116 N DUNCAN AVENUE, CLEARWATER, FL, 33755
Active27 days on marketListed Sep 25, 2026MLS #TB8552072
About this home
116 N DUNCAN AVENUE
Virtually Staged. Recent Price Reduction! Welcome to 116 N Duncan Ave, a unique Clearwater opportunity offering flexibility for both homeowners and investors. From the street, this property has the charm and feel of a single-family home, but inside you’ll find a fully permitted duplex with two separate 2-bedroom, 1-bath units. One unit is currently tenant occupied, providing immediate rental income, while the second unit is vacant and ready for its next owner, occupant, or tenant. Live in one side and help offset your housing costs with income from the other, create space for extended family, or add a versatile two-unit property to your investment portfolio. Each unit offers its own kitchen, laundry, and parking, giving both households the independence and functionality of separate living spaces. Conveniently located on a corner lot in Clearwater with access to shopping, dining, major roadways, and everything the surrounding Tampa Bay area has to offer. Whether you’re looking for a house-hack opportunity, multi-generational living, or an income-producing property, 116 N Duncan Ave offers options that are increasingly hard to find. This one's definitely worth singing about.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,962
Sqft
0.18 ac
Lot size
1949
Year built
One
Levels
$217
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.
$3,806 /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
$3,806/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.
$/sqft vs Clearwater actives
$217 vs $248
Days on market
27 vs 62 typical
Where $217/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 Keystone Manor
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Keystone Manor — neighborhood snapshot
Population
544
Median age
48
Median income
$60,870
Median home value
$202,700
Avg household
2
Households w/ children
34%
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)
235 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 29% above the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 116 N DUNCAN AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$339,000
310 KEYSTONE ROAD · same community
3 bd · 2 ba · 1,771 sqft · $191/sqft · 32 DOM
Sold · Apr ’26$292,000
1260 KEYSTONE · same community
3 bd · 2 ba · 2,182 sqft · $134/sqft · 28 DOM
Sold · Mar ’26$295,000
1264 KEYSTONE COURT · same community
3 bd · 2 ba · 1,694 sqft · $174/sqft · 14 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 116 N DUNCAN AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 116 N DUNCAN AVENUE — 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
116 N DUNCAN AVENUE FAQs
What would the monthly payment be for 116 N DUNCAN AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,806/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 116 N DUNCAN AVENUE?+
The most recent tax bill on record (2025) was $6,483. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Clearwater?+
At $425,000, 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 116 N DUNCAN AVENUE?+
Skycrest Elementary School (elementary), Clearwater High School (high), Oak Grove Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of Y REALTY · Leanna Tillman. MLS #TB8552072.
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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