231 MIDWAY ISLAND, Clearwater Beach, FL, 33767 | $3,490,000

Experience refined coastal living with just the right amount of Florida flair in this elegant Spanish Mediterranean waterfront residence, perfectly positioned on the sparkling Intracoastal waters of Clearwater Bay. Think luxury, sunshine, salt air, and enough waterfront charm to make your friends suddenly “available” every weekend.

Move-in ready and partially furnished with curated Restoration Hardware pieces, this home makes stepping into the coastal lifestyle almost too easy. From the moment you enter, you’re greeted by bright, airy spaces filled with natural light and elevated by extensive custom millwork, including coffered ceilings, layered crown molding, tray ceilings, detailed wainscoting, and the kind of craftsmanship that quietly says, “Yes, this home has excellent taste. ” A private elevator services each level, adding everyday convenience with a polished luxury touch.

The gourmet kitchen is truly the heart of the home, thoughtfully designed for entertaining, everyday living, and pretending your morning coffee tastes better because you’re drinking it by the water, spoiler alert, it probably does. Custom solid wood cabinetry with seeded glass accents, granite countertops and full backsplash, a spacious breakfast bar, farmhouse sink, and premium appliances create a kitchen that is both stunning and highly functional. Features include a six-burner Wolf range with pot filler, Sub-Zero refrigerator, dishwasher, built-in microwave, ice maker, beverage fridge, and wine fridge, because in Florida, hydration is important and sometimes it comes chilled.

A charming eat-in nook offers the perfect spot for sunrise coffee, casual meals, or evening wine while watching the sky do that gorgeous Clearwater thing. The main level also includes a beautifully appointed half bath for guests and a luxurious primary suite designed as a private waterfront retreat.

The spa-inspired primary bathroom features dual vanities, a freestanding soaking tub, and a separate walk-in shower, creating a peaceful space to unwind after a day on the boat, at the beach, or simply supervising the sunset. Three closets provide exceptional storage, including a versatile dressing room that was formerly a private office with its own entrance, easily converted back depending on whether your wardrobe or your work-from-home life needs more space.

Upstairs, two additional bedrooms each feature their own en suite bath and walk-in closet, offering comfort and privacy for family and guests alike. It is the perfect setup for visitors who come for “just a few days” and then remember they love Clearwater.

Elegant, move-in ready, partially furnished, and set along one of Florida’s most beautiful waterfront backdrops, this home delivers the luxury coastal lifestyle people dream about, with no filter required.

Features

  • Rooms: 11
  • Bedrooms: 3
  • Baths: 3 full / 2 half
  • Lot Size: 81 x 120
  • Laundry: Laundry Room
  • Style: Custom, Elevated, Mediterranean
  • Year Built: 2015
  • Garage: 4-car Driveway, Golf Cart Parking, Tandem, Under Building
  • Heating: Central, Zoned
  • Cooling: Central Air, Zoned
  • Approx Sq. Feet: 4,509
  • Acreage: 0.22
  • Lot Size: 81 x 120
  • Est. Taxes: $35,251
  • Lot Desc: Flood Insurance Required, FloodZone, Sidewalk, Street Dead-End
  • View: Water
  • Water Front: Yes
  • Elem. School: Sandy Lane Elementary-PN
  • Middle School: Dunedin Highland Middle-PN
  • High School: East Lake High-PN
  • Pool: Auto Cleaner, Gunite, Heated, In Ground, Lighting, Outside Bath Access, Salt Water, Tile
  • Pet Policy: Yes
  • Appliances: Bar Fridge, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Tankless Water Heater, Washer, Water Softener, Wine Refrigerator
  • MLS#: TB8431098
  • Days on Market: 280 days
  • Website: https://www.raveis.com
    /eprop/TB8431098/231midwayisland_clearwaterbeach_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 7/5/2026 3:32:13 AM)

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Brianna TurgeonVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 2104486

860.625.5780

Brianna.Turgeon@raveis.com

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231 MIDWAY ISLAND, Clearwater Beach, FL, 33767

$3,490,000

Nancy Hobert

Sales Associate

William Raveis Real Estate

Phone: 860.449.2872

Nancy.Hobert@Raveis.com

Brianna Turgeon

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 860.625.5780

Brianna.Turgeon@raveis.com

NMLS Mortgage Loan Originator ID 2104486

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,792,000 $2,792,000 $2,792,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.121% 6.183%
Monthly Tax Payment $2,938 $2,938 $2,938
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $16,293 $16,739 $23,560
Total Monthly Payment $19,356 $19,802 $26,623

* 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.