Harbor Bluffs Waterfront
Condos for Sale in Clearwater, FL
All 1,184 homes for sale in Clearwater, FL · median $299,000 · 607 condos for sale in Clearwater · 137 homes for sale in 33755 · Pinellas County homes for sale
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of September 2026, Harbor Bluffs Waterfront Condo in Clearwater, FL has 2 homes for sale. Over the 12 months ending 2026-09-20, 6 recorded sales closed at a median of $234,500, $262 per square foot, a median 47 days on market, sellers accepting 91% of original asking (-19% versus the prior year). Homes listed or recently sold were built 1974–1974; none of the 10 geocoded homes sit in a FEMA special flood hazard zone (median elevation 17 ft). At the median price and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $4,550 ($3,730 with the full homestead exemption).
| Location | Clearwater, Pinellas County, FL · ZIP 33755 |
|---|---|
| Home types (current listings and sales) | condos 100% |
| Amenities listed by sellers | Pool, Buyer Approval Required, Fitness Center, Clubhouse, Community Mailbox, Gated Community - No Guard |
| Sale prices, last 12 months | $234,500 median across 6 closed sales · $262 per sq ft · -19.1% vs the prior 12 months |
| Days on market (closed sales) | 47 median |
| For sale right now | 2 active, 2 pending · median asking $446,950 · 4.0 months of supply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026. Market figures describe homes, not residents. Cite as: Momentum Realty, “Harbor Bluffs Waterfront Condo key facts,” movewithmomentum.com/neighborhoods/harbor-bluffs-waterfront-condo, data as of September 20, 2026.
Price here is driven more by the individual unit than by the address. Harbor Bluffs Waterfront Condo spans a wide construction era, from 1974 through 2021, with the median build year landing in 2017. That split means condition, floor, view, and vintage do most of the work in setting a number. The median sits at $225,000 on roughly $255 per square foot across a median of about 1,483 living square feet.
The current posture favors patient buyers. Days on market run to a median of 53, which is not a scramble, and year-over-year pricing is down 22.4%. A seller here needs to price to today's evidence, not last year's, and be ready to negotiate. A buyer has room to be selective and to press on condition.
Harbor Bluffs Waterfront Condo right now
🟡 Balanced market. 4.0 months of supply and 50% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Medium (4 active and pending listings, 6 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($234K) is down 19.1% from the prior 12 months ($290K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (6 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 28, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Harbor Bluffs Waterfront Condo market snapshot (as of September 20, 2026): the median sale price is about $234K ($262 per sq ft over the trailing 12 months of closed sales), a median 48 days on market for closed sales, and 4.0 months of supply, a balanced market. The trailing-12-month median is down 19% from the prior 12 months, computed from record-level Stellar MLS closed sales (6 closings in the current window).
In ZIP 33755 (Clearwater), 513 homes closed in the last 12 months at a median of $280K ($242/sq ft), down 4.7% year over year, with a median 52 days on market. Right now 64 active and 23 pending listings put supply at about 3.5 months — a balanced market. See the live ZIP 33755 housing market and the Pinellas County market.
Stellar MLS sales records identify 18 homes in Harbor Bluffs Waterfront Condo that have changed hands since 2015, built between 1974 and 1974 (median 1974), with a median living area of about 1,450 sq ft and a typical 2-bedroom, 2-bath layout; 94% are condominiums. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
This is a small, waterfront-oriented condo pocket in Clearwater with only 35 homes and a thin 5-closing window, so any single sale moves the averages. The mix of older and newer stock means two units at the same price can be very different buys.
The setting & the homes.
Aerial and on-site photos of Harbor Bluffs Waterfront Condo. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Harbor Bluffs Waterfront Condo; content deemed reliable but not guaranteed.
Who Harbor Bluffs Waterfront Condo is best for.
Best for
- Buyers targeting a waterfront-oriented Clearwater condo around the $225,000 median who will vet each unit individually
- Patient buyers comfortable with a roughly 53-day pace who want room to negotiate on condition
- Downsizers or lock-and-leave owners wanting a manageable footprint near 1,483 square feet
Probably not for
- Buyers who need a large, comp-rich market with predictable pricing
- Anyone counting on quick resale in a fast-moving, low-inventory setting
- Buyers unwilling to underwrite condo association and insurance costs alongside the purchase price
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($234K) IS the median in the snapshot above, and the move from 2025 ($290K) IS the -19.1% one-year change.
Windows contain 0 to 6 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026. Deemed reliable but not guaranteed.
