644 ISLAND WAY, #705, Clearwater, FL, 33767 | $409,000

Welcome to effortless coastal living in this beautifully renovated penthouse condo on the 7th floor of Island Estates—offering stunning sunrise views over the water and a move-in ready lifestyle. Thoughtfully designed and fully furnished (Furnishings can be available with an acceptable offer. ) with stylish décor and high-quality furnishings, this home blends comfort and elegance in every detail. Step inside to find a spacious, light-filled layout ideal for both everyday living and working from home. A generously updated, new kitchen with quartz counters, solid wood cabinets, and an updated bathroom and fixtures, newer AC, and hot water heater add both style and peace of mind. Each generously sized bedroom features its own private bathroom and ample closet space, offering privacy and convenience for you and your guests. Need a dedicated workspace? There’s room for that too. The in-unit laundry includes a brand-new washer and dryer for added ease.

Located just moments from world-famous Clearwater Beach and Pier 60, Island Estates offers the perfect mix of island serenity and urban convenience. This private enclave features its own grocery store, charming local restaurants, and boutique shops—all within moments from your front door! The building is well-maintained with no pending assessments, and the seller has already taken care of everything, allowing for a smooth and worry-free move. The community welcomes small pets and allows rentals, though many residents are full-time, creating a close-knit, social atmosphere.

Enjoy sunny days by the outdoor pool, spend weekends boating or shelling, and take advantage of easy access to both Tampa International and St. Pete–Clearwater airports for stress-free travel. Monthly fees include water, sewer, trash and recycling services, basic cable and Wi-Fi, and access to the community pool—giving you the peace of mind that everything is taken care of. Whether you're looking for a permanent residence or a relaxing retreat, this island penthouse delivers the best of Florida living. Come see it for yourself—and fall in love with the view.

Features

  • Elevator: Y
  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 1
  • Amenities: Cable TV, Elevator(s), Lobby Key Required, Pool
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside, Laundry Closet
  • Complex: ISLAND POINT 1 CONDO
  • Year Built: 1972
  • Approx Sq. Feet: 1,335
  • Acreage: 1.53
  • Est. Taxes: $6,119
  • Condo Fee: $811 Monthly
  • View: Water
  • Elem. School: Sandy Lane Elementary-PN
  • Middle School: Dunedin Highland Middle-PN
  • High School: Clearwater High-PN
  • Pet Policy: Breed Restrictions, Number Limit, Size Limit, Yes
  • Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
  • MLS#: TB8422225
  • Days on Market: 91 days
  • Website: https://www.raveis.com
    /prop/TB8422225/644islandway_clearwater_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/12/2026 9:47:14 PM)

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.

Rocky LapomardoBroker Associate

954.818.2748

Rocky.Lapomardo@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
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  • 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

644 ISLAND WAY, #705, Clearwater, FL, 33767

$409,000

Rocky Lapomardo

Broker Associate

William Raveis Real Estate

Phone: 954.818.2748

Rocky.Lapomardo@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 $327,200 $327,200 $327,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.322% 6.144% 5.415%
Monthly Tax Payment $510 $510 $510
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,884 $1,960 $2,609
Total Monthly Payment $2,469 $2,545 $3,194

* 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.