1869 SETON DRIVE, Clearwater, FL, 33763 | $484,900

Under contract-accepting backup offers. Welcome home to Montclair Lake Estates, one of North Clearwater’s most desirable and well-kept neighborhoods, where mature trees, quiet streets, and a true sense of community meet modern Florida living. This beautifully updated 3-bedroom, 2-bath single-family home offers a spacious split floor plan and a two-car garage perfectly blending comfort, style, and practicality.
Step inside to a bright, open living area with a large picture window overlooking the lush front yard. The open-concept kitchen is the centerpiece of the home, featuring an expansive island, white cabinetry, granite countertops, tile backsplash, stainless steel appliances, and a convenient breakfast bar—ideal for cooking, entertaining, or everyday family living. The adjacent dining area flows seamlessly to a 35x15’ screened-in sunroom, recently updated with new screens (2019) and designed as a flexible relaxation and entertaining space that connects indoor comfort with outdoor enjoyment.
Throughout the home, you’ll find luxury vinyl plank flooring, modern ceiling fans, and timeless neutral finishes that make every room feel refreshed and inviting. The primary suite and two guest bedrooms are thoughtfully separated for privacy, with both bathrooms fully remodeled in 2019 to include updated vanities, neutral tilework, and contemporary fixtures.
This property is as functional as it is beautiful. Major updates completed in 2019 include a full kitchen and bath remodel, a 3-ton HVAC system, a 200-amp electrical panel upgrade, a tankless water heater, reverse osmosis filtration, a Culligan whole-home water softener, and PGT hurricane-impact windows and impact impact-rated front door. The garage features durable epoxy flooring, built-in organization, and a conveniently placed washer and dryer, as well as an additional refrigerator are all included in the sale. The fenced backyard offers two gated access points, perfect for RV or boat parking, and is surrounded by lush landscaping, fruit trees, and pineapple plants—a private oasis for outdoor living.
This home also provides ample room on the electrical panel for expansion, allowing for easy future additions or upgrades. Located in a non-HOA community, residents enjoy the freedom of ownership without restrictions, while still being part of an established, well-maintained neighborhood.
Perfectly positioned for convenience, this property is just 10 minutes to Downtown Dunedin, 15 minutes to Clearwater Beach, 5 minutes to shopping and dining at Clearwater Mall, and 30 minutes to Tampa International Airport. Whether you’re searching for a low-maintenance primary residence or a turnkey investment property, this home delivers the best of modern North Clearwater living—comfort, functionality, and peace of mind.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 75 x 100
  • Laundry: In Garage
  • Year Built: 1976
  • Garage: 2-car Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,378
  • Acreage: 0.17
  • Lot Size: 75 x 100
  • Est. Taxes: $3,771
  • Lot Desc: City Lot, In County, Near Public Transit, Sidewalk
  • Elem. School: Dunedin Elementary-PN
  • Middle School: Dunedin Highland Middle-PN
  • High School: Dunedin High-PN
  • Pet Policy: Yes
  • Appliances: Cooktop, Dishwasher, Dryer, Microwave, Refrigerator, Washer
  • MLS#: TB8437873
  • Days on Market: 116 days
  • Website: https://www.raveis.com
    /prop/TB8437873/1869setondrive_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 2/26/2026 6:01:17 AM)
Listing courtesy of KELLER WILLIAMS GULFSIDE RLTY   Phone: 727-489-0800

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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1869 SETON DRIVE, Clearwater, FL, 33763

$484,900

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 $387,920 $387,920 $387,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.161% 6.120% 5.541%
Monthly Tax Payment $314 $314 $314
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,172 $2,323 $3,118
Total Monthly Payment $2,561 $2,712 $3,507

* 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.