Seller's Agent in 2025
Cindy Hoover
HOOVER REAL ESTATE SERVICES
(727) 492-4042
1 in this area
132 Total Sales
320 Island Way Unit 205 Clearwater Beach, FL 33767
Island Estates Neighborhood
3
Beds
3
Baths
1,700
Sq Ft
$946/mo
HOA Fee
Highlights
- Property is near a marina
- Deck
- Private Lot
- 1.6 Acre Lot
- Property is near public transit
- Vaulted Ceiling
About This Home
As of July 2025Nestled at the end of Memorial Causeway in Clearwater, the Cutter Cove condominium community offers a rare opportunity to enjoy the coastal lifestyle in the highly desirable Island Estates and Clearwater Beach area. This extremely well maintained condo presents an exceptional blend of comfort and convenience. Just minutes from the vibrant Clearwater Beach and the charm of Downtown Clearwater, this unit is ideal for those seeking a second home, an investment property, or a permanent beachside residence. The unit, lovingly cared for by its original owner for 30 years, comes fully furnished and gently used, making it move-in ready. With 1,700 square feet of thoughtfully designed living space, the home features three bedrooms and three full baths, plus a spacious loft that adds versatility for guests or a home office. Each bedroom, as well as the main living area, opens to its own private balcony, offering plenty of natural light and space to enjoy the Florida breeze. The floor plan is both functional and inviting, perfect for entertaining or quiet relaxation. Practical features include a large tandem garage with an automatic garage door in the front and private patio doors in the rear, offering unique access and additional storage. The first floor is constructed with solid concrete block and does not contain any living space, adding to the property’s durability. A 2013 air conditioning system ensures year-round comfort, and the property has never experienced flooding in its 30-year history—a rare and valuable feature in coastal real estate. Residents of Cutter Cove enjoy a beautifully maintained community pool that is accessible only to owners, providing a peaceful and private retreat. With a fully integrated fire suppression system in each unit, as well as irrigation and trash included in the condo fee, maintenance is worry-free. The location is unbeatable: just a 10-minute walk to Clearwater Beach, steps from a local grocery store and other shops, and surrounded by a mix of charming local eateries and chain restaurants. A trolley also runs several times daily for quick access to beachside attractions. This non-age-restricted community offers one of the most affordable entry points into the Clearwater Beach real estate market. With a 30-day minimum rental policy, the condo offers flexibility for personal use or rental income. Whether you’re looking for a beach getaway, a smart investment, or a full-time home close to the ocean, this is a property you won’t want to miss.
Last Agent to Sell the Property
HOOVER REAL ESTATE SERVICES License #3236945 Listed on: 06/03/2025
Property Details
Home Type
- Condominium
Est. Annual Taxes
- $6,647
Year Built
- Built in 1995
Lot Details
- East Facing Home
- Mature Landscaping
- Native Plants
- Level Lot
HOA Fees
- $946 Monthly HOA Fees
Parking
- 2 Car Attached Garage
- Parking Pad
- Oversized Parking
- Ground Level Parking
- Tandem Parking
- Garage Door Opener
Home Design
- Key West Architecture
- Entry on the 1st floor
- Slab Foundation
- Frame Construction
- Shingle Roof
- Concrete Siding
- Block Exterior
- Vinyl Siding
- Concrete Perimeter Foundation
Interior Spaces
- 1,700 Sq Ft Home
- 3-Story Property
- Vaulted Ceiling
- Ceiling Fan
- Sliding Doors
- Entrance Foyer
- Combination Dining and Living Room
- Loft
- Inside Utility
- Walk-Up Access
Kitchen
- Range with Range Hood
- Microwave
- Dishwasher
- Solid Surface Countertops
- Disposal
