644 ISLAND WAY UNIT 603, CLEARWATER BEACH, FL, 33767
Active1 days on marketListed Aug 13, 2026MLS #TB8535295
About this home
644 ISLAND WAY UNIT 603
WELCOME TO 644 ISLAND WAY #603—A STUNNING DIRECT WATERFRONT RESIDENCE ON ISLAND ESTATES! From the moment you enter, the expansive water views take center stage in this beautifully reimagined sixth-floor home. Completely remodeled in 2022 with new plumbing, new electrical wiring and a thoughtfully redesigned floor plan, the residence seamlessly connects the kitchen, dining and living areas while maximizing the incredible waterfront setting. Hurricane-rated windows installed in 2023 frame the views and fill the home with natural light. The coastal-chic interior features a beautifully appointed kitchen with custom storage, glass-door pantry with built-in microwave, dedicated ice machine and an adjoining bar with wine refrigerator and sink. Smart-home technology allows many features, including appliances and outlets, to be conveniently controlled from your phone. Both bathrooms offer sophisticated finishes and Moen digital shower controls, while the redesigned primary bath creates a true retreat with a bubble spa tub and waterfall feature. Even the utility spaces were carefully considered—the electrical panel was relocated to the spacious laundry/storage room, which offers additional flexibility for a refrigerator or freezer, and additional storage is located near the HVAC. The thoughtfully designed renovation, quality finishes and attention to detail throughout make this residence truly stand apart. Furnishings are negotiable, and the television may remain with an acceptable offer. Enjoy DIRECT WATERFRONT living on Island Estates with a waterfront heated pool, community room, kayak launch and the convenience of ONE COVERED PARKING SPACE. Boat slips are rented through the association, subject to availability. The community allows ONE RENTAL PER YEAR and is limited to a NINE-UNIT RENTAL CAP. All of this just minutes from Clearwater Beach, shopping, dining, recreation and everything the area has to offer. COME LIVE THE LIFESTYLE, COME LIVE ON THE ISLAND!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,315
Sqft
0 ac
Lot size
1972
Year built
One
Levels
$379
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.
$3,890 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$3,890/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.
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
−0.4%
$/sqft vs Clearwater Beach actives
$379 vs $569
Days on market
1 vs 65 typical
Where $379/sqft sits among the 270 Clearwater Beach 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 Island Estate
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater Beach. See the full Clearwater Beach guide →
Island Estate — neighborhood snapshot
Population
2,783
Median age
62
Median income
$108,222
Median home value
$631,400
Avg household
2
Households w/ children
223
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 Beach market
$535K → $885K
Clearwater Beach median sold, yr/yr
93.9%
Sale-to-list ratio (12 mo)
117 of 270
Clearwater Beach actives have cut their price
Median sold price, Clearwater Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the CLEARWATER BEACH 33767 median. See the full Clearwater Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 644 ISLAND WAY UNIT 603
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$390,000
644 ISLAND WAY UNIT 702 · same community
2 bd · 2 ba · 1,335 sqft · $292/sqft · 20 DOM
Sold · Mar ’26$230,000
644 ISLAND WAY UNIT 206 · same community
2 bd · 2 ba · 1,335 sqft · $172/sqft · 372 DOM
Sold · Jan ’26$370,000
800 S GULFVIEW BOULEVARD UNIT 806
2 bd · 2 ba · 1,310 sqft · $282/sqft · 64 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
Freddy Flores
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 644 ISLAND WAY UNIT 603 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 644 ISLAND WAY UNIT 603 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Freddy's phone and CRM.
Straight answers
644 ISLAND WAY UNIT 603 FAQs
What would the monthly payment be for 644 ISLAND WAY UNIT 603?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,890/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 644 ISLAND WAY UNIT 603?+
The most recent tax bill on record (2025) was $6,861. 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 644 ISLAND WAY UNIT 603?+
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 Beach?+
At $499,000, this home is listed about 37% below the Clearwater Beach median of $795,500. The market section on this page shows how the area is trending.
Which schools are assigned to 644 ISLAND WAY UNIT 603?+
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
01Under the CLEARWATER BEACH 33767 market on paper
$499,000 is 8% below the CLEARWATER BEACH 33767 median of $541,000, and at $379/sqft it sits under the Clearwater Beach average of $670.
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 1 day on market in a Clearwater Beach market that averages 65 — 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.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PROPERTIES GROUP INTERNATIONAL · Vickee Walthall. MLS #TB8535295.
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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