1889 SPRINGWOOD CIRCLE N, CLEARWATER, FL, 33763
Active11 days on marketListed Sep 9, 2026MLS #TB8546888
About this home
1889 SPRINGWOOD CIRCLE N
ABSOLUTELY GORGEOUS, MINT & MOVE-IN READY! Welcome to this beautifully updated 3-bedroom, 2-bath, 2-car garage home in the highly sought-after Spring Lake community of North Clearwater, conveniently located near Keene Road and Virginia Street. Built in 1985 and lovingly updated throughout, this home features IMPACT WINDOWS AND DOORS, vaulted ceilings, gorgeous tile flooring throughout, ceiling fans in every room, updated bathrooms, stainless steel appliances, a charming breakfast nook, and a pass-through to the dining area. Enjoy incredibly low electric costs of approximately $50 per month thanks to the home's solar system, with a solar payment of only approximately $88 per month. Step outside and you'll find mature landscaping creating a peaceful, park-like setting along with a fully fenced backyard perfect for relaxing, entertaining, pets, or enjoying the Florida lifestyle. Washer and dryer are included, and the COMPLETE HOME FURNISHINGS ARE NEGOTIABLE—making this an outstanding opportunity for someone looking for a truly move-in-ready home. Spring Lake residents enjoy a LOW HOA and an impressive collection of community amenities just steps from your door, including a clubhouse, community pool and spa, playground, and tennis courts. Best of all—NO FLOOD ZONE! The location is hard to beat! Centrally located near shopping, dining, recreation, and everything Clearwater and Dunedin have to offer, including the world-famous Gulf beaches and charming Downtown Dunedin with its quaint shops, galleries, breweries, entertainment, and highly rated restaurants. This beautiful home combines condition, upgrades, low operating costs, community amenities, and an exceptional location—DON'T MISS THIS ONE!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.14 ac
Lot size
2
Garage
1985
Year built
One
Levels
$316
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.
$3,587 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$3,587/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.
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
−6%
$/sqft vs Clearwater actives
$316 vs $224
Days on market
11 vs 53 typical
Where $316/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.
The investor lens
Two ways this home pays
This home sits inside Spring Lake, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,100/mo median
Live Clearwater rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Spring Lakes Of Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Spring Lake is a short-term-rental community. See the full guide →
Spring Lakes Of Clearwater — neighborhood snapshot
Population
492
Median age
34
Median income
$86,250
Median home value
$368,000
Avg household
3
Households w/ children
85%
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)
249 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 172% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1889 SPRINGWOOD CIRCLE N
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$419,800
1870 SPRINGBUSH LANE · same community
3 bd · 2 ba · 1,344 sqft · $312/sqft · 2 DOM
Sold · Apr ’26$420,000
1876 SPRINGBUSH LANE · same community
3 bd · 2 ba · 1,602 sqft · $262/sqft · 150 DOM
Sold · Dec ’25$490,000
2195 SPRINGRAIN DRIVE · same community
3 bd · 2 ba · 1,602 sqft · $306/sqft · 11 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1889 SPRINGWOOD CIRCLE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1889 SPRINGWOOD CIRCLE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1889 SPRINGWOOD CIRCLE N FAQs
What would the monthly payment be for 1889 SPRINGWOOD CIRCLE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,587/mo — principal and interest, the actual property-tax bill, the $145/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 1889 SPRINGWOOD CIRCLE N?+
The association fee works out to $145 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1889 SPRINGWOOD CIRCLE N?+
The most recent tax bill on record (2025) was $7,106. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 1889 SPRINGWOOD CIRCLE N be rented short-term?+
Yes — this home sits inside Spring Lake, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 1889 SPRINGWOOD CIRCLE N?+
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 $425,000, this home is listed about 52% above the Clearwater median of $279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1889 SPRINGWOOD CIRCLE N?+
Dunedin Highland Middle School (middle), Dunedin High School (high), Garrison-Jones Elementary School (elementary) — 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
$425,000 runs 172% above the CLEARWATER 33763 median.
02Zoned for nightly rentals
Spring Lake is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Strong assigned schools
Dunedin Highland Middle School, Dunedin High School, Garrison-Jones Elementary School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ASSIST 2 SELL BUYERS N SELLERS · Randall Bowman. MLS #TB8546888.
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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