Flooring
- Carpet
- Ceramic Tile
Bedrooms and Bathrooms
- 3 Bedrooms
- Primary Bedroom Upstairs
- Split Bedroom Floorplan
- Walk-In Closet
- 3 Full Bathrooms
Laundry
- Laundry Room
- Dryer
- Washer
Home Security
Eco-Friendly Details
- Smoke Free Home
- Irrigation System Uses Drip or Micro Heads
Outdoor Features
- Property is near a marina
- Balcony
- Deck
- Covered Patio or Porch
- Exterior Lighting
Location
- Flood Zone Lot
- Flood Insurance May Be Required
- Property is near public transit
Schools
- Sandy Lane Elementary School
- Dunedin Highland Middle School
- Clearwater High School
Utilities
- Central Air
- Heat Pump System
- Thermostat
- Underground Utilities
- Electric Water Heater
Listing and Financial Details
- Visit Down Payment Resource Website
- Legal Lot and Block 205 / 001
- Assessor Parcel Number 08-29-15-20194-001-0205
Community Details
Overview
- Association fees include common area taxes, pool, escrow reserves fund, insurance, maintenance structure, ground maintenance, maintenance, management, private road, trash
- Kevin Guthrie Association, Phone Number (727) 796-5900
- Visit Association Website
- Cutter Cove Condo Subdivision
- Association Owns Recreation Facilities
- The community has rules related to deed restrictions
Amenities
- Community Mailbox
Recreation
- Community Pool
Pet Policy
- Pets up to 25 lbs
- Pet Size Limit
- 2 Pets Allowed
Security
- Hurricane or Storm Shutters
- Fire and Smoke Detector
- Fire Sprinkler System
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 3, 2025
Closed on
Jul 11, 2025
Sold by
Loren Lewis I and Loren Nancy J
Bought by
Basilio Lisa and Basilio David
Seller's Agent
Cindy Hoover
HOOVER REAL ESTATE SERVICES
Buyer's Agent
Amy Storch
SELLSTATE COASTAL REALTY
List Price
$425,000
Sold Price
$395,000
Premium/Discount to List
-$30,000
-7.06%
Views
9
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
10.74%
Original Mortgage
$270,000
Outstanding Balance
$269,774
Interest Rate
6.89%
Mortgage Type
New Conventional
Estimated Equity
$131,724
Purchase Details
Closed on
Dec 6, 2022
Sold by
Loren Lewis I and Loren Nancy J
Bought by
Loren Matthew L and Loren Kara L
Purchase Details
Closed on
Aug 23, 1995
Sold by
Cutter Cove Dev Corp
Bought by
Loren Lewis I and Loren Nancy J
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$90,000
Interest Rate
7.42%
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $395,000 | None Listed On Document | |
| Special Warranty Deed | $100 | -- | |
| Special Warranty Deed | $100 | None Listed On Document | |
| Warranty Deed | $131,500 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $270,000 | New Conventional | |
| Previous Owner | $90,000 | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 07/11/2025 07/11/25 | Sold | $395,000 | -7.1% | $232 / Sq Ft |
| 06/07/2025 06/07/25 | Pending | -- | -- | -- |
| 06/03/2025 06/03/25 | For Sale | $425,000 | -- | $250 / Sq Ft |
Source: Stellar MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $6,239 | $388,387 | -- | $388,387 |
| 2023 | $6,239 | $368,454 | $0 | $368,454 |
| 2022 | $5,521 | $304,019 | $0 | $304,019 |
| 2021 | $5,101 | $251,019 | $0 | $0 |
| 2020 | $5,012 | $243,477 | $0 | $0 |
| 2019 | $5,556 | $268,790 | $0 | $268,790 |
| 2018 | $5,080 | $242,865 | $0 | $0 |
| 2017 | $4,965 | $243,182 | $0 | $0 |
| 2016 | $4,774 | $234,926 | $0 | $0 |
| 2015 | $4,522 | $224,667 | $0 | $0 |
| 2014 | $4,055 | $194,798 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Cindy Hoover
-
Amy Storch
Buyer's Agent in 2025
Amy Storch
SELLSTATE COASTAL REALTY
(813) 451-9276
2 in this area
260 Total Sales
Map
Source: Stellar MLS
MLS Number: TB8390237
APN: 08-29-15-20194-001-0205
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Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393
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