1020 SUNSET POINT ROAD UNIT 404, CLEARWATER, FL, 33755
Active5 days on marketListed Nov 2, 2026MLS #TB8563199
About this home
1020 SUNSET POINT ROAD UNIT 404
Most people visit the water. You'd wake up on it. You've read "breathtaking" a hundred times this week, so here's the plain truth about this particular residence at Serena by the Sea: the view is the first thing you'll notice and the last thing you'll want to leave. Full waterfront from EVERY ROOM, with Clearwater Bay and the Intracoastal spread out in front of a balcony big enough to host a sunset dinner, or just you and a very good bottle of wine. Inside, sophisticated Italian finishes, designer décor and upgrades throughout meet a split-bedroom plan, so guests get their own wing and you get your peace. The building is a new construction gated boutique of only seven stories. It has 24/7 concierge, a heated saltwater pool on the water, private cabanas, a wellness spa with sauna and cold plunge, and a fitness center and clubhouse. It’s not just a condo, it’s a new level of luxury and sophistication. The lifestyle you have been looking for. The whole staff, from Concierge, to manager to maintenance staff are there to make your life as pleasant and as smooth as possible. You will feel pampered like in a 5 star hotel! Yet, it is your home. Downtown Dunedin's cafés and Downtown Clearwater restaurants and theatre are minutes away, and Clearwater Beach is a short drive. A word of honesty: full waterfront residences in this building rarely wait, and neither do the buyers who want them. If you're already picturing your morning coffee out there, take that as your sign.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,428
Sqft
2.95 ac
Lot size
1
Garage
2023
Year built
One
Levels
$1,050
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.
$11,806 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$11,806/mo
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.
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
+75.1%
$/sqft vs SERENA BY THE SEA CONDO
$1,050 vs $968
Days on market
5 vs 55 typical
Where $1,050/sqft sits among the 6 homes for sale in SERENA BY THE SEA CONDO
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
27,476
Median age
40.8
Median income
$62,886
Median home value
$328,700
Avg household
2.47
Households w/ children
2,864
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
$330K → $275K
Clearwater median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
1 of 6
SERENA BY THE SEA CONDO have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 329% above the CLEARWATER 33755 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1020 SUNSET POINT ROAD UNIT 404
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$340,000
1431 KINGS HIGHWAY
2 bd · 2 ba · 1,444 sqft · $235/sqft · 229 DOM
Sold · Mar ’26$295,000
1340 OVERLEA STREET
3 bd · 2 ba · 1,368 sqft · $216/sqft · 90 DOM
Sold · Mar ’26$270,000
902 MARSHALL STREET
3 bd · 2 ba · 1,358 sqft · $199/sqft · 12 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1020 SUNSET POINT ROAD UNIT 404 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1020 SUNSET POINT ROAD UNIT 404 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1020 SUNSET POINT ROAD UNIT 404 FAQs
What would the monthly payment be for 1020 SUNSET POINT ROAD UNIT 404?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $11,806/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 1020 SUNSET POINT ROAD UNIT 404?+
The most recent tax bill on record (2026) was $19,733. 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 1020 SUNSET POINT ROAD UNIT 404?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Size Limit. 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 $1,500,000, this home is listed about 400% above the Clearwater median of $299,737. The market section on this page shows how the area is trending.
Which schools are assigned to 1020 SUNSET POINT ROAD UNIT 404?+
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
Four things that matter here
01Positioned at the premium end
$1,500,000 runs 329% above the CLEARWATER 33755 median.
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
Only 5 days on market in a Clearwater market that averages 55 — if it fits, move quickly.
04Strong 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 GREAT HOMES REALTY INC · Paola Lombardi. MLS #TB8563199.
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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