320 Island Way #304, photo 1
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Overview

3 bd3 ba1,700 sqft2 car garageTownhouse
TypeTownhouse
HOA$946/mo
Built1995
Lot68,212 sqft
Living area1,700 sqft
Price / sqft$288
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Wood Cabinets

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.

From the listing

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

Built
1995
Price / sqft
$288
On market
134 days
Annual tax
$4,553
HOA
$946/mo
Flood zone
AE
Lot
68,212 sqft
Type
Townhouse

At a glance

Townhouse
3 stories · 1995
Community pool
Shared amenity
2 car garage
1.57 acres
Lot size
1,700 sqft
Living area

Payment

Est. monthly payment
$4,120/mo
Down payment (20%)
$97,800
Property taxes
$379/mo
HOA
$946/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
1995
Lot
68,212 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
134
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Stone Counters
Walk-in Closet(s)
Balcony
Lighting
Rain Gutters
Sidewalk
Sliding Doors
Buyer Approval Required
Pool
Dishwasher
Disposal
Ice Maker
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$4,553
Parcel #
08-29-15-20194-001-0304

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
Cutter Cove Condo
County
Pinellas
MLS Area
33767 - Clearwater/Clearwater Beach
Lot Size
68,212 sqft
HOA
$946/mo
Tad Johnson

Price history

Date
Event
Price
8/10/2026
Price change
Source: Stellar MLS #TB8512455
$489,000-2.0%
$288/sqft
-
Price change
Source: Stellar MLS #TB8512455
$499,000-3.1%
$294/sqft
6/3/2026
Listed for sale
Source: Stellar MLS #TB8512455
$515,000
$303/sqft

Neighborhood

320 Island Way #304
Clearwater Beach, FL, 33767 · 33767 - Clearwater/Clearwater Beach

Market insights

Offer Insights

Choose an offer strength

List price: $489,000
$482,500 – $489,000
98.4% – 100% of listTops out right at the list price
80% of listList price
32 of the last 62 townhouse or villa closings in Pinellas County landed at this number or higher (52%). The median one sat 61 days before it went under contract, and this one is on day 134 after a $26,000 cut.

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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Calculator

Est. monthly payment
$4,120/mo
Principal & interest$2,550
Property taxes$379
Insurance$245
HOA$946
Down payment20% · $97,800
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

$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.

Offer

What should I offer?

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Brokered byMAGNATE REALTY, LLCListing agent: Chrisy TellisListing data from Stellar MLS, MLS# TB8512455.

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