CENTURY 21 Edge
$974,0002 bd2 ba1,390 sqft$701 /sqft$6,230 /mo all-in ↓

1586 GULF BOULEVARD UNIT 2103, CLEARWATER, FL, 33767

Active25 days on marketListed Aug 28, 2026MLS #TB8543382

WaterfrontCondominiumCABANA CLUB CONDO

About this home

1586 GULF BOULEVARD UNIT 2103

Experience the relaxed elegance of Gulf-front living at Cabana Club on Sand Key, where sweeping water views, direct beach access and spectacular sunsets create an exceptional coastal setting. This beautifully updated two-bedroom, two-bath residence with den offers approximately 1,390 square feet of light-filled living space, thoughtfully designed to embrace its Gulf backdrop. An inviting split-bedroom floor plan provides privacy for owners and guests, while the spacious living and dining areas are filled with natural light and open to a large Gulf-facing balcony. Accessible from both the living room and primary suite, this outdoor living space offers a front-row perspective of the Gulf, an ideal setting for morning coffee, coastal breezes and unforgettable Florida sunsets. At the heart of the residence, the updated kitchen blends style and functionality and connects easily with the main living areas. A wood-burning fireplace creates a distinctive focal point in the living room, framed by built-in cabinetry that adds architectural interest and valuable storage. A separate den offers welcome flexibility for a home office, media room, reading retreat or additional guest space. The Gulf-facing primary suite is a peaceful retreat with direct balcony access, a generous walk-in closet and a spacious en-suite bath featuring dual vanities and a jetted tub/shower. The secondary bedroom is privately positioned within the split floor plan with convenient access to the second full bath. Additional features include indoor laundry, updated baths and automatic hurricane shutters protecting the Gulf-facing windows and doors. Cabana Club complements the residence with an impressive collection of recreational and lifestyle amenities. Residents enjoy direct access to the sands of Sand Key, a beachfront swimming pool, fitness center, clubhouse and courts for pickleball, basketball and tennis, creating an atmosphere that feels equally suited to an active lifestyle or a quiet day along the Gulf. Ideally situated on Sand Key just south of Clearwater Beach, the community offers a peaceful beachfront setting with convenient access to waterfront dining, boating, shopping and entertainment throughout the Clearwater Beach area. From the natural light and flexible floor plan to the expansive balcony and ever-changing Gulf views, this residence captures the effortless appeal of Florida’s Gulf Coast lifestyle.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,390

Sqft

1

Garage

1984

Year built

One

Levels

$701

Per sqft

WaterfrontFireplaceWater viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Eating Space In Kitchen · Living Room/Dining Room Combo · Split Bedroom · Stone Counters · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationBlock · Slab
ViewWater
FacesEast
ParkingAssigned · Covered · Guest · Underground
ExteriorBalcony · Storage

Community & fees

Taxes (2025)$5,384/yr
PetsYes
CommunityGulf/Ocean Front · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · No Truck/RV/Motorcycle Parking · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Public · Sewer Connected · Street Lights · Underground Utilities · Water 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.

$6,230 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,256
PMI (est., until 20% equity)$365
Property tax — 2025 actual bill$449
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $97,400Loan30-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% · $97,400
Interest rate6.00%
Loan term

Estimated payment

$6,230/mo

Principal & interest$5,256
PMI (est., until 20% equity)$365
Property taxes (actual bill)$449
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.

List $974K
$698KedgeAI estimate $777,190 · range $727K$854K$1.0M

vs edgeAI estimate

+25.3%

$/sqft vs Clearwater actives

$701 vs $225

Days on market

25 vs 53 typical

Where $701/sqft sits among the 400 Clearwater actives

182
122
48
14
10
24 · this home
$119–216$216–313$313–410$410–507$507–604$604+

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

Tampa Int’l Airport (TPA)41 min
Downtown Tampa43 min

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

Get to know Clearwater. See the full Clearwater 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

ElementaryMildred Helms Elementary School★★★★
HighLargo High School★★★★★
MiddleLargo Middle School★★★★★

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

The numbers that matter

The Clearwater market

Seller’s marketBalanced5.0 months of inventoryBuyer’s market

$328K$336K

Clearwater median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

253 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 75% above the CLEARWATER 33767 median. See the full Clearwater market guide →

Paper trail

This home's history

Aug 28, 2026Listed at $974,000 · 25 days on market since
1984Built · CABANA CLUB CONDO

Reality check

What actually sold near 1586 GULF BOULEVARD UNIT 2103

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

1582 GULF BOULEVARD UNIT 1507Sold · Jul ’26

$885,000

1582 GULF BOULEVARD UNIT 1507 · same community

2 bd · 2 ba · 1,385 sqft · $639/sqft · 110 DOM

1586 GULF BOULEVARD UNIT 2401Sold · Oct ’25

$1,400,000

1586 GULF BOULEVARD UNIT 2401 · same community

3 bd · 3 ba · 1,740 sqft · $805/sqft · 96 DOM

1586 GULF BOULEVARD UNIT 2501Sold · Aug ’26

$1,250,000

1586 GULF BOULEVARD UNIT 2501 · same community

3 bd · 3 ba · 1,740 sqft · $718/sqft · 66 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.

Bridget McLennon

Your agent

Bridget McLennon

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1586 GULF BOULEVARD UNIT 2103 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1586 GULF BOULEVARD UNIT 2103 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

1586 GULF BOULEVARD UNIT 2103 FAQs

What would the monthly payment be for 1586 GULF BOULEVARD UNIT 2103?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,230/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 1586 GULF BOULEVARD UNIT 2103?+

The most recent tax bill on record (2025) was $5,384. 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 1586 GULF BOULEVARD UNIT 2103?+

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?+

At $974,000, this home is listed about 249% above the Clearwater median of $279,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1586 GULF BOULEVARD UNIT 2103?+

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

$974,000 runs 75% above the CLEARWATER 33767 median.

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.

Listing courtesy of PREMIER SOTHEBYS INTL REALTY · Tyler Jones. MLS #TB8543382.

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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1586 GULF BOULEVARD UNIT 2103, CLEARWATER, FL — 2 Bed, 2 Bath — $974,000 | CENTURY 21 Edge