400 LARBOARD WAY, #103, Clearwater Beach, FL, 33767 | $399,000

This waterfront condo on Island Estates offers a rare and highly desirable lifestyle, thanks to its prime ground-floor, west-facing position with sweeping views of Clearwater Harbor and the Intracoastal Waterway. Perfect for launching a kayak or paddleboard right from your backyard.
The two-bedroom, one-bath layout lives like a single-family home, creating a comfortable and inviting atmosphere. Inside, the updated kitchen immediately stands out, featuring solid wood cabinetry, granite countertops, and stainless steel appliances. The open-concept dining and living areas flow seamlessly together, while an expansive sliding glass door frames stunning water views and leads to your outdoor space—an ideal setting to relax and take in unforgettable sunsets.
Recent upgrades, including tile flooring and a beautifully renovated bathroom, add to the condo’s appeal. The primary bedroom serves as a peaceful retreat, complete with a large picture window overlooking the water. The spacious guest bedroom easily accommodates a king-size bed and includes double closets for ample storage.
Additional updates include a new A/C system (2021), a refrigerator (2020), and impact-resistant windows and doors for added security and energy efficiency. The property also includes an assigned carport parking space (#103) along with convenient guest parking.
Located within the deed-restricted Island Estates community, residents enjoy close proximity to everyday essentials, including a Publix grocery store, restaurants, banking, a post office, and a gas station—all just minutes away.
Combining a prime waterfront setting, thoughtful updates, and exceptional convenience, this condo offers the perfect blend of comfort, style, and coastal living.

Features

  • Heating: Central
  • Cooling: Central Air
  • Levels: 2
  • Rooms: 3
  • Bedrooms: 2
  • Baths: 1 full
  • Laundry: Common Area, Same Floor As Condo Unit
  • Complex: SEA ISLAND APTS 1 CONDO
  • Year Built: 1968
  • Approx Sq. Feet: 1,005
  • Acreage: 0.71
  • Est. Taxes: $3,704
  • Condo Fee: $953 Monthly
  • Water Front: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Range, Refrigerator
  • MLS#: TB8504689
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8504689/400larboardway_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 5/8/2026 6:17:08 PM)
Listing courtesy of CHARLES RUTENBERG REALTY INC   Phone: 727-538-9200

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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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400 LARBOARD WAY, #103, Clearwater Beach, FL, 33767

$399,000

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 $319,200 $319,200 $319,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.324% 6.398% 5.614%
Monthly Tax Payment $309 $309 $309
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,888 $1,965 $2,587
Total Monthly Payment $2,272 $2,349 $2,971

* 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.