644 ISLAND WAY UNIT 406, CLEARWATER, FL, 33767
Active29 days on marketListed Sep 23, 2026MLS #TB8549592
About this home
644 ISLAND WAY UNIT 406
Morning sun sets the tone at 644 Island Way #406, a bright 4th-floor condo on Island Estates built for easy coastal living. This 2-bedroom, 2-bath residence spans 1,315 square feet with an open floor plan that connects the kitchen, dining, and living areas. The kitchen and both baths have been beautifully updated, and the layout flows effortlessly into a window-lined dining area with views of the surrounding island. A stylish dry bar adds extra counter space and doubles as the perfect entertaining setup, while stone countertops and recessed lighting add a polished, finished touch. Floor-to-ceiling windows in the living room create a beautiful sitting area, the perfect spot to unwind and take in the views. Both bedrooms are generously sized, and the primary suite offers a spacious walk-in closet. An in-unit washer and dryer complete the everyday convenience. This home is truly turnkey and ready to enjoy from day one, whether as a primary residence or a seasonal escape. Waterfront living here comes with real amenities: a heated community pool, a community room, a kayak launch, and one dedicated covered parking space included with the unit. Boat slips can be rented directly through the association, subject to availability. Rentals are allowed once per year, with the building capped at nine rental units total, keeping the community quiet and owner-focused. Just minutes to the world-famous Clearwater Beach — consistently ranked among Florida's best — plus the Clearwater Marine Aquarium, local shopping, fine dining, and everything else this incredible area has to offer. Fully updated and ready to enjoy, 644 Island Way #406 is a rare find on Island Estates. Schedule your private showing today and don't miss out!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,335
Sqft
1972
Year built
One
Levels
$318
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.
$4,394 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,394/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+2.5%
$/sqft vs Clearwater actives
$318 vs $245
Days on market
29 vs 62 typical
Where $318/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 Island Estate
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater 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 market
$328K → $324K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
236 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 25% below the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 644 ISLAND WAY UNIT 406
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$572,000
644 ISLAND WAY UNIT 101 · same community
2 bd · 2 ba · 1,335 sqft · $428/sqft · 218 DOM
Sold · Mar ’26$230,000
644 ISLAND WAY UNIT 206 · same community
2 bd · 2 ba · 1,335 sqft · $172/sqft · 372 DOM
Sold · Sep ’26$499,000
644 ISLAND WAY UNIT 603 · same community
2 bd · 2 ba · 1,315 sqft · $379/sqft · 4 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 644 ISLAND WAY UNIT 406 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 644 ISLAND WAY UNIT 406 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
644 ISLAND WAY UNIT 406 FAQs
What would the monthly payment be for 644 ISLAND WAY UNIT 406?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,394/mo — principal and interest, the actual property-tax bill, the $845/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 644 ISLAND WAY UNIT 406?+
The association fee works out to $845 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 644 ISLAND WAY UNIT 406?+
The most recent tax bill on record (2025) was $3,403. 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 644 ISLAND WAY UNIT 406?+
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 $424,900, this home is listed about 42% above the Clearwater median of $299,785. The market section on this page shows how the area is trending.
Which schools are assigned to 644 ISLAND WAY UNIT 406?+
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
Five things that matter here
01Under the CLEARWATER 33767 market on paper
$424,900 is 25% below the CLEARWATER 33767 median of $565,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $845/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
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.
05The price has already moved
Listed at $439,000, now $424,900 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC. · Matthew Kallenbach. MLS #TB8549592.
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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