2304 SAINT CHARLES DRIVE, CLEARWATER, FL, 33764
Active3 days on marketListed Nov 4, 2026MLS #TB8564573
About this home
2304 SAINT CHARLES DRIVE
Welcome to 2304 Saint Charles Drive in the desirable Morningside Estates community! No flood insurance required. This beautifully maintained home offers two large bedrooms and two bathrooms, and it sits on a lush, private, fenced backyard with space to add a pool. Located in a quiet, established neighborhood, it is just 5 miles from Clearwater Beach and near Tampa International Airport. Boasting incredible curb appeal, the home features hurricane impact doors and windows, granite kitchen counters, ceramic tile flooring throughout, and two separate living areas, along with extra storage closets, a laundry room, and a pantry. The home is a short walk from the Morningside Recreation Complex, which includes a pool, gym, and pickleball and tennis courts, as well as the McMullen Tennis Complex. The Duke Energy Trail is within biking distance. It is also centrally located near shopping, dining, major roadways, and the renowned Gulf beaches.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,722
Sqft
0.23 ac
Lot size
2
Garage
1965
Year built
One
Levels
$334
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.
$4,522 /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
$4,522/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
+41.4%
$/sqft vs Clearwater actives
$334 vs $238
Days on market
3 vs 56 typical
Where $334/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 Morningside
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Morningside — neighborhood snapshot
Population
1,383
Median age
51
Median income
$97,486
Median home value
$396,424
Avg household
2
Households w/ children
87%
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)
196 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 184% above the CLEARWATER 33764 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2304 SAINT CHARLES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$450,000
2424 FAIRBANKS DRIVE · same community
2 bd · 2 ba · 1,665 sqft · $270/sqft · 148 DOM
Sold · Jun ’26$439,900
2272 HABERSHAM DRIVE · same community
3 bd · 2 ba · 1,578 sqft · $279/sqft · 5 DOM
Sold · Jul ’26$450,000
2288 HABERSHAM DRIVE · same community
3 bd · 2 ba · 1,570 sqft · $287/sqft · 11 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 2304 SAINT CHARLES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2304 SAINT CHARLES DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2304 SAINT CHARLES DRIVE FAQs
What would the monthly payment be for 2304 SAINT CHARLES DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,522/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 2304 SAINT CHARLES DRIVE?+
The most recent tax bill on record (2025) was $6,333. 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 $575,000, this home is listed about 92% above the Clearwater median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2304 SAINT CHARLES DRIVE?+
Oak Grove Middle School (middle), Clearwater High School (high), Belcher Elementary School (elementary) — 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
$575,000 runs 184% above the CLEARWATER 33764 median — but at 1,722 sqft it's also 35% larger than the typical Clearwater listing.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 3 days on market in a Clearwater market that averages 56 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LISTED SIMPLY · Sinan Zakaria. MLS #TB8564573.
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 2304 SAINT CHARLES DRIVE 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 Nicholas to ping you on any price or status change →