3107 OYSTER BAYOU WAY, Clearwater, FL, 33759 | $415,000

One or more photo(s) has been virtually staged. Welcome to this ideal multi-level townhouse in a PRIME Clearwater location! Get anywhere by car or e-bike, just minutes from fabulous downtown Safety Harbor’s restaurants, shops, waterfront parks, and community events. Tucked inside a well-maintained community with underground utilities and backing to a peaceful conservation area, this home offers both privacy and convenience, and it’s high and dry in a non-flood zone. One of the home’s most unique features is the rare tandem 4-car garage on the ground level, complete with a half bath, workshop space, and access to a private outdoor deck, ideal for hobbies, storage, or entertaining. The main living level features tall ceilings and new luxury vinyl plank flooring, creating a bright and inviting space. The kitchen opens to the dining and living areas and flows seamlessly to sliding glass doors leading to a screened porch overlooking the conservation area. A convenient half bath is also located on this level. Upstairs, the third floor offers a private primary suite with ensuite bath, a guest bedroom, and a versatile office or flex space served by a second full bath. A laundry closet with full-size washer and dryer adds everyday convenience. Recent updates include a 2018 roof, new AC (2023), new water softener (2023), whole-home HALO system, fresh interior paint and a pre-wired security system. The low HOA fee includes lawn care, pool maintenance, exterior maintenance, and basic cable, making for easy, low-maintenance living. A rare opportunity to own a spacious, move-in-ready home close to Safety Harbor, Clearwater, Tampa, and area beaches. Schedule your showing today!

Features

  • Rooms: 9
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, Laundry Closet, Washer Hookup
  • Year Built: 2000
  • Garage: 4-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,595
  • Est. Taxes: $5,865
  • HOA Fee: $313 Monthly
  • Elem. School: Safety Harbor Elementary-PN
  • Middle School: Safety Harbor Middle-PN
  • High School: Countryside High-PN
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
  • MLS#: TB8482751
  • Days on Market: 86 days
  • Website: https://www.raveis.com
    /prop/TB8482751/3107oysterbayouway_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 5/31/2026 10:08:58 AM)
Listing courtesy of ENGEL & VOLKERS TAMPA DOWNTOWN   Phone: 813-863-1986

William Raveis Family of Services

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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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305.922.5393

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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

3107 OYSTER BAYOU WAY, Clearwater, FL, 33759

$415,000

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 $332,000 $332,000 $332,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $489 $489 $489
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,988 $2,071 $2,735
Total Monthly Payment $2,552 $2,635 $3,299

* 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.