644 ISLAND WAY, #405, Clearwater, FL, 33767 | $499,900

Experience the best of Island Estates living in this pristine, UPDATED, FULLY FURNISHED, move-in ready 2-bedroom, 2-bath condominium. Showcasing chic décor, premium finishes, and an open floor plan, this beautifully updated residence features luxury vinyl flooring throughout. The gourmet kitchen offers stainless steel appliances, solid surface countertops, a breakfast bar, and a stylish dry bar in the dining area that's perfect for entertaining. Located on the fourth floor, this bright and inviting home enjoys beautiful morning sun and partial Intracoastal water views. The spacious floor plan offers generously sized bedrooms, with the guest bedroom large enough to accommodate two queen-size beds. The primary suite features two closets, including a walk-in closet, along with abundant storage throughout the home, including storage solutions throughout the property. In unit washer and dryer are also included for added convenience. Major updates include the HVAC system and water heater (2020). This secure building offers key fob entry, security cameras, an assigned covered parking space #20. The HOA fee includes cable, water, and high-speed internet. Perfectly located on Island Estates, you'll be just minutes from Clearwater Beach and within walking distance of Publix, banks, restaurants including Island Way Grill, shops, the Clearwater Marine Aquarium, and a variety of waterfront activities. Enjoy scenic waterfront walks, bike rides, or simply relax and embrace the coastal lifestyle this highly desirable community has to offer. Boating enthusiasts will appreciate the private community dock on the Channel, with boat slips available for rent through management (subject to availability), as well as a kayak rack. Spend your evenings relaxing by the waterfront pool or private dock while watching spectacular sunsets, dolphins, and boats cruise by. Don't miss this exceptional opportunity to own a beautifully updated, fully furnished waterfront condominium in one of Clearwater's most desirable communities. Furnishings are included, making this the perfect primary residence, vacation home, or investment opportunity.

Features

  • Elevator: Y
  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 7
  • Amenities: Elevator(s)
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside, Laundry Closet
  • Complex: ISLAND POINT 1 CONDO
  • Year Built: 1972
  • Common Charge: $866 Monthly
  • Approx Sq. Feet: 1,335
  • Acreage: 1.53
  • Est. Taxes: $5,705
  • Condo Fee: $225 Monthly
  • Water Front: Yes
  • Pet Policy: Cats OK, Dogs OK, Number Limit, Size Limit
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Wine Refrigerator
  • MLS#: TB8521698
  • Days on Market: 9 days
  • Website: https://www.raveis.com
    /prop/TB8521698/644islandway_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 7/8/2026 7:17:08 PM)
Listing courtesy of MAGNATE REALTY, LLC   Phone: 727-424-6499

William Raveis Family of Services

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888.699.8876

Contact@raveis.com

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

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
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

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
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

644 ISLAND WAY, #405, Clearwater, FL, 33767

$499,900

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 $399,920 $399,920 $399,920
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.652% 5.952%
Monthly Tax Payment $475 $475 $475
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,462 $2,525 $3,321
Total Monthly Payment $3,012 $3,075 $3,871

* 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.