearwater Beach's famous white-sand beaches, restaurants, shopping, nightlife, and attractions. Whether you're looking for your own Clearwater Beach escape or a vacation-rental investment with a boat slip, Unit 109 offers a fantastic combination of location, amenities, and waterfront access.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
335
Sqft
0.43 ac
Lot size
1951
Year built
One
Levels
$954
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.
$2,604 /mo · 30% down, 30-yr fixed at 6.9%
Why the rate is different here
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote for a condo-hotel in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,604/mo
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
$954 vs $224
Days on market
27 vs 53 typical
Where $954/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 Clearwater Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Clearwater Beach — neighborhood snapshot
Population
2,289
Median age
58
Median income
$87,434
Median home value
$801,867
Avg household
2
Households w/ children
104
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 → $336K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
250 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 43% below the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 673 BAY ESPLANADE UNIT 109
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$310,000
445 S GULFVIEW BOULEVARD UNIT 113
1 bd · 1 ba · 366 sqft · $847/sqft · 126 DOM
Sold · Apr ’26$322,000
445 S GULFVIEW BOULEVARD UNIT 412
1 bd · 1 ba · 369 sqft · $873/sqft · 135 DOM
Sold · Jan ’26$310,000
445 S GULFVIEW BOULEVARD UNIT 322
1 bd · 1 ba · 384 sqft · $807/sqft · 134 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 673 BAY ESPLANADE UNIT 109 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 673 BAY ESPLANADE UNIT 109 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
673 BAY ESPLANADE UNIT 109 FAQs
What would the monthly payment be for 673 BAY ESPLANADE UNIT 109?+
With 30% down on a 30-year condo-hotel loan at 6.9%, the all-in payment lands around $2,604/mo — principal and interest, the actual property-tax bill, the $577/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 673 BAY ESPLANADE UNIT 109?+
The association fee works out to $577 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 673 BAY ESPLANADE UNIT 109?+
The most recent tax bill on record (2025) was $4,719. 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 673 BAY ESPLANADE UNIT 109?+
The listing reports pets: No. 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 $319,574, this home is listed about 15% above the Clearwater median of $279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 673 BAY ESPLANADE UNIT 109?+
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
01Under the CLEARWATER 33767 market on paper
$319,574 is 43% below the CLEARWATER 33767 median of $560,000.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The trade-off to know about
Condo-hotel units use specialty financing — expect a larger down payment and a rate premium, or an all-cash purchase. Our lender partners quote these weekly; the cost panel below reflects standard financing, so ask us for the real quote.
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 RE/MAX ELITE REALTY · Patrick Degnan. MLS #TB8541863.
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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