2 bedroom Single Family Residence at 2076 Butternut Circle, Charter Oaks, Clearwater — photo 1Front elevation
New — 1 day on market Single Family Residence
$325,000
2-Bedroom Pool Home in CHARTER OAKS

2076 Butternut Circle, Clearwater, FL 33763

Single Family Residence in CHARTER OAKS, CLEARWATER · No CDD
CHARTER OAKS · Clearwater, FL 33763 · Pinellas
Listing data updated September 20, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,341Sq Ft
1980Year Built
$242Per Sq Ft
Private pool2-car garageNo CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$242 here vs $242 median sold (12 mo)
Buyer leverage
Seller-leaning
1 days on market
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of September 20, 2026, 2076 Butternut Circle in Charter Oaks, Clearwater is listed at $325,000 (1,341 sq ft, about $242 per sq ft). It came to market within the past week. Listing facts: built in 1980, a private pool, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 1980 · 46 yrs
  • 1,341 sq ft of living area
  • 2-car garage
  • New to market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 1980BuiltPer public record
  • Sep 20, 2026First trackedObserved at $325,000
  • 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.

Financing

Estimated monthly payment

$2,232/mo
  • Principal & interest $1,721/mo 77%
  • Taxes $284/mo 13%
  • Insurance $176/mo 8%
  • HOA $50/mo 2%

$2,232/mo at 20% down, 30-yr @ 6.95% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

51/100
Strongest on: Renovation upside (53), Price vs area (50)
0 limited50100 exceptional

51/100 is below average 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.

Price vs area50
This home $242/sq ft vs the community 12-month median $242/sq ft.
Affordability50
List price $325,000 vs the community median $325,000. Not a measure of personal affordability.
Renovation upside53
From a 1980 build and $242/sq ft vs the community median $242/sq ft. Not a condition assessment.

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.

Momentum Research

The Momentum read

🟡 Asking $242 per square foot, about in line with the community’s $242 median. ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM’s 12-month median sold price per square foot is $242. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

42% of homes in ENCHANTMENT CLEARWATER BEACH HOTEL CONDOMINIUM are owner-occupied. An estimated 58% are non-owner-occupied, including 23% held in a company or trust and 20% 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), 107 homes matched. Community-level context.

What’s unique here: one of only 1157 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 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Short Sale. Sale is subject to third-party/lender approval for final sales price and terms. Property is being sold AS-IS.

Bring your vision and unlock the potential of this Clearwater home! Situated on a large fenced lot with a private swimming pool, this property offers an exciting opportunity for buyers, investors, or renovators looking to create something of their own. The home is currently in the midst of renovation and is ready for the next owner to take over and bring it across the finish line.

Inside, you'll find a spacious floor plan with multiple living areas, generous room sizes, and plenty of possibilities to reconfigure, update, and personalize the space. Some improvements have already been started, while other areas are ready for your ideas. Roof installed in 2022.

Whether you're envisioning a modern open-concept design, additional entertaining space, or simply completing the existing renovation, there is plenty here to work with. There is a 180 Sq foot room with mini split AC that is not included in the Sq Footage and give you tons of options with this space. Outside is where the possibilities continue.

The large backyard (.28 acre) with white PVC fencing that provides room for pets, play, gardening, outdoor entertaining, or creating your own private Florida retreat. The in-ground swimming pool offers the centerpiece for a future backyard oasis, and the screened and covered outdoor areas provide additional space to enjoy Florida living. Located in Clearwater with convenient access to shopping, dining, major roadways, Tampa International Airport, St.

Pete-Clearwater International Airport, and the Gulf beaches. This is an opportunity for someone who isn't afraid of a project and can see the potential beyond the current condition. Property is being sold AS-IS and is subject to lender approval of a short sale.

Renovation is incomplete and the home needs substantial work. Buyers should perform their own due diligence regarding property condition, permits, repairs, pool condition, and any improvements needed. The property has a Veteran tax exemption and located in a non-flood zone.

