CENTURY 21 Edge
$4,000,0003 bd3 ba2,793 sqft$1,432 /sqft≈$24,521 /mo all-in ↓

956 ELDORADO AVENUE, CLEARWATER, FL, 33767

Active12 days on marketListed Oct 1, 2026MLS #TB8551504

WaterfrontSingle Family ResidenceMANDALAY SUB

About this home

956 ELDORADO AVENUE

A TIMELESS COASTAL HOME, DIRECT GULF FRONT WITH THE SAND JUST STEPS FROM YOUR DOOR ON NORTH CLEARWATER BEACH. Built in 1992 and beautifully positioned along one of Clearwater Beach’s most desirable residential stretches, this remarkable home captures everything people come to Florida to find: pristine Gulf water, soft white sand, incredible sunsets and a home filled with genuine coastal character. From the moment you enter, the architecture feels special. Warm wood flooring, detailed millwork, built-in cabinetry, tongue-and-groove ceilings, exposed beams and an airy coastal palette give the home a relaxed elegance perfectly suited to its setting. Designed to embrace the Gulf, the home unfolds across three thoughtfully arranged levels, each offering its own sense of space, privacy and connection to the water. The main living level is centered around the view, with walls of windows and doors bringing the Gulf, palms and glowing evening skies into the home. The spacious family room flows into the dining area and kitchen, creating a welcoming gathering space along the Gulf side of the residence, while direct access to a large covered Gulf-front deck creates an effortless connection between indoor and outdoor living. The kitchen is complemented by a walk-in pantry and office space. The spacious floor plan offers plenty of room for family and guests, with two generously sized en-suite bedrooms on the main living level, along with a dedicated laundry room and additional storage. The entire third floor is devoted to the primary suite, creating a truly private retreat separated from the main living and guest spaces below. This upper-level sanctuary includes an expansive bedroom, spa-like bathroom, dedicated office or sitting area, generous walk-in closet and a private Gulf-facing balcony. From here, elevated views stretch across the beach and Gulf, providing a peaceful place to unwind and watch the sun set over the water. The ground level adds remarkable flexibility, with an oversized garage, multiple finished bonus rooms, utility space and abundant storage. These rooms offer endless possibilities for a media room, game room, home gym, office or recreational space. Sliding doors connect this level to a large covered Gulf-side patio, extending the living space outdoors and placing the beach just beyond. What truly distinguishes this property is its relationship with the Gulf. There is no road to cross and no long walk to the water, just simply step outside and the beach is right there. The setting feels peaceful and uncrowded, yet the restaurants, boating, recreation and energy of Clearwater Beach remain just minutes away. This is not simply a waterfront home. It is a true North Clearwater Beach retreat, rich with timeless coastal character and positioned in an irreplaceable Gulf-front setting where the view changes every evening and the sunset never gets old.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

2,793

Sqft

0.15 ac

Lot size

2

Garage

1992

Year built

Three Or More

Levels

$1,432

Per sqft

WaterfrontPets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · PrimaryBedroom Upstairs · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · Concrete · Stucco · Vinyl Siding · Wood Frame
FoundationSlab
FacesEast
ParkingCovered · Driveway · Garage Door Opener
ExteriorSliding Doors

Community & fees

Taxes (2025)$15,330/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public
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.

$24,521 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$21,584
PMI (est., until 20% equity)$1,500
Property tax — 2025 actual bill$1,277
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $400,000Loan30-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% · $400,000
Interest rate6.00%
Loan term

Estimated payment

$24,521/mo

Principal & interest$21,584
PMI (est., until 20% equity)$1,500
Property taxes (actual bill)$1,277
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 $4.0M
$1.1MedgeAI estimate $1,284,227 · range $1.2M–$1.4M$4.2M

vs edgeAI estimate

+211.5%

$/sqft vs MANDALAY SUB

$1,432 vs $486

Days on market

12 vs 70 typical

Where $1,432/sqft sits among the 23 homes for sale in MANDALAY SUB

7
12
1
0
1
2 · this home
$210–438$438–665$665–892$892–1119$1119–1346$1346+

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 Clearwater Beach

Drive times from this address

Tampa Int’l Airport (TPA)≈ 38 min
Downtown Tampa≈ 41 min

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

Get to know Clearwater. See the full Clearwater guide →

Clearwater Beach — neighborhood snapshot

Population

2,289

Median age

58

Median income

$87,434

Median home value

$801,867

Avg household

2

Households w/ children

104

For the school run

Pinellas County School District

ElementarySandy Lane Elementary School★★★★★
MiddleDunedin Highland Middle School★★★★★
HighClearwater High School★★★★★

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

The numbers that matter

The Clearwater market

Seller’s marketBalanced — 5.3 months of inventoryBuyer’s market

$328K → $324K

Clearwater median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

11 of 23

MANDALAY SUB have cut their price

Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 662% above the CLEARWATER 33767 median. See the full Clearwater market guide →

Paper trail

This home's history

Oct 1, 2026Listed at $4,000,000 · 12 days on market since
1992Built · MANDALAY SUB

Reality check

What actually sold near 956 ELDORADO AVENUE

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

58 ASTER STREETSold · Apr ’26

$1,316,750

58 ASTER STREET · same community

4 bd · 3.5 ba · 2,400 sqft · $549/sqft · 21 DOM

864 MANDALAY AVENUESold · Nov ’25

$1,100,000

864 MANDALAY AVENUE · same community

3 bd · 3 ba · 2,364 sqft · $465/sqft · 195 DOM

845 BAY ESPLANADESold · Jul ’26

$1,500,000

845 BAY ESPLANADE · same community

4 bd · 3 ba · 2,344 sqft · $640/sqft · 23 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.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 956 ELDORADO AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 956 ELDORADO AVENUE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

956 ELDORADO AVENUE FAQs

What would the monthly payment be for 956 ELDORADO AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $24,521/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 956 ELDORADO AVENUE?+

The most recent tax bill on record (2025) was $15,330. 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 956 ELDORADO AVENUE?+

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 $4,000,000, this home is listed about 1238% above the Clearwater median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 956 ELDORADO AVENUE?+

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

Three things that matter here

01Positioned at the premium end

$4,000,000 runs 662% above the CLEARWATER 33767 median — but at 2,793 sqft it's also nearly twice the size of the typical Clearwater listing.

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

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.

Listing courtesy of RE/MAX REALTEC GROUP INC · Mark Fazzini. MLS #TB8551504.

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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