500 N OSCEOLA AVENUE UNIT 604, CLEARWATER, FL, 33755
Active7 days on marketListed Oct 16, 2026MLS #TB8558852
About this home
500 N OSCEOLA AVENUE UNIT 604
Wake up to Intracoastal water views and a downtown Clearwater skyline from this 6th-floor, 2-bedroom, 2-bath waterfront condo. Sunrises, sunsets, boat traffic, and city lights are all part of the daily view. The condo is ready to live in as-is, but it's dated and ready for a new owner's personal touch. Flooring is the most obvious upgrade, and the rest is a blank canvas. Bring your vision and build equity with a renovation you design yourself! The big-ticket items are already done-the AC was replaced in 2019, and the water heater in 2024. Electric storm shutters are in place for hurricane season, and an in-unit washer and dryer means no shared laundry room. The HOA fee covers nearly everything—just pay for electricity, cable, and internet. The location is ideal—just steps from Coachman Park, The Baycare Sound, Seminole Boat Ramp, Francis Wilson Playhouse, and an array of restaurants and shops. With so many exciting new developments on the horizon like the new Ballad Hotel, and the $50M EVO Entertainment complex coming to downtown Clearwater, now is the perfect time to invest in this vibrant area. Don’t miss your chance to own a waterfront gem in one of Clearwater’s most desirable neighborhoods—get in before it’s too late!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,090
Sqft
1.93 ac
Lot size
1974
Year built
One
Levels
$275
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 and the real association fee — not generic estimates.
$3,751 /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
$3,751/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
−7.7%
$/sqft vs Clearwater actives
$275 vs $248
Days on market
7 vs 62 typical
Where $275/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)
237 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% below the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 500 N OSCEOLA AVENUE UNIT 604
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$293,000
500 N OSCEOLA AVENUE UNIT 203 · same community
2 bd · 2 ba · 1,090 sqft · $269/sqft · 84 DOM
Sold · Aug ’26$360,000
500 N OSCEOLA AVENUE UNIT 303 · same community
2 bd · 2 ba · 1,090 sqft · $330/sqft · 0 DOM
Sold · Oct ’26$320,000
500 N OSCEOLA AVENUE UNIT 810 · same community
2 bd · 2 ba · 1,060 sqft · $302/sqft · 176 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 500 N OSCEOLA AVENUE UNIT 604 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 500 N OSCEOLA AVENUE UNIT 604 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
500 N OSCEOLA AVENUE UNIT 604 FAQs
What would the monthly payment be for 500 N OSCEOLA AVENUE UNIT 604?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,751/mo — principal and interest, the actual property-tax bill, the $962/mo association fee 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.
How much are the HOA fees at 500 N OSCEOLA AVENUE UNIT 604?+
The association fee works out to $962 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 500 N OSCEOLA AVENUE UNIT 604?+
The most recent tax bill on record (2025) was $5,235. 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 500 N OSCEOLA AVENUE UNIT 604?+
The listing reports pets: Cats OK. 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 $300,000, this home is priced right at the Clearwater median.
Which schools are assigned to 500 N OSCEOLA AVENUE UNIT 604?+
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.
The brief
Five things that matter here
01Under the CLEARWATER 33755 market on paper
$300,000 is 9% below the CLEARWATER 33755 median of $330,000, and at $275/sqft it sits under the Clearwater average of $295.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $962/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 7 days on market in a Clearwater market that averages 62 — if it fits, move quickly.
05Strong assigned schools
Sandy Lane Elementary School, Dunedin Highland Middle School, Dunedin High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of THE SHOP REAL ESTATE CO. · Jenna Kuzma. MLS #TB8558852.
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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