770 ISLAND WAY UNIT N103, CLEARWATER BEACH, FL, 33767
Active3 days on marketListed Sep 17, 2026MLS #TB8549022
About this home
770 ISLAND WAY UNIT N103
RARE GROUND-FLOOR WATERFRONT OPPORTUNITY at the quaint and beautifully maintained Sea Island North on desirable Island Estates! The waterfront is practically your backyard! Walk directly from your unit to the community dock for morning coffee or an evening cocktail, cast a fishing line, launch your kayak, or simply watch the daily parade of dolphins and manatees. The dock area features a grill, water and electric, and you can even tie up your boat for the day. Enjoy panoramic views of Mandalay Bay and effortless waterfront living from this bright and spacious 2-bedroom, 2-bath coastal condo. Step inside to an open, inviting floor plan featuring hurricane-impact windows and doors, beautiful engineered hardwood flooring, wood shaker cabinetry, gorgeous granite countertops, updated bathrooms, and ample storage. The Florida Room may quickly become your favorite spot—perfect for relaxing while taking in the sparkling water views and spectacular Florida sunsets. Sea Island North offers the charm of a smaller, immaculately maintained waterfront community along with all the perks of the Island Estates lifestyle. Once you're home, you may not want to leave the island! Publix, restaurants, shopping, entertainment and more are just a short walk or bike ride away. Hop aboard the Jolley Trolley for an easy ride to world-famous Clearwater Beach. Whether you're looking for a full-time residence or your own Florida getaway, this is an opportunity to enjoy the waterfront lifestyle Island Estates is known for—right outside your door!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,465
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$320
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.
$3,759 /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
$3,759/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
−12.6%
$/sqft vs Clearwater Beach actives
$320 vs $574
Days on market
3 vs 69 typical
Where $320/sqft sits among the 250 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 Island Estate
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater Beach. See the full Clearwater Beach guide →
Island Estate — neighborhood snapshot
Population
2,783
Median age
62
Median income
$108,222
Median home value
$631,400
Avg household
2
Households w/ children
223
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)
121 of 250
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 15% below the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 770 ISLAND WAY UNIT N103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$375,000
770 ISLAND WAY UNIT N204 · same community
2 bd · 2 ba · 1,335 sqft · $281/sqft · 23 DOM
Sold · May ’26$1,270,580
411 E SHORE DRIVE UNIT PH3
3 bd · 2 ba · 1,383 sqft · $919/sqft · 0 DOM
Sold · Feb ’26$515,000
223 ISLAND WAY UNIT 6D
2 bd · 2 ba · 1,370 sqft · $376/sqft · 48 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
Moe Thouk Oo
Licensed Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 770 ISLAND WAY UNIT N103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 770 ISLAND WAY UNIT N103 — before you fall in love.
See it in person
Schedule a tour
Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
770 ISLAND WAY UNIT N103 FAQs
What would the monthly payment be for 770 ISLAND WAY UNIT N103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,759/mo — principal and interest, the actual property-tax bill, the $4/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 770 ISLAND WAY UNIT N103?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 770 ISLAND WAY UNIT N103?+
The most recent tax bill on record (2025) was $7,519. 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 770 ISLAND WAY UNIT N103?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $469,000, this home is listed about 41% below the Clearwater Beach median of $799,000. The market section on this page shows how the area is trending.
Which schools are assigned to 770 ISLAND WAY UNIT N103?+
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 BEACH 33767 market on paper
$469,000 is 15% below the CLEARWATER BEACH 33767 median of $555,000, and at $320/sqft it sits under the Clearwater Beach average of $672.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Clearwater Beach market that averages 69 — if it fits, move quickly.
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 COASTAL PROPERTIES GROUP INTERNATIONAL · Laura Yeager. MLS #TB8549022.
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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