320 ISLAND WAY, #105, Clearwater Beach, FL, 33767 | $434,000

Under contract-accepting backup offers. Experience island living at its finest in this spacious 3-bedroom, 3-bath, 3-story villa located in the exclusive Cutter Cove community on Island Estates in Clearwater Beach. Offering the perfect balance of privacy, space, and convenience, this home combines the feel of a single-family residence with the ease of condo-style living. Ideally situated just off Clearwater Beach, residents enjoy the walkability of island life—stroll or bike to the beach, Island Way Grill, Publix, the Clearwater Marine Aquarium, and nearby cafes and shops—while still being tucked away from the high-traffic tourist zone for a peaceful, residential atmosphere.

This interior corner villa occupies one of the premier locations within the complex, offering the best pool view and an abundance of natural light from extra windows. Enjoy your private ground-level entrance, oversized tandem 2-car garage with generous storage, and two private balconies overlooking the tropical, resort-style pool and spa. Inside, approximately 1, 700 sq. ft. of flexible living space spans four levels, featuring two primary suites with private baths, a versatile loft area, and a bright, open-concept main living level with vaulted ceilings. The original interior provides the perfect opportunity to update and personalize the space, transforming it into your own modern coastal retreat while enhancing its value.

The pet-friendly, resort-style community offers a heated pool and spa, tiki huts, cabanas, barbecue area, and a waterfront clubhouse—ideal for relaxing or entertaining. Whether you’re seeking a primary residence, seasonal getaway, or income-producing property with a 30-day minimum rental policy, this home delivers the ultimate Clearwater Beach lifestyle: walkable, peaceful, and maintenance-free with a touch of island luxury.
Ideally situated in the heart of Central Florida’s Gulf Coast, this location offers the perfect blend of relaxation, recreation, and convenience. Enjoy easy access to Tampa’s vibrant cultural scene, professional sports venues, cruise ship marinas, and major airports, all within a short drive. Outdoor enthusiasts will love the abundance of golf courses, boating, and watersports nearby, while theme park lovers can take a day trip to Florida’s world-famous attractions just a drive away. Whether you’re seeking adventure or tranquility, this is your chance to embrace the best of Gulf Coast living—with plenty of room to make it your own.

Don’t miss the chance to own one of Cutter Cove’s most desirable villas—schedule your private showing today and envision your personalized piece of paradise.

Features

  • Rooms: 3
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Inside, Laundry Room
  • Year Built: 1995
  • Garage: 2-car Garage Door Opener, Ground Level, Tandem
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,700
  • Acreage: 1.57
  • Est. Taxes: $6,848
  • Condo Fee: $946 Monthly
  • View: Pool
  • Pool: Heated
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Range, Refrigerator, Washer
  • MLS#: TB8439335
  • Days on Market: 116 days
  • Website: https://www.raveis.com
    /prop/TB8439335/320islandway_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 2/16/2026 1:02:09 PM)
Listing courtesy of PREFERRED PROPERTY ASSOC INC   Phone: 352-688-1303

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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320 ISLAND WAY, #105, Clearwater Beach, FL, 33767

$434,000

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 $347,200 $347,200 $347,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.137% 6.132% 5.396%
Monthly Tax Payment $571 $571 $571
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,944 $2,079 $2,768
Total Monthly Payment $2,590 $2,725 $3,414

* 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.