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5231 BAY ISLE CIRCLE, Clearwater, FL, 33760 | $323,000
A fresh start under the Florida sun is waiting for you at this Bay Isle Landings townhouse with NO FLOOD INSURANCE REQUIRED!
This property also qualifies for a 4. 49% rate for the first 7 years!
Tucked inside the GATED community, this move-in ready townhome delivers the perfect blend of modern design, peace of mind, and everyday comfort. With over 1, 444 sq/ft of thoughtfully designed space, it’s your personal slice of Paradise in the heart of Clearwater!
Built in 2016, the home showcases TALL CEILINGS and an OPEN-CONCEPT LAYOUT that welcomes light and connection throughout. The KITCHEN anchors the main level — featuring GRANITE COUNTERTOPS, sleek black appliances, a cozy breakfast nook, ample cabinet space, and a LARGE CLOSET PANTRY. Whether you’re hosting dinner with friends or enjoying a quiet morning coffee, this space sets the perfect tone.
A half bath on the main floor adds convenience, while the SCREENED-IN LANAI becomes your private escape — west-facing, ideal for sunset views and relaxing evenings under Florida skies.
Upstairs, the Primary Suite feels like a retreat of its own. You’ll love the WALK-IN CLOSET, and the spa-inspired bath complete with DUAL VANITIES and a STEP-IN SHOWER. Two additional bedrooms share a FULL BATH, offering flexibility for guests, a home office, creative space, or workout room.
The FULL-SIZE WASHER & DRYER are conveniently located upstairs for ease and efficiency.
Just across the street, the COMMUNITY POOL invites you to unwind, cool off, and connect with neighbors — a resort-style amenity that enhances daily life with a splash of fun and relaxation.
Rest easy knowing this home experienced NO DAMAGE DURING LAST YEAR’S HURRICANES, and the seller has meticulously maintained and serviced all systems since ownership.
Additional highlights include a 1-CAR GARAGE, PET-FRIENDLY policies, and LOW MONTHLY HOA FEES ($340). This ALL-AGES COMMUNITY is ideal for full-time living or your seasonal Florida getaway.
Enjoy unbeatable convenience with St. Pete–Clearwater Airport just 5 minutes away, quick access to I-275 via the Gateway Expressway, and both Tampa shopping and Downtown St. Pete only 20 minutes in either direction.
This isn’t just a place to live — it’s a LIFESTYLE.
Features
- Rooms: 5
- Bedrooms: 3
- Baths: 2 full / 1 half
- Laundry: Inside, Laundry Closet, Washer Hookup
- Year Built: 2016
- Garage: 1-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,444
- Acreage: 0.03
- Est. Taxes: $4,858
- HOA Fee: $340 Monthly
- Lot Desc: Cul-De-Sac, Near Public Transit, Sidewalk
- Pet Policy: Breed Restrictions, Cats OK, Dogs OK, Number Limit
- Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- MLS#: TB8406855
- Days on Market: 195 days
- Website: https://www.raveis.com
/prop/TB8406855/5231bayislecircle_clearwater_fl?source=qrflyer
Listing courtesy of KELLER WILLIAMS GULFSIDE RLTY Phone: 727-489-0800
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
5231 BAY ISLE CIRCLE, Clearwater, FL, 33760
$323,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $258,400 | $258,400 | $258,400 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 6.000% | 5.250% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.209% | 6.178% | 5.541% |
| Monthly Tax Payment | $405 | $405 | $405 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,467 | $1,549 | $2,077 |
| Total Monthly Payment | $1,947 | $2,029 | $2,557 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388