1856 FRANCIS DRIVE, CLEARWATER, FL, 33763
Active19 days on marketListed Sep 24, 2026MLS #TB8550601
About this home
1856 FRANCIS DRIVE
Welcome to 1856 Francis Dr in Clearwater! This spacious 4-bedroom, 3-bathroom home offers 2,454 square feet of living space with a unique layout and major improvements already completed in a NO flood zone. Enjoy peace of mind in with a NEW ROOF, HURRICANE-IMPACT WINDOWS, and UPDATED ELECTRICAL, along with stylish NEW LUXURY VINYL PLANK FLOORING throughout and fresh INTERIOR AND EXTERIOR PAINT. One of the standout features of this home is the charming brick courtyard, surrounded by sliding glass doors that create a wonderful connection between the indoor and outdoor living spaces. With multiple access points to the courtyard, natural light flows into the home while providing a private outdoor space perfect for relaxing, entertaining, or creating your own garden retreat. With four bedrooms and three full bathrooms, there is plenty of flexibility for family, guests, a home office, or multigenerational living. Many of the big-ticket improvements have already been taken care of, giving you the opportunity to move in and make the finishing touches your own. Conveniently located in Clearwater with easy access to shopping, dining, recreation, and everything the Tampa Bay area has to offer. With generous living space, a distinctive courtyard design, and significant recent improvements, 1856 Francis Dr is ready to welcome its next owner. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,454
Sqft
0.17 ac
Lot size
1
Garage
1959
Year built
Two
Levels
$220
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 — not generic estimates.
$3,738 /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
$3,738/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
+21.9%
$/sqft vs Clearwater actives
$220 vs $228
Days on market
19 vs 70 typical
Where $220/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 Montclair Lake Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Montclair Lake Estates — neighborhood snapshot
Population
451
Median age
47
Median income
$104,643
Median home value
$323,500
Avg household
3
Households w/ children
29%
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)
243 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 219% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1856 FRANCIS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$400,000
2033 DAWN DRIVE · same community
4 bd · 2.5 ba · 1,977 sqft · $202/sqft · 38 DOM
Sold · Jul ’26$540,000
1862 FRANCIS DRIVE · same community
3 bd · 2 ba · 1,710 sqft · $316/sqft · 13 DOM
Sold · Jun ’26$479,000
1862 SETON DRIVE · same community
3 bd · 2 ba · 1,486 sqft · $322/sqft · 0 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 1856 FRANCIS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1856 FRANCIS DRIVE — 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
1856 FRANCIS DRIVE FAQs
What would the monthly payment be for 1856 FRANCIS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,738/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 1856 FRANCIS DRIVE?+
The most recent tax bill on record (2025) was $1,928. 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 1856 FRANCIS DRIVE?+
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 $540,000, this home is listed about 81% above the Clearwater median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1856 FRANCIS DRIVE?+
Dunedin Elementary School (elementary), Dunedin Highland Middle School (middle), Dunedin High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Jeni Zahoranski. MLS #TB8550601.
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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