644 Island Way #405, photo 1
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Overview

2 bd2 ba1,335 sqftCondominium
TypeCondominium
HOA + condo dues$1,091/mo
Built1972
Lot66,710 sqft
Living area1,335 sqft
Price / sqft$367

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

About this home

Dry BarEat-in KitchenLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersThermostatWalk-in Closet(s)Outdoor Grill

644 Island Way #405 is a 1972-built home in Island Point 1 Condo, Clearwater. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,335 square feet of living space. Listed at $489,900 (about $367/sqft), 107 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $866 monthly. Condo dues run $225 monthly.

From the listing

Experience the best of Island Estates living in this pristine, UPDATED, FULLY FURNISHED, move-in ready 2-bedroom, 2-bath condominium. Showcasing chic décor, premium finishes, and an open floor plan, this beautifully updated residence features luxury vinyl flooring throughout. The gourmet kitchen offers stainless steel appliances, solid surface countertops, a breakfast bar, and a stylish dry bar in the dining area that's perfect for entertaining. Located on the fourth floor, this bright and inviting home enjoys beautiful morning sun and partial Intracoastal water views. The spacious floor plan offers generously sized bedrooms, with the guest bedroom large enough to accommodate two queen-size beds. The primary suite features two closets, including a walk-in closet, along with abundant storage throughout the home, including storage solutions throughout the property. In unit washer and dryer are also included for added convenience. Major updates include the HVAC system and water heater (2020). This secure building offers key fob entry, security cameras, an assigned covered parking space #20. The HOA fee includes cable, water, and high-speed internet. Perfectly located on Island Estates, you'll be just minutes from Clearwater Beach and within walking distance of Publix, banks, restaurants including Island Way Grill, shops, the Clearwater Marine Aquarium, and a variety of waterfront activities. Enjoy scenic waterfront walks, bike rides, or simply relax and embrace the coastal lifestyle this highly desirable community has to offer. Boating enthusiasts will appreciate the private community dock on the Channel, with boat slips available for rent through management (subject to availability), as well as a kayak rack. Spend your evenings relaxing by the waterfront pool or private dock while watching spectacular sunsets, dolphins, and boats cruise by. Don't miss this exceptional opportunity to own a beautifully updated, fully furnished waterfront condominium in one of Clearwater's most desirable communities. Furnishings are included, making this the perfect primary residence, vacation home, or investment opportunity.

The essentials

Built
1972
Price / sqft
$367
On market
107 days
Annual tax
$5,705
HOA + condo dues
$1,091/mo
Flood zone
AE
Lot
66,710 sqft
Type
Condominium

At a glance

Condo
7 stories · 1972
Waterfront
Canal - Saltwater
Community pool
Shared amenity
1,335 sqft
Living area

Payment

Est. monthly payment
$4,366/mo
Down payment (20%)
$97,980
Property taxes
$475/mo
HOA + condo dues
$1,091/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1972
Lot
66,710 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Waterfront
Canal - Saltwater, Gulf/Ocean, Gulf/Ocean to Bay, Intracoastal Waterway
Days on Market
107
Dry Bar
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Outdoor Grill
Sidewalk
Buyer Approval Required
Deed Restrictions
Pool
Sidewalks
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Wine Refrigerator
Flood Zone AE
Annual Tax (2025)
$5,705
Parcel #
05-29-15-43465-000-4050

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
Island Point 1 Condo
County
Pinellas
MLS Area
33767 - Clearwater/Clearwater Beach
Lot Size
66,710 sqft
HOA + condo dues
$1,091/mo
$866/mo HOA plus $225/mo condo dues
Lisa Tholen, LCAM

Price history

Date
Event
Price
8/10/2026
Price change
Source: Stellar MLS #TB8521698
$489,900-2.0%
$367/sqft
-
Price change
Source: Stellar MLS #TB8521698
$499,900-16.7%
$374/sqft
6/28/2026
Listed for sale
Source: Stellar MLS #TB8521698
$599,900
$449/sqft

Neighborhood

644 Island Way #405
Clearwater, FL, 33767 · 33767 - Clearwater/Clearwater Beach

Market insights

Offer Insights

Choose an offer strength

List price: $489,900
$475,000 – $489,900
97% – 100% of listTops out right at the list price
80% of listList price
84 of the last 166 condo closings in 33767 landed at this number or higher (51%). The median one sat 73 days before it went under contract, and this one is on day 107 after a $110,000 cut.

Sample: 166 closed condo sales in 33767 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,366/mo
Principal & interest$2,555
Property taxes$475
Insurance$245
HOA$1,091
Down payment20% · $97,980
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

$489,900

$367 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,335 sq ft

Time on market

107 days

Year built

1972

Monthly payment

About $4,366/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,705 annual tax bill, insurance, and $1,091/mo in HOA and condo dues.

HOA + condo dues

$1,091/mo

$866/mo HOA plus $225/mo condo dues. Managed by Lisa Tholen, LCAM.

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?

Have another question?

Brokered byMAGNATE REALTY, LLCListing agent: Chrisy TellisListing data from Stellar MLS, MLS# TB8521698.

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