Harbor Bluffs Waterfront Condo Market Scorecard
Harbor Bluffs Waterfront Condo is currently a balanced market. About 4.0 months of supply, a median asking price of $446,950, and homes go under contract in about 192 days.
Typical home value in the 33755 ZIP is $339,236, about 14.7% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in Harbor Bluffs Waterfront Condo, Clearwater
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Harbor Bluffs Waterfront Condo
Live MLS inventory for Harbor Bluffs Waterfront Condo. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Harbor Bluffs Waterfront Condo listings as of 2026-09-28, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026. Tap any home to ask about it.
Every Home for Sale in Harbor Bluffs Waterfront Condo Right Now (4)
All 4 active and pending Harbor Bluffs Waterfront Condo listings with a detail page, newest first, refreshed twice a day from the MLS.
- 500 N Osceola Avenue #406 · $524,000 · 2 bd / 2 ba · listed Jun 27, 2026 · listed by Florida Premiere Realty
- 500 N Osceola Avenue #403 · $369,900 · 2 bd / 2 ba · listed Jun 27, 2026 · listed by High Point Realty Inc
- 500 N Osceola Avenue #307 · $530,000 · 2 bd / 2 ba · pending · listed Jun 27, 2026 · listed by Florida Luxury Group
- 500 N Osceola Avenue #810 · $340,000 · 2 bd / 2 ba · pending · listed Jun 27, 2026 · listed by Great Homes Realty Inc
Harbor Bluffs Waterfront Condo on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Schools
- Pinellas County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Sandy Lane Elementary-PN · Elementary
- Dunedin Highland Middle-PN · Middle
- Clearwater High-PN · High
Zoned schools reflect the assignments reported on recent Harbor Bluffs Waterfront Condo listings and can change; always confirm with Pinellas County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Harbor Bluffs Waterfront Condo address.
Shop the zone: Homes zoned for Clearwater High-Pn High School
The Harbor Bluffs Waterfront Condo buying strategy.
If we were buying in Harbor Bluffs Waterfront Condo today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Harbor Bluffs Waterfront Condo.
A condition-driven waterfront condo market
With a build range from 1974 to 2021 and a median year built of 2017, the label "condo" covers a lot of ground here. Newer, updated units and original older ones can trade close together, so the median price of $225,000 tells you the midpoint, not the range you will actually shop. Read each listing on its own merits: renovation level, exposure, and where the unit sits in the building matter more than the headline figure.
Sample size is the caveat you cannot ignore. With 35 homes total and only 5 closings in the window, the median price-per-square-foot of about $255 and the 22.4% year-over-year drop are directional, not precise. Waterfront condos also carry association and insurance considerations that belong in your underwriting from day one.
The location and the amenities are priced into every listing in Harbor Bluffs Waterfront Condo. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Harbor Bluffs Waterfront Condo buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (3.8). Basis: Recent Direction -19.1% year-over-year; Liquidity & Demand 4.0 months of supply; Pricing Power 91.1% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this small, comps are scarce and easy to misread, and a single closing can skew the picture. We track the actual units behind the numbers, weigh condition and building details, and price and negotiate off what a specific home is really worth today rather than a broad average.
Harbor Bluffs Waterfront Condo in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $1,098/month (about $13,176/yr) · median of 32 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $1,098 per month ($13,176 a year) — the median AssociationFee across 32 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Harbor Bluffs Waterfront Condo buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Harbor Bluffs Waterfront Condo sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Harbor Bluffs Waterfront Condo, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Harbor Bluffs Waterfront Condo home worth?
Get a no-obligation home value based on real comparable sales in Harbor Bluffs Waterfront Condo, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Harbor Bluffs Waterfront Condo?
How long do homes in Harbor Bluffs Waterfront Condo take to sell?
Is Harbor Bluffs Waterfront Condo a buyer's or seller's market right now?
Who is the best real estate agent for Harbor Bluffs Waterfront Condo?
How do I find a top Clearwater real estate agent who knows Harbor Bluffs Waterfront Condo?
Can Momentum Realty connect me with an agent for Harbor Bluffs Waterfront Condo?
Where is Harbor Bluffs Waterfront, and what county is it in?
Is Harbor Bluffs Waterfront a good place to live?
Should you buy in Harbor Bluffs Waterfront Condo?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 28, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2012 (35 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
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The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Harbor Bluffs Waterfront Condo fits the bigger picture — live prices, inventory, and Momentum Scores:
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