CENTURY 21 Edge
Active Under Contract
$399,0004 bd2 ba1,788 sqft$223 /sqft≈$3,342 /mo all-in ↓

2075 N KEENE ROAD, CLEARWATER, FL, 33755

Active Under Contract9 days on marketListed Oct 4, 2026MLS #TB8554259

WaterfrontPrivate poolSingle Family ResidenceMONTCLAIR LAKE ESTATES

About this home

2075 N KEENE ROAD

Under contract-accepting backup offers. Lakefront living on Lake Montclair, minutes from downtown Dunedin, and not in a flood zone. This updated 4 bedroom, 2 bath pool home has a layout that works well for both everyday living and entertaining. The living room features vaulted ceilings, updated flooring, and a wood-burning fireplace. It opens to a dining area with a pass-through to the kitchen. The kitchen has wood cabinetry, granite countertops with a full granite backsplash, under-cabinet lighting, and tile flooring. At the back of the home, a large family room with wide cased openings, two sliding glass doors, and a wall of windows faces the pool and lake. Outside, the screened enclosure covers an expansive pool deck with a railing along the water's edge. The yard slopes down to the lake under mature oaks and palms, and PVC fencing encloses the property. Lake Montclair allows boats up to 5 horsepower, and a private dock may be added, subject to permitting. Both bathrooms have been updated with rustic wood plank walls, modern vanities, and brushed nickel fixtures, and the primary bath has a custom walk-in shower with a rain showerhead. The bedrooms are spacious and filled with natural light, with mirrored closet doors throughout. Additional features include a 1 car garage, a gas water heater, and gas heat. Major updates include a 2019 roof, 2018 A/C system, 2007 sliding glass door, and 2005 windows. Buyers may assume approximately $220,000 of the existing 30-year fixed mortgage at 4.1%, subject to lender approval, which is a significant advantage in today's rate environment. The location offers easy access to downtown Dunedin's dining and shopping, the Pinellas Trail, TD Ballpark, and Countryside Mall, with Honeymoon Island, Clearwater Beach, and US-19 a short drive away. Zoned for Dunedin Elementary, Dunedin Highland Middle, and Dunedin High.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

1,788

Sqft

0.36 ac

Lot size

1

Garage

1964

Year built

One

Levels

$223

Per sqft

Private poolWaterfrontFireplaceWater view

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Gas Water Heater · Microwave · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Solid Wood Cabinets · Stone Counters · Thermostat
LaundryIn Garage
CoolingCentral Air
HeatingElectric · Natural Gas

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewWater
FacesWest
ExteriorHurricane Shutters · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$7,875/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Sewer Connected · Street Lights · Water Connected
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.

$3,342 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$656
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,965
Interest rate6.00%
Loan term

Estimated payment

$3,342/mo

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$656
Est. insurance$160

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.

List $399K
$383KedgeAI estimate $523,088 · range $489K–$566K$589K

vs edgeAI estimate

−23.7%

$/sqft vs Clearwater actives

$223 vs $232

Days on market

9 vs 70 typical

Where $223/sqft sits among the 400 Clearwater actives

157
129 · this home
68
12
8
26
$116–207$207–297$297–388$388–479$479–569$569+

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

Tampa Int’l Airport (TPA)≈ 29 min
Downtown Tampa≈ 33 min

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

ElementaryDunedin Elementary School★★★★★
MiddleDunedin Highland Middle School★★★★★
HighDunedin 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)

239 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% above the CLEARWATER 33755 median. See the full Clearwater market guide →

Paper trail

This home's history

Oct 4, 2026Listed at $399,000 · 9 days on market since
1964Built · MONTCLAIR LAKE ESTATES

Reality check

What actually sold near 2075 N KEENE ROAD

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

1862 FRANCIS DRIVESold · Jul ’26

$540,000

1862 FRANCIS DRIVE · same community

3 bd · 2 ba · 1,710 sqft · $316/sqft · 13 DOM

2033 DAWN DRIVESold · Apr ’26

$400,000

2033 DAWN DRIVE · same community

4 bd · 2.5 ba · 1,977 sqft · $202/sqft · 38 DOM

1862 SETON DRIVESold · 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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 2075 N KEENE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2075 N KEENE ROAD — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2075 N KEENE ROAD FAQs

What would the monthly payment be for 2075 N KEENE ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,342/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 2075 N KEENE ROAD?+

The most recent tax bill on record (2025) was $7,875. 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 $399,000, this home is listed about 33% above the Clearwater median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2075 N KEENE ROAD?+

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.

The brief

Three things that matter here

01Positioned at the premium end

$399,000 runs 25% above the CLEARWATER 33755 median — but at 1,788 sqft it's also 40% larger than 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

Dunedin Elementary School, Dunedin Highland Middle School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of REAL BROKER, LLC · Marianne Knowles. MLS #TB8554259.

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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