CENTURY 21 Edge
$2,399,0003 bd2.5 ba2,015 sqft$1,191 /sqft≈$16,310 /mo all-in ↓

10 PAPAYA STREET UNIT 1006, CLEARWATER, FL, 33767

Active0 days on marketListed Oct 13, 2026MLS #TB8556893

WaterfrontFully furnishedCondominiumMANDALAY BEACH CLUB CONDO

About this home

10 PAPAYA STREET UNIT 1006

This RARE INTERIOR RESIDENCE at Mandalay Beach Club offers both views, overlooking the Gulf, Clearwater Beach, the resort-style pool, and the Intracoastal Waterway. Imagine waking up to peaceful views of Clearwater Bay and ending the day with a spectacular Gulf sunset. *** Located on the 10th floor of the Papaya building, the spacious Sonesta floor plan features 3 bedrooms, 2.5 bathrooms, and TWO EXPANSIVE BALCONIES showcasing the beauty of coastal living. *** ONE BALCONY FACES THE GULF AND BEACH, perfect for enjoying sunsets, while the SECOND BALCONY OVERLOOKS THE INTRACOASTAL and Clearwater Bay. *** Both balconies offer generous outdoor space with multiple access points throughout the residence. *** Wood flooring extends throughout the home, which features a spacious family and living area, kitchen with breakfast nook, and separate laundry room. *** The Gulf-facing primary suite enjoys BEAUTIFUL BEACHFRONT VIEWS and sliding glass doors to the Gulf balcony. Its spacious bathroom offers a second waterfront perspective through a large window above the bathtub overlooking the Intracoastal. *** DUAL VANITIES, a glass-enclosed walk-in shower, a PRIVATE water closet, and a WALK-IN closet complete the suite. *** The Intracoastal-facing guest suite features a private bathroom with single-sink vanity and bathtub, a walk-in closet, and sliding doors to the bay-facing balcony, ideal for watching 4th of July fireworks. *** The THIRD BEDROOM, off the main living area, is equally suited as a bedroom, office, or study, with double glass-paned French doors and a CLOSET. *** FURNISHINGS and televisions may convey if desired. An assigned parking space and storage locker are included. Each floor offers three elevators, stairs, and a garbage chute closet. *** Mandalay Beach Club offers CONCIERGE SERVICES, 24/7 SECURITY monitoring, a private parking garage with beach access, and elegant lobbies with secure, fob-controlled street access. *** The expansive third-floor RESORT-STYLE POOL deck connects the Papaya and San Marco buildings, offering a beautiful setting for relaxation and entertaining. *** Finished with pavers, the deck features a spacious pool, private jetted hot tub, freestanding poolside shower, chaise lounges, tables with umbrellas, and covered seating areas. *** Two gas grills provide outdoor cooking, while stairs connect the pool area to the parking garage and beach access. *** The pool CLUBHOUSE can be privately reserved for gatherings and features a spacious sitting area, full kitchen, and pool access. Additional amenities include men's and women's bathrooms and saunas, a fitness center with brand-new equipment, conference room, and billiards. The pool-level lobby features seating areas with televisions and pool tables, beautifully maintained fish tanks, and separate handicap-accessible men's and women's bathrooms. Resident mailboxes are also located on this level. *** Clearwater Beach is just outside your door. Previously named the #1 beach in the United States, it is celebrated for its sugar-white sands, breathtaking sunsets, and pedestrian-friendly atmosphere. *** Restaurants, shops, and attractions are within easy reach, including the world-famous Frenchy's Rockaway Grill, just a short walk away. With beautiful water views in both directions, spacious indoor and outdoor living, and exceptional resort-style amenities, this residence captures the relaxed elegance of Clearwater Beach living.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,015

Sqft

1

Garage

2002

Year built

One

Levels

$1,191

Per sqft

WaterfrontPool & Water viewFurnishedPets allowed

Inside

FlooringTile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Cooktop · Electric Water Heater · Exhaust Fan · Freezer · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofOther
ConstructionBlock · Other
FoundationSlab
ViewPool · Water
FacesEast
ParkingAssigned · Deeded · Ground Level · Guest · Off Street · Under Building
ExteriorBalcony · Lighting · Outdoor Grill · Outdoor Shower · Sauna · Sidewalk · Sliding Doors · Storage

Community & fees

Taxes (2025)$27,667/yr
PetsYes
CommunityGulf/Ocean Front · Water Access · Waterfront · Clubhouse · Fitness Center · Gated Community - Guard · Golf Carts OK · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Phone Available · Public · 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.

$16,310 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$12,945
PMI (est., until 20% equity)$900
Property tax — 2025 actual bill$2,306
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $239,900Loan30-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% · $239,900
Interest rate6.00%
Loan term

Estimated payment

$16,310/mo

Principal & interest$12,945
PMI (est., until 20% equity)$900
Property taxes (actual bill)$2,306
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 $2.4M
$1.0MedgeAI estimate $1,201,722 · range $1.1M–$1.3M$2.5M

vs edgeAI estimate

+99.6%

Days on market

0 vs 70 typical

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)≈ 34 min
Downtown Tampa≈ 37 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)

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

This home is listed 357% above the CLEARWATER 33767 median. See the full Clearwater market guide →

Paper trail

This home's history

Oct 13, 2026Listed at $2,399,000 · 0 days on market since
2002Built · MANDALAY BEACH CLUB CONDO

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.

Frederick Paige

Your agent

Frederick Paige

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 10 PAPAYA STREET UNIT 1006 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10 PAPAYA STREET UNIT 1006 — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

10 PAPAYA STREET UNIT 1006 FAQs

What would the monthly payment be for 10 PAPAYA STREET UNIT 1006?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,310/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 10 PAPAYA STREET UNIT 1006?+

The most recent tax bill on record (2025) was $27,667. 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 10 PAPAYA STREET UNIT 1006?+

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 $2,399,000, this home is listed about 702% above the Clearwater median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 10 PAPAYA STREET UNIT 1006?+

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

Four things that matter here

01Positioned at the premium end

$2,399,000 runs 357% above the CLEARWATER 33767 median — but at 2,015 sqft it's also 57% 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.

03Fresh on the market

Listed today in a Clearwater market that averages 70 — if it fits, move quickly.

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.

Listing courtesy of FLORIDA LUXURY GROUP · Anna Dementov. MLS #TB8556893.

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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