$515,000
320 Island Way
Clearwater Beach, FL 33767
Listing updated: June 4, 2026 at 6:53 AM ET
Listing courtesy of Magnate Realty, Llc · Chrisy Tellis · MLS #TB8512455 · Active · 727-424-6499Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage spaces
Flood zone
About this home
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.
Local Insight
At $303/sqft in Clearwater Beach, you're getting decent pricing for the area, but that AE flood zone designation means mandatory flood insurance—factor in several hundred dollars monthly on top of the $946 HOA, which is substantial for a townhouse. The 1.57-acre lot is unusually generous for this product type and location, so if you're planning renovations or additions, that's genuine upside, but verify exactly what you can actually build on given the flood zone restrictions. The 1995 construction age combined with being in an active storm surge zone means a thorough inspection of the roof, foundation, and any water intrusion history is non-negotiable before committing.
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 history1 days on market
- Status: ActiveJun 3, 2026
- Listed$515,000Jun 3, 2026
- Price increased$515,000
Facts & features
- Property type
- Residential
- Sub type
- Townhouse
- Status
- Active
- Days on market
- 1
- Subdivision
- Cutter Cove Condo
- County
- Pinellas
- Year built
- 1995
- Living area
- 1,700 sq ft
- Price/sq ft
- $303
- Lot size
- 68,212 sq ft
- Lot category
- 1 to less than 2
- Flood zone
- AE (12103C0102H)
- Garage
- 2 spaces
- Annual taxes
- $4,553 (2025)
- Parcel #
- 08-29-15-20194-001-0304
- MLS #
- TB8512455
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Interior Details
- Bedrooms
- 3
- Full bathrooms
- 3
- Flooring
- Hardwood, Marble, Tile
- Appliances
- Dishwasher, Disposal, Ice Maker, Microwave, Range, Refrigerator
- Interior features
- 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)
- Laundry
- Inside, Laundry Room, Upper Level
- Stories / Levels
- Three Or More
- Direction faces
- North
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $946 / Monthly
- Monthly HOA
- $946/mo
- Total monthly fees
- $946/mo
- Total annual fees
- $11,352
- HOA name
- Tad Johnson
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1 Month
- Listing terms
- Cash, Conventional
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Confirm lease restrictions with Management/HOA if important
- Approval process
- See condo rules, application in attachments
Exterior & Construction
- Exterior features
- Balcony, Lighting, Rain Gutters, Sidewalk, Sliding Doors
- Construction materials
- Vinyl Siding, Frame
- Roof
- Built-Up, Shingle
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Connected, Electricity Connected, Public
Community
- Pets allowed
- Cats OK, Dogs OK
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | Second | 15x15 |
| Kitchen | Second | 11x10 |
| Primary Bedroom | Third | 13x12 |
Listing Details
- Listing date
- 2026-06-03
- On market date
- 2026-06-03
- Original list price
- $515,000
- Occupant type
- Owner
- MLS area
- 33767 - Clearwater/Clearwater Beach
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-06-03
- Tax legal description
- CUTTER COVE CONDO ( PHASE 1 ) BLDG 3, UNIT 304
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
riving West on SR 60 across the Memorial Causeway to light at Island Way. Turn onto Island Way and Cutter is just past Publix Left at Dory and in to Cutter Cove Townhome Community.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of June 4, 2026 at 6:53 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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