Gated Communities in Clearwater, FL
Looking for gated communities in Clearwater, FL? Momentum tracks 10 Clearwater communities with evidence of gated community living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
Clearwater gated communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| Cove Cay Village IV · agent | Clearwater | $213,000 | – | 44 d |
| Imperial Cove · agent | Clearwater | $160,000 | – | 139 d |
| Cove Cay Village I · agent | Clearwater | $148,000 | – | 151 d |
| Cove Cay Village III · agent | Clearwater | $154,000 | – | 142 d |
| Towns at Belleair Grove · agent | Clearwater | $423,000 | – | 116 d |
| Westchester Lake Townhomes · agent | Clearwater | $439,000 | – | – |
| Santorini Trace · agent | Clearwater | $455,000 | – | – |
| The Residences at Renaissance · agent | Clearwater | $134,000 | – | 116 d |
| Chautauqua Lake Estates · agent | Clearwater | $1.07M | – | – |
| Pine Crest · agent | Clearwater | $350,000 | – | – |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
What gates change about ownership
Controlled access typically comes with a manned gate, a transponder system, or both — funded through HOA dues. Expect guest-access procedures, delivery and contractor rules, and in some communities rental restrictions. Review the HOA budget for how the gate and any roving patrol are funded, and whether roads are private (the HOA maintains them — another line in the dues) or public.
Due diligence before you buy behind a gate
Request the HOA documents early: budget, reserves, rules, and the last two years of meeting minutes. Private roads, gates and common areas are owner-funded, so thin reserves become special assessments. Our buyer closing costs calculator helps you model dues and assessments into the real monthly cost.
What it costs to own here
At Pinellas County’s typical combined millage of 19.39 mills, a purchase at $281,500 (the median across these Clearwater gated communities) generates roughly $5,457 a year in property tax before exemptions — about $455 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Pinellas County average about $1,911 a year ($159 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Pinellas County near $2,236 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses Pinellas County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in Pinellas County right now
In the most recent IRS migration data (2022-2023), Pinellas County lost a net 1,182 people to relocation, with the largest inbound flows from NY, CA, NJ. Households moving IN reported average incomes of $95,596 versus $74,796 for those leaving — the income mix of demand, straight from tax filings. Population is up about 0.3% over the recent multi-year window. On the supply side, builders pulled 4,198 residential permits in Pinellas County in 2025 (1,376 single-family), up 59.8% year over year. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 7.5% versus its income-and-rent fundamentals.
Live inventory, refreshed nightly from the MLS.
Live gated-community listings in Clearwater
165 active listings carry the flag today (24% of Clearwater inventory), median asking $290,000, $242/sq ft, median 54 days on market. Photo cards link to the listing; refreshed nightly.
Newest gated community homes in Clearwater
The most expensive gated community homes in Clearwater
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 1198 Mandalay Point | $37,500,000 | 3,434 | Mandalay Point |
| 11 Baymont Street #807 | $2,790,000 | 2,181 | Residences At Sandpearl Resort Condo |
| 1520 Gulf Boulevard #1901 | $2,775,000 | 3,400 | Ultimar One Condo |
| 1560 Gulf Boulevard #1607 | $2,450,000 | 2,464 | Ultimar Three Condo |
| 1020 Sunset Point Road #103 | $2,300,000 | 2,268 | Serena By The Sea |
| 1028 Sunset Point Road #R9 | $2,100,000 | 3,203 | Serena By The Sea |
| 864 N Osceola Ave | $1,875,000 | 3,323 | Marina Bay Master Condo |
| 868 N Osceola Avenue | $1,850,000 | 3,341 | Marina Bay Master Condo |
| 11 San Marco Street #905 | $1,692,000 | 1,460 | Mandalay Beach Club Condo |
| 8 Palm Terrace #201 | $1,499,000 | 2,195 | Residences At Belleview Place Condo |
Gated Community Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 85 | 52% |
| $300Kâ$500K | 22 | 13% |
| $500Kâ$750K | 20 | 12% |
| $750Kâ$1M | 17 | 10% |
| $1M+ | 21 | 13% |
Clearwater gated community homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most gated community homes listed are tabled; the rest follow.
