1320 MORELAND DRIVE, #12, Clearwater, FL, 33764 | $99,000

One or more photo(s) has been virtually staged. MAJOR PRICE REDUCTION! Welcome to 1320 Moreland Drive Unit 12, a spacious and light-filled first-floor condo in the heart of Clearwater. This one-bedroom, one-bathroom residence offers nearly 720 square feet of living space and an excellent layout, ideal for those looking to create their own personal haven or seeking a solid investment opportunity. The generously sized living room flows seamlessly into the dining area and kitchen, creating an open feel perfect for entertaining or relaxing at home. The galley-style kitchen is equipped with updated stainless steel appliances, a double sink, and bright cabinetry, providing a solid foundation for future updates. The bedroom offers ample room and closet storage, and the bathroom includes a shower-tub combo and vanity with additional storage. Multiple utility closets throughout the unit add convenience. This condo is in need of flooring and cosmetic updates, presenting the perfect blank slate for customization. The community is well-maintained, with assigned parking, guest spaces, and easy access to nearby shopping, dining, major roadways, and Clearwater’s world-renowned beaches. The monthly condo fee includes water, sewer, trash, exterior maintenance, reserves, and building insurance. The roof was replaced in 2020, the HVAC is estimated to be from 2009, and the electrical panel is original to the unit. The condo is being sold as-is and does not permit short-term rentals; annual leasing is allowed, and one pet up to 25 pounds. Whether you’re a first-time buyer, seasonal resident, or investor, this is a rare opportunity to own in a central Clearwater location with strong long-term potential. Don’t miss your chance to transform this space into something truly special.

Features

  • Heating: Central
  • Cooling: Central Air
  • Levels: 2
  • Rooms: 5
  • Bedrooms: 1
  • Baths: 1 full
  • Laundry: None
  • Complex: MORELAND AT MORNINGSIDE CONDO
  • Year Built: 1978
  • Approx Sq. Feet: 720
  • Acreage: 1
  • Est. Taxes: $5
  • Condo Fee: $462 Monthly
  • Lot Desc: City Lot, Landscaped, Sidewalk
  • Elem. School: Belcher Elementary-PN
  • Middle School: Oak Grove Middle-PN
  • High School: Clearwater High-PN
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Dishwasher, Microwave, Range, Refrigerator
  • MLS#: TB8448901
  • Days on Market: 19 days
  • Website: https://www.raveis.com
    /prop/TB8448901/1320morelanddrive_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 12/24/2025 7:17:08 PM)

William Raveis Family of Services

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Liz McCarron TeamSales Vice President

617.347.4140

LizMcCarronTeam@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

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To learn more about our credentials, visit raveis.com today.

Michael CartierVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1017266

508.335.8179

Michael.Cartier@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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Our Insurance Division:

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1320 MORELAND DRIVE, #12, Clearwater, FL, 33764

$99,000

Liz McCarron Team

Sales Vice President

William Raveis Real Estate

Phone: 617.347.4140

LizMcCarronTeam@raveis.com

Michael Cartier

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 508.335.8179

Michael.Cartier@raveis.com

NMLS Mortgage Loan Originator ID 1017266

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $79,200 $79,200 $79,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.360% 6.304% 5.648%
Monthly Tax Payment $0 $0 $0
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $450 $481 $642
Total Monthly Payment $525 $556 $717

* 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.