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About this home
320 Island Way #304 is a 1995-built home in Cutter Cove Condo, Clearwater Beach. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,700 square feet of living space. Listed at $489,000 (about $288/sqft), 134 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $946 monthly.
Virtually Staged. One or more photos have been virtually staged. Welcome to Cutter Cove on highly desirable Island Estates! This beautifully updated townhome offers approximately 1,700 square feet of living space featuring 3 bedrooms, 3 full baths, a versatile loft, an oversized 3-car garage, and three levels of outdoor living. Thirty-day rentals are permitted, making this an excellent primary residence, vacation home, or investment property. This Remodeled home features an updated kitchen with granite countertops, stainless steel appliances, breakfast bar, and abundant cabinetry. The open-concept floor plan is enhanced by engineered hardwood flooring, marble bathroom floors, crown molding, updated sliding glass doors, and a new HVAC system installed in 2025. A standout feature is the finished first-floor game room/man cave with durable epoxy flooring, offering flexible space for entertaining, a home gym, media room, hobby area, or BONUS LIVING space. The loft provides additional flexibility for a home office, guest retreat, or playroom. Recent community improvements include new roofs completed in 2024 and building tenting in 2025 with a transferable termite bond. Residents enjoy resort-style amenities including a waterfront pool and spa, grilling stations, and a tiki hut gathering area. Ideally located within walking distance of Clearwater Beach, Publix, restaurants, salons, and the Clearwater Marine Aquarium. Convenient access to Clearwater-St. Pete Airport, Tampa International Airport, and downtown Tampa makes this the perfect opportunity to enjoy the Island Estates lifestyle. Experience the best of coastal living at Cutter Cove.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
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Sample: 62 closed townhouse or villa sales in Pinellas County over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A starting point, not a guarantee.
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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
$489,000
$288 per sq ft
Beds and baths
3 beds, 3 baths
Size
1,700 sq ft
Time on market
134 days
Year built
1995
Monthly payment
About $4,120/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,553 annual tax bill, insurance, and the $946/mo HOA fee.
HOA fee
$946/mo
Managed by Tad Johnson.
Flood zone
Zone AE
That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.
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