| Community | Gated Community Homes | New build | Median list | From |
|---|---|---|---|---|
| On Top Of The World | 100 | 0 | $159,950 | $74,900 |
| Grand Bellagio At Baywatch Condo The | 17 | 0 | $285,000 | $210,000 |
| Summerset Villas | 15 | 14 | $559,000 | $529,000 |
| Grand Venezia At Baywatch Condo | 15 | 0 | $229,500 | $179,000 |
| Doral Ro Association Inc Unrec | 10 | 0 | $147,000 | $89,500 |
| Audubon Condo At Feather Sound | 8 | 0 | $224,950 | $150,000 |
| Island Estates Of Clearwater Unit 5-A | 7 | 7 | $1,609,000 | $1,489,000 |
| Serena By The Sea | 6 | 6 | $2,200,000 | $1,859,900 |
| Hammock Pine Village | 6 | 0 | $215,000 | $179,900 |
| Cove Cay 26-21 Village Ii | 6 | 0 | $167,500 | $85,000 |
| Cove Cay 26-18 Village I | 6 | 0 | $158,950 | $109,900 |
| Residence At Renaissance | 6 | 0 | $144,500 | $123,000 |
| Serena By The Sea Condo | 5 | 0 | $1,475,000 | $1,299,000 |
| Towns At Belleair Grove | 5 | 0 | $405,000 | $199,900 |
| Club At Feather Sound The Condo | 5 | 0 | $225,000 | $220,000 |
| Cove Cay Village Iii | 5 | 0 | $209,500 | $168,500 |
| Cove Cay Village Iv | 5 | 0 | $199,900 | $168,500 |
| Avalon Of Clearwater The Condo | 4 | 0 | $227,000 | $205,000 |
| Imperial Pines Condo | 4 | 0 | $212,450 | $147,000 |
| Cove Cay 26-14 Village I | 4 | 0 | $174,900 | $128,900 |
| Marina Bay Master Condo | 3 | 3 | $1,850,000 | $860,000 |
| Dans Island On Sand Key Condo | 3 | 0 | $1,200,000 | $720,000 |
| Harborview Grande Condo | 3 | 0 | $885,000 | $874,900 |
| Cabana Club Condo | 3 | 0 | $875,000 | $865,000 |
| Marina Bay 880 Condo | 3 | 0 | $850,000 | $750,000 |
| Fountains At Countryside Condo | 3 | 0 | $200,000 | $169,900 |
| Imperial Cove 12 | 3 | 0 | $146,000 | $129,900 |
| Chautauqua Lake Estates | 2 | 0 | $1,299,450 | $1,199,000 |
| Crescent Beach Club Two Condo | 2 | 0 | $856,200 | $764,900 |
| Sand Key Condo-South Beach | 2 | 0 | $784,500 | $750,000 |
| Harbour Light Towers Condo | 2 | 0 | $611,500 | $598,000 |
| Pierce 100 Condo | 2 | 0 | $441,999 | $389,000 |
| Harbor Bluffs Waterfront Condo | 2 | 0 | $435,000 | $340,000 |
| Regatta Beach Club Condo | 2 | 0 | $408,500 | $399,000 |
| Imperial Cove 14 | 2 | 0 | $255,000 | $250,000 |
| Imperial Cove 7 | 2 | 0 | $209,950 | $169,900 |
| Cove Cay 26-16 Village I | 2 | 0 | $197,000 | $175,000 |
| Cove Cay Village | 2 | 0 | $194,950 | $174,900 |
| Imperial Cove 10 | 2 | 0 | $190,950 | $109,900 |
| Bay Aristocrat Village Mobile Home Park Unrec | 2 | 0 | $189,500 | $129,000 |
| Cove Cay 26-20 Village Ii | 2 | 0 | $182,200 | $134,500 |
| Cove Cay 26-17 Village I | 2 | 0 | $165,450 | $95,900 |
| Imperial Cove 11 | 2 | 0 | $156,000 | $134,000 |
| Imperial Cove 6 | 2 | 0 | $139,450 | $129,900 |
| Imperial Cove 2 | 2 | 0 | $136,450 | $119,900 |
| Mandalay Point Sub 1St Add | 1 | 0 | $37,500,000 | $37,500,000 |
| Residences At Sandpearl Resort Condo | 1 | 0 | $2,790,000 | $2,790,000 |
| Ultimar One Condo | 1 | 0 | $2,775,000 | $2,775,000 |
| Ultimar Three Condo | 1 | 0 | $2,450,000 | $2,450,000 |
| Coachman Hill Preserve | 1 | 0 | $1,950,000 | $1,950,000 |
| Mandalay Beach Club Condo | 1 | 0 | $1,692,000 | $1,692,000 |
| Residences At Belleview Place Condo | 1 | 0 | $1,499,000 | $1,499,000 |
| Grande On Sand Key | 1 | 0 | $1,398,000 | $1,398,000 |
| Grande On Sand Key Condo The | 1 | 0 | $1,349,000 | $1,349,000 |
| Eagle Pointe | 1 | 0 | $1,250,000 | $1,250,000 |
| Grande On Sand Key Condo | 1 | 0 | $998,000 | $998,000 |
| Ecovillage Highpoint | 1 | 0 | $879,900 | $879,900 |
| Sand Key Condo-South Beach 1 | 1 | 0 | $860,000 | $860,000 |
| Lighthouse Towers Condo | 1 | 0 | $849,000 | $849,000 |
| Clearwater Sand Key Club 1 Condo | 1 | 0 | $799,000 | $799,000 |
Also with gated community homes for sale
- Sand Key Condo-South Beach 1460 (1)
- Harbor Vista (1)
- Sand Key Condo-South Beach 2 (1)
- Skyview, The Condo (1)
- Harborage Ii (1)
- Sand Key Condo-South Bay (1)
- Landmark Towers One (1)
- Montclair Lake Twnhms - Ph 1 (1)
- Harborage Condo Belleair Beach (1)
- Grand Bellagio At Baywatch Condo (1)
- Waters Edge Condo (1)
- Spring Lake Of Clearwater (1)
- Bay Isle Landings (1)
- Coachman Reserve Condo (1)
- Coachman Reserve Condominiums (1)
- Wells Court Condo Assoc Inc (1)
- Imperial Cove 9 (1)
- Grand Bellagio At Baywatch (1)
- Imperial Cove 13 (1)
- Royal Camelot Resort Condo (1)
- Imperial Cove 8 (1)
- Harbour Towne Condo (1)
- On Top Of The World Unit 69 Condo (1)
- Imperial Cove 3 (1)
Explore more of Clearwater
- Gated Communities in Pinellas County
- Golf Course Communities in Clearwater
- Condo Communities in Clearwater
- Townhome Communities in Clearwater
- Find the best agent in Clearwater
- Best neighborhoods in Clearwater
Run the numbers in Pinellas County
- Find the best agent in Pinellas County
- Get a cash offer in Pinellas County
- Pinellas County housing scorecard
- What would selling net you
- Buyer closing costs calculator
Common questions
How many gated communities does Clearwater, FL have?
What do homes in Clearwater gated communities cost?
How does Momentum classify a community as one of the gated communities?
How much is home insurance in Pinellas County?
What are property taxes like in Pinellas County?
Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.