1145 CHARLES STREET, CLEARWATER, FL, 33755
Active7 days on marketListed Oct 16, 2026MLS #TB8558716
About this home
1145 CHARLES STREET
Sweet Clearwater Charmer with Endless Potential! Location, Location, Location! Discover the charm and possibilities of this delightful 2-bedroom, 1-bath concrete block cottage, ideally situated between the Pinellas Trail and the waterfront in a sought-after residential neighborhood surrounded by beautiful, established homes. Enjoy a vacation-style setting with the convenience of a Clearwater address and the highly desirable Dunedin lifestyle! The Pinellas Trail and Charles Park are just half a block away, and charming Downtown Dunedin is golf-cart friendly from here! Situated on an oversized 50' x 133' lot, this sweet cottage offers plenty of opportunity to make it your own. The home features a bonus room, a deep one-car garage with washer and dryer, and a spacious backyard with a powered and lighted utility shed—perfect for extra storage, a workshop, or hobby space. There's also plenty of room to add a pool and create your own private outdoor paradise retreat! Additional highlights include zoning for Dunedin schools, roof approximately 2012, A/C approximately 2021, and a water heater approximately 2021. No flood zone! Whether you're looking for a charming home to personalize, an investment opportunity, or a property in a fantastic location to enjoy the best of the Dunedin lifestyle, this little gem is full of possibilities. Bring your vision and make it yours!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
960
Sqft
0.15 ac
Lot size
1
Garage
1968
Year built
One
Levels
$375
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.
$3,269 /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
$3,269/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.
vs edgeAI estimate
+80.7%
$/sqft vs Clearwater actives
$375 vs $246
Days on market
7 vs 62 typical
Where $375/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 Clearwater
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33755 — neighborhood snapshot
Population
28,057
Median age
41.3
Median income
$59,613
Median home value
$300,200
Avg household
2.46
Households w/ children
2,788
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)
238 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 9% above the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1145 CHARLES STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$765,000
1144 CHARLES STREET · same community
3 bd · 2 ba · 1,283 sqft · $596/sqft · 3 DOM
Sold · Sep ’26$245,000
1413 N OSCEOLA AVENUE
2 bd · 1 ba · 968 sqft · $253/sqft · 25 DOM
Sold · Oct ’26$271,000
1609 SCOTT STREET
2 bd · 1 ba · 936 sqft · $290/sqft · 4 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1145 CHARLES STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1145 CHARLES STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1145 CHARLES STREET FAQs
What would the monthly payment be for 1145 CHARLES STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,269/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 1145 CHARLES STREET?+
The most recent tax bill on record (2025) was $5,741. 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 1145 CHARLES STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 $360,000, this home is listed about 20% above the Clearwater median of $299,785. The market section on this page shows how the area is trending.
Which schools are assigned to 1145 CHARLES STREET?+
Sandy Lane 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 COASTAL PROPERTIES GROUP INTERNATIONAL · Roberta Celiberti. MLS #TB8558716.
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.
Never miss a listing
New Clearwater homes, in your inbox
Like 1145 CHARLES STREET but not quite? A daily digest of every new listing in Clearwater — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anealya to ping you on any price or status change →