631 HARBOR ISLAND, Clearwater Beach, FL, 33767 | $3,400,000

Welcome to Wow, welcome to 631 Harbor Island! This 2653-square-foot single-level waterfront residence is a masterclass in intentional design. While the original slab, exterior walls, and roof remain solidly intact, the current owner has completely transformed the interior - essentially rebuilding the home from the inside out – every surface, system and finish has been upgraded to high-end, luxury standards with meticulous care and attention to every detail in partnership with Premier Construction of Tampa.
30X30 porcelain tiles, Subzero, Miele, Cove and Wolf appliances and spa-like bathrooms create an environment that feels brand new and meticulously curated. The layout was designed for coastal living. Four spacious bedrooms and 3. 5 spa-like bathrooms are all on one level with zero stairs. No oversized maintenance. No wasted space. Just pure, intentional luxury that delivers more effortless enjoyment—and more value—than homes twice its size.
Open-concept living spaces bathe in natural light and flow seamlessly to the outdoors, perfect for both intimate evenings and larger gatherings. Step outside and magic unfolds: A newly reimagined pool and spa with fire boxes, sundeck, outdoor shower, sauna, kitchen fit for a king to entertain to your heart’s delight with premium Sonos sound, multiple TVs to watch the Big Game, and places to sit, relax and watch the sun rise, the dolphins play and boats glide by.
The dock, covered 26K-lb boatlift, 50+-ft wet slip with wrapped pilings are all new and include water and electric. There was no skimping on the toy box of the home either (garage). Complete with an epoxy floor and its own mini-split AC to keep cars cool and comfortable in the Florida summers. This is coastal living distilled to its most refined form—with every luxury thoughtfully placed.
If you’ve been searching for a waterfront retreat that feels fresh, personal, and truly special, this is the one. The combination of completely renovated luxury, single-level living, and that rare open Intracoastal frontage makes this property stand in a class of its own.
Don’t miss your chance to experience it in person. Request your private showing today — once you stand outside and take in those endless views, you’ll understand exactly why this home stands apart.

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 82 x 140
  • Laundry: Laundry Room
  • Style: Coastal
  • Year Built: 1969
  • Garage: 2-car
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,653
  • Acreage: 0.26
  • Lot Size: 82 x 140
  • Est. Taxes: $29,411
  • Lot Desc: In County, Landscaped, Sidewalk, Street Dead-End
  • View: Water
  • Water Front: Yes
  • Pool: Auto Cleaner, Deck, Fiber Optic Lighting, Gunite, Heated, In Ground, Outside Bath Access, Tile
  • Pet Policy: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Yes
  • Appliances: Bar Fridge, Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
  • MLS#: TB8494006
  • Days on Market: 16 days
  • Website: https://www.raveis.com
    /eprop/TB8494006/631harborisland_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 5/25/2026 1:20:53 AM)
Listing courtesy of SAND KEY REALTY   Phone: 727-443-0032

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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
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631 HARBOR ISLAND, Clearwater Beach, FL, 33767

$3,400,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,720,000 $2,720,000 $2,720,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.000% 6.250% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.362% 6.385% 6.223%
Monthly Tax Payment $2,451 $2,451 $2,451
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $16,308 $16,748 $22,953
Total Monthly Payment $18,884 $19,324 $25,529

* 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.