1349 STEWART BOULEVARD, CLEARWATER, FL 33764
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 9, 2026, 1349 Stewart Boulevard in Morningside Estates Unit 3B, Clearwater is listed at $675,000 (2,042 sq ft, about $331 per sq ft). That sits within a few percent of Morningside Estates Unit 3B's median closed sale of $675,000 over the last 12 months (1 recorded sales). It came to market within the past week. Listing facts: built in 1965, a private pool, waterfront, HOA dues of $4/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1965 · 61 yrs
- 2,042 sq ft of living area
- 2-car garage
- New to market
- HOA $4/mo (per listing)
This home’s history
- 1965BuiltPer public record
- Aug 22, 2026First trackedObserved at $675,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $3,488/mo 78%
- Taxes $591/mo 13%
- Insurance $366/mo 8%
- HOA $4/mo 0%
$4,449/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
61/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟡 Asking $331 per square foot, about in line with the community’s $331 median. ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM’s 12-month median sold price per square foot is $331. Confidence: Low · 1 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
46% of homes in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM are owner-occupied. An estimated 54% are non-owner-occupied, including 20% held in a company or trust and 22% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 583 homes matched. Community-level context.
What’s unique here: one of only 5292 active listings in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 9, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Under contract-accepting backup offers. LAKEFRONT LIVING: At this Morningside lakefront home, the living space doesn’t stop at the back door-it continues through a 36-foot covered lanai, screened pool, and open patio to the water’s edge of Stewart Lake. Set on a generous .45-acre lot in Morningside Estates, this single-story 3-bedroom, 3-bath home offers 2,042 square feet of thoughtfully arranged living space, with mature trees, tropical landscaping, a tile roof, a circular driveway, and a side-entry two-car garage, creating an inviting first impression.
Inside, the custom glass-paneled front door and textured sidelights introduce a home with personality rather than pretense. Wood grain tile and ceramic tile flooring define the main living areas, while plantation shutters, updated lighting, and a soft neutral palette keep the interiors relaxed and polished. The central living room steps down from the foyer and opens directly to the lanai through wide sliding glass doors.
A separate family/bonus room, tucked behind French doors, offers a second gathering space with its own direct connection to the lanai through wide sliding glass doors. New A/C 2024 and new Hot Water Heater 2025. The kitchen is a standout for anyone who actually likes to cook: abundant solid-wood cabinetry, expansive stone counter space, a subway-tile backsplash, dual ovens, stainless-steel appliances, a wine refrigerator, dedicated wine storage, and a raised breakfast bar that keeps conversation flowing between the kitchen and dining area.
The primary suite is unusually spacious, with a carpeted raised sleeping area, room for a sitting or dressing area, plantation shutters, a walk-in closet, and an ensuite bath with stone counters, sleek cabinetry, and a glass-enclosed shower with a built-in bench and handheld showerhead. Two additional bedrooms feature carpeting, ceiling fans, and plantation shutters, with Bath 2 nearby, featuring a stone-topped vanity, makeup area, tub/shower combination, and built-in storage. Storage is a recurring theme here, from the long hallway with multiple closets and built-in drawers to the garage, where an expansive wall of cabinetry, a separate full bath, a laundry area, and a utility sink add real everyday function.
Then there is the backyard-the part of the home that changes the rhythm of the day. A beamed covered lanai with statement lighting and a built-in brick grill opens to the screened pool (new pool cleaner 2026; newer pool pump 2024) and paver deck, while a large open patio creates a second outdoor living area. Beyond it, a broad lawn slopes gently toward the seawall and wide views across Stewart Lake.
Enjoy the bonus using the lake water to irrigation your yard. Morning coffee, dinner outside, an afternoon swim or simply sitting still for a while all make sense here. Morningside Recreation Complex is blocks away, with tennis, basketball, fitness, lap swimming and playground facilities, while Clearwater’s beaches, shopping, dining, both area airports and the greater Tampa Bay region are all within easy reach.
This is a home with room to gather, room to retreat and a waterfront setting that gives daily life a little more breathing room.
Description provided by KELLER WILLIAMS SOUTH TAMPA and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $675,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a 1965 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
- The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $4/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
- The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
- 4912 active listings competing, 1266 under contract
For reference, this home is listed at $675,000 ($331/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 2,042 sq ft × $291–$371/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 9, 2026.
Similar homes for sale near MORNINGSIDE ESTATES UNIT 3B
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by KELLER WILLIAMS SOUTH TAMPA · MLS # TB8538803
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Recent sales activity in MORNINGSIDE ESTATES UNIT 3B
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the MORNINGSIDE ESTATES UNIT 3B neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on MORNINGSIDE ESTATES UNIT 3B
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 1349 Stewart Boulevard, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1965 (61 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $4/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 2,042 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $7,088/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 9, 2026) |
| Community market stats | Stellar MLS closed sales, as of July 15, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 1349 Stewart Boulevard and when was it built?
Per the listing record, 1349 Stewart Boulevard was built in 1965 and has 2,042 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1349 Stewart Boulevard in?
1349 Stewart Boulevard is in Morningside Estates Unit 3B in Clearwater, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Morningside Estates Unit 3B from the same MLS data.
Does 1349 Stewart Boulevard have an HOA, and how much are the dues?
The listing reports HOA dues of $4 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 1349 Stewart Boulevard differ from the current owner's?
The estimate on this page (about $7,088 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1349 Stewart Boulevard in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
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MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.