$3,400,000
631 Harbor Island
Clearwater Beach, FL 33767
Listing updated: June 5, 2026 at 8:49 AM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Welcome to Wow, welcome to 631 Harbor Island! This 2653-square-foot single-level waterfront residence is a masterclass in intentional design. While the original slab, exterior walls, and roof remain solidly intact, the current owner has completely transformed the interior - essentially rebuilding the home from the inside out – every surface, system and finish has been upgraded to high-end, luxury standards with meticulous care and attention to every detail in partnership with Premier Construction of Tampa. 30X30 porcelain tiles, Subzero, Miele, Cove and Wolf appliances and spa-like bathrooms create an environment that feels brand new and meticulously curated. The layout was designed for coastal living. Four spacious bedrooms and 3.5 spa-like bathrooms are all on one level with zero stairs. No oversized maintenance. No wasted space. Just pure, intentional luxury that delivers more effortless enjoyment—and more value—than homes twice its size. Open-concept living spaces bathe in natural light and flow seamlessly to the outdoors, perfect for both intimate evenings and larger gatherings. Step outside and magic unfolds: A newly reimagined pool and spa with fire boxes, sundeck, outdoor shower, sauna, kitchen fit for a king to entertain to your heart’s delight with premium Sonos sound, multiple TVs to watch the Big Game, and places to sit, relax and watch the sun rise, the dolphins play and boats glide by. The dock, covered 26K-lb boatlift, 50+-ft wet slip with wrapped pilings are all new and include water and electric. There was no skimping on the toy box of the home either (garage). Complete with an epoxy floor and its own mini-split AC to keep cars cool and comfortable in the Florida summers. This is coastal living distilled to its most refined form—with every luxury thoughtfully placed. If you’ve been searching for a waterfront retreat that feels fresh, personal, and truly special, this is the one. The combination of completely renovated luxury, single-level living, and that rare open Intracoastal frontage makes this property stand in a class of its own. Don’t miss your chance to experience it in person. Request your private showing today — once you stand outside and take in those endless views, you’ll understand exactly why this home stands apart.
Local Insight
At $3.4M for a 1969 build on just over a quarter-acre, you're paying top dollar primarily for the Clearwater Beach waterfront location and direct water access rather than a newer structure—the per-square-foot price reflects that premium. The AE flood zone is a serious consideration here; get a detailed flood elevation report and understand your insurance costs, since this older property may have baseline flood insurance requirements that could run $4K-8K+ annually. The lack of HOA is a genuine plus for waterfront in this area, but factor in that maintaining a 54-year-old poolside home in a salt-air environment typically means ongoing costs for seawall, mechanical systems, and weatherproofing that often exceed typical single-family expenses.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history38 days on market
- Status: ActiveApr 28, 2026
- Listed$3,400,000Apr 28, 2026
- Price increased$3,400,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 38
- Subdivision
- Island Estate Of Clearwater Units 6d 7a 7c
- County
- Pinellas
- Year built
- 1969
- Living area
- 2,653 sq ft
- Price/sq ft
- $1,282
- Building area
- 3,742 sq ft (Public Records)
- Lot size
- 11,326 sq ft
- Lot category
- 1/4 to less than 1/2
- Flood zone
- AE (12103C0102H)
- Garage
- 2 spaces
- Pool
- Private pool
- Annual taxes
- $29,411 (2025)
- Parcel #
- 05-29-15-43456-073-0100
- MLS #
- TB8494006
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Half bathrooms
- 1
- Flooring
- Tile
- Appliances
- Bar Fridge, Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
- Interior features
- Built-in Features, Ceiling Fans(s), Open Floorplan, Other, Primary Bedroom Main Floor, Smart Home, Solid Wood Cabinets, Split Bedroom, Stone Counters, Walk-In Closet(s), Wet Bar, Window Treatments
- Laundry
- Laundry Room
- Stories / Levels
- One
- Direction faces
- West
- Fireplace
- Yes
Heating & Cooling
- Heating
- Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1 Month
- Listing terms
- Cash, Conventional
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Fire Pit, Lighting, Outdoor Grill, Outdoor Kitchen, Outdoor Shower, Sauna
- Construction materials
- Stucco
- Roof
- Concrete
- Foundation
- Slab
- Pool
- Private pool
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public, See Remarks
- Utilities
- Cable Available, Electricity Available, Natural Gas Connected, Sewer Connected, Underground Utilities, Water Connected
Community
- Pets allowed
- Breed Restrictions, Cats OK, Dogs OK, Number Limit, Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 10x22 |
| Primary Bedroom | First | 20x12 |
| Great Room | First | 13x13 |
Listing Details
- Listing date
- 2026-04-28
- On market date
- 2026-04-28
- Original list price
- $3,400,000
- Occupant type
- Owner
- MLS area
- 33767 - Clearwater/Clearwater Beach
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-04-28
- Tax legal description
- ISLAND EST OF CLEARWATER UNITS 6D, 7A, 7C UNIT 7C, LOT 10
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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Based on information submitted to the MLS GRID as of June 5, 2026 at 8:49 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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