500 N Osceola Ave #406, photo 1
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Overview

2 bd2 ba1,450 sqftCondominium
TypeCondominium
HOA$1,280/mo
Built1974
Lot80,069 sqft
Living area1,450 sqft
Price / sqft$361

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Primary Bedroom Main FloorSplit BedroomThermostatBalconyHurricane ShuttersStorageBuyer Approval Required

500 N Osceola Ave #406 is a 1974-built home in Harbor Bluffs Waterfront Condo, Clearwater. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,450 square feet of living space. Listed at $524,000 (about $361/sqft), 215 days on market. Flood zone X500* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,280 monthly.

From the listing

Rare 2 Bedroom 2 Bath Open Waterfront View at Harbor Bluffs Waterfront in downtown Clearwater. The balcony overlooks St. Joseph's Sound Intercoastal Waterway from the entire length of this spacious 4th floor unit from every room with floor to ceiling windows in both bedrooms and living room. Enjoy waterfront breezes while entertaining or watching wildlife, boaters and gorgeous sunsets. Harbor Bluffs is a gated waterfront condo building with 2 elevators, an interior courtyard, fitness center, pool, dock and clubhouse, all overlooking the Intercoastal. One designated storage room on the 1st floor also conveys as well as one covered parking space. There is also guest parking. Kitchen is well equipped with an electric Kenmore Elite range that offers 2 ovens for baking, as well as a convection setting. Privacy is at a premium with a split bedroom floor plan and 2 separate entrances to the unit. Primary bedroom boasts dual closets and an ensuite bathroom with a walk-in shower. This property is located near vibrant downtown, home to Ruth Eckerd’s Capital Theater and Coachman’s Park Sound Venue, both with worldwide top performers. Listen to entertainers perform from the Sound Venue FROM THE COMFORT AND PRICACY OF YOUR BALCONY! Downtown has many popular delectable restaurants, as well as fabulous shopping, the Clearwater library, several banks, Clearwater Court House, Clearwater downtown Marina, Seminole boat ramp and Clearwater Playhouse. All within a short walking distance from Harbor Bluffs Condominium. Famous Clearwater beach is just over the Clearwater Memorial Causeway, as well as the Clearwater Aquarium, home to Winter and also the popular Island Way Grill Restaurant. Enjoy walks on the beach, sunsets, entertainment and other famous restaurants on Clearwater beach. Only a short drive to Dunedin, Tarpon Springs, Tampa and St. Petersburgh. Experience a tranquil lifestyle at Harbor Bluff with excitement around every corner. New electrical panel 2023, HVAC 2023. LG Thin Q front loading washer and dryer convey with purchase. Some photos have been virtually staged.

The essentials

Built
1974
Price / sqft
$361
On market
215 days
Annual tax
$7,849
HOA
$1,280/mo
Flood zone
X500* · Low risk
Lot
80,069 sqft
Type
Condominium

At a glance

High-rise condo
10 stories · 1974
Waterfront
Intracoastal Waterway
Community pool
Fitness center too
Assigned parking
Private balcony
Outdoor space

Payment

Est. monthly payment
$4,929/mo
Down payment (20%)
$104,800
Property taxes
$654/mo
HOA
$1,280/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1974
Lot
80,069 sqft
Cooling
Central Air
Heating
Central
Parking
Assigned, Covered, Guest, Off Street, Open, Basement
Waterfront
Intracoastal Waterway
Days on Market
215
Ceiling Fans(s)
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Balcony
Hurricane Shutters
Storage
Buyer Approval Required
Clubhouse
Community Mailbox
Deed Restrictions
Fitness Center
Pool
Wheelchair Access
Convection Oven
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Softener
Elementary
Sandy Lane Elementary-PN
Middle
Dunedin Highland Middle-PN
High
Clearwater High-PN

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X500*
Annual Tax (2025)
$7,849
Parcel #
09-29-15-35849-000-0406

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Harbor Bluffs Waterfront Condo
County
Pinellas
MLS Area
33755 - Clearwater
Lot Size
80,069 sqft
HOA
$1,280/mo
Resource Property Management/Tad Johnson

Price history

Date
Event
Price
6/16/2026
Price change
Source: Stellar MLS #TB8479503
$524,000-4.6%
$361/sqft
-
Price change
Source: Stellar MLS #TB8479503
$549,000-4.5%
$379/sqft
3/12/2026
Listed for sale
Source: Stellar MLS #TB8479503
$575,000
$397/sqft

Neighborhood

500 N Osceola Ave #406
Clearwater, FL, 33755 · 33755 - Clearwater

Market insights

Offer Insights

Choose an offer strength

List price: $524,000
$520,000 – $524,000
99% – 100% of listTops out right at the list price
80% of listList price
21 of the last 41 condo closings in 33755 landed at this number or higher (51%). The median one sat 58 days before it went under contract, and this one is on day 215 after a $51,000 cut.

Sample: 41 closed condo sales in 33755 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,929/mo
Principal & interest$2,733
Property taxes$654
Insurance$262
HOA$1,280
Down payment20% · $104,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$524,000

$361 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,450 sq ft

Time on market

215 days

Year built

1974

Monthly payment

About $4,929/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,849 annual tax bill, insurance, and the $1,280/mo HOA fee.

HOA fee

$1,280/mo

Managed by Resource Property Management/Tad Johnson.

Flood zone

Zone X500*

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

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Brokered byFLORIDA PREMIERE REALTYListing agent: Anna StamasListing data from Stellar MLS, MLS# TB8479503.

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