Current listings and prices

Clearwater Beach currently has updating active listings. The median list price is updating and the average is updating. Median is the typical condo. Average can sit higher when a Gulf-to-bay estate, a Sandpearl stack, or a pre-construction card is in the mix. Median price per square foot is updating. Median living area is about updating square feet. Homes stay on the market about updating days (median), with an average of updating days.

Those figures mix Gulf-front towers, Intracoastal buildings, Island Estates condos, a thinner single-family set, and pre-construction. Use the median and the listings table on this page. I will not paste a static price into this guide.

What this market is

Most inventory is condominiums. Condos dominate because the product is towers and mid-rises on Gulf Boulevard, South Gulfview, Mandalay, Baymont, and Island Way. You will also see townhouses and a thinner single-family set. A water view is not automatic. Confirm the listing photo and the flood determination, not the neighborhood name.

Pockets that search as Clearwater Beach include:

• Pier 60 / Mandalay / Baymont resort towers
• Island Estates (Intracoastal, aquarium side, some boat slips)
• Sand Key south of the pass, including Isle of Sand Key, South Beach, South Bay, and similar plats
• Pre-construction at Viceroy Residences, 551 / 805 S Gulfview

Listing searches can split the same block across more than one plat name. If a saved search looks thin, the subdivision line on the listing is often the reason.

Who it fits

It fits buyers who want a Gulf or Intracoastal file and can live with a condo association, insurance quotes, and lease rules. Second-home and seasonal buyers land here when the payment works after HOA, wind, and flood. It is a weaker fit if you want a new-build HOA street with a yard and no association approval. Look at mainland Clearwater or Harbor Oaks instead of forcing the beach to be a bungalow neighborhood.

What buyers should know

The condo questionnaire is the real work. Buildings differ on reserves, special assessments, rental caps, minimum lease terms, pet limits, and whether the association must approve the buyer. Some buildings allow weekly rentals. Others require a year of ownership before any lease. Read the docs on the unit you want.

Flood is a unit-by-unit question. Listings I have pulled on Gulf Boulevard and Sand Key often sit in FEMA Zone AE or VE. Some Island Estates cards come back Zone X. That is not a free pass for the next door down. Confirm the current FEMA determination and get wind and flood quotes before you write the offer. Do not copy a neighbor's policy.

Monthly association fees on beach condos are not a rounding error. Budget the fee with taxes and insurance, not after. A few buildings are co-ops rather than condos; those files often lean cash and have their own board rules.

I originate the Florida mortgage and can represent you on the unit so the insurance bind, the condo questionnaire, and the loan questions happen before you write the offer.

Frequently asked questions

How do I see current prices in Clearwater Beach?

Use the market snapshot and listings on this page. Those numbers update with inventory. I will not invent a static median here.

Are there single-family homes, or is it all condos?

Condos dominate. Single-family residences exist, but they are the thinner set. Filter the listings table rather than assuming a house on every block.

Is Sand Key the same as Clearwater Beach?

Sand Key is the barrier island south of Clearwater Pass. Many Sand Key listings still use a Clearwater Beach city line and ZIP 33767. The walk, the traffic, and the building rules are not the same as Pier 60. Look at the address, not only the city field. For one Sand Key tower, see Isle of Sand Key.

Do I need flood insurance?

Often yes on Gulf-front and low-floor units in AE or VE. Some Island Estates and elevated new-construction files come back Zone X. The quote still depends on the specific unit, the floor, the foundation, and the lender. Ask for the current determination. Do not guess from the street name.

Can I finance a condo or co-op here?

Many condos finance with conventional or cash. Co-ops and buildings with heavy rental use, thin reserves, or pending assessments can shrink the lender list. I originate mortgages anywhere in Florida through PMF, Inc. (NMLS 2621894). Approvals stay conditional on lender review of the building and the borrower.

How do I tour homes?

Browse current listings and we will set showings from there. Listing tours do not go through a consultation calendar.

Work with Jonathan

I am Jonathan Loescher, a Tampa Bay Realtor and Loan Originator (SL3546365, NMLS 2621894). I originate mortgages anywhere in Florida through PMF, Inc. Real estate work for this practice is Tampa Bay, including Clearwater Beach. You do not have to use both licenses. Book a consultation, apply for a loan, or browse listings.