Cash or renovation financing may be most appropriate due to the current condition. Please allow additional time for lender review and short-sale approval. The lender has indicated that the approval process may take approximately 60–90 days after a complete offer is submitted for review.

All terms and price are subject to lender approval.

Description provided by EXP REALTY and reproduced from the MLS; not independently verified.

Property facts & sources

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

List price$325,000
Bed / bath2 / 2
Living area1,341 sq ft
Year built1980
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #TB8549052
Listing statusNew — 1 day on market

Public records & third-party data

FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyPinellas
Area listings1157 active · 324 under contract
Estimated first-year tax~$3,412/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$242
Estimated monthly payment$2,232
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$325,000

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of EXP REALTY · Listing agent: Kathie Lea · 727-449-9276Provided 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™

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.

$285,633the mess$363,411

Actual list price: $325,000 — 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 1980 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
  • 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:

  • 1156 active listings competing, 324 under contract

For reference, this home is listed at $325,000 ($242/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,341 sq ft × $213–$271/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 20, 2026.

Keep looking

Similar homes for sale near CHARTER OAKS

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.

Newest listings in CHARTER OAKS

  • 2466 Ecuadorian Way #16 · $115,000 · 2 bd / 1.0 ba · listed September 19, 2026 (courtesy of EXP REALTY LLC)
  • 515 129th Avenue · $1,200,000 · 4 bd / 4.0 ba · listed September 19, 2026 (courtesy of MARK SPAIN REAL ESTATE)
  • 3921 Arlington Drive · $1,150,000 · 4 bd / 3.5 ba · listed September 19, 2026 (courtesy of COLDWELL BANKER REALTY)
  • 2000 World Parkway Boulevard #12 · $139,000 · 1 bd / 1.0 ba · listed September 19, 2026 (courtesy of ON TOP OF THE WORLD RE)
  • 4721 6th Avenue · $430,000 · 5 bd / 2.0 ba · listed September 19, 2026 (courtesy of HOME PRIME REALTY LLC)
  • 1021 Fairburn Avenue · $410,000 · 4 bd / 2.0 ba · listed September 19, 2026 (courtesy of MONTESOL REALTY, INC.)

Recently off market in CHARTER OAKS

Transparency

Price & listing history

Listed for $325,000Momentum Realty · on market 1 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$3,412/yr

A rough first-year estimate only, applying a typical Pinellas rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$2k–$3k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Not verified

Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.

Ground elevation
Not on record

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Seen enough photos?

Want to see 2076 BUTTERNUT CIRCLE?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by EXP REALTY · MLS # TB8549052

Request a showing

or call (904) 351-6461
Market data · public records

Recent sales activity in CHARTER OAKS

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 CHARTER OAKS neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$325,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$242

Canonical 12-month median $/sq ft. Reference only.

Go deeper on CHARTER OAKS

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

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.

Leila G Davis Elementary-PNAssigned elementary school · Pinellas County School District
GRADEA
Safety Harbor Middle-PNAssigned middle school · Pinellas County School District · Grade A (Florida DOE 2025-26)
GRADEA
Dunedin High-PNAssigned high school · Pinellas County School District · Grade A (Florida DOE 2025-26)
How it stacks up

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.

If you rent it out

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.

Estimated rent$1,490 – $2,167/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.2%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$783 – −$174At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

Items worth confirming for 2076 Butternut Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1980 (46 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
  • 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.
  • Listed living area is 1,341 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 $3,412/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.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed twice daily (last: September 20, 2026)
Community market statsStellar MLS closed sales, as of September 20, 2026
Flood zone & elevationNot verified for this address — look it up at msc.fema.gov
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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.

Answered before you ask

Frequently asked questions

How big is 2076 Butternut Circle and when was it built?

Per the listing record, 2076 Butternut Circle was built in 1980 and has 1,341 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 2076 Butternut Circle in?

2076 Butternut Circle is in Charter Oaks in Clearwater, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Charter Oaks from the same MLS data.

Does 2076 Butternut Circle have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

Why might property taxes on 2076 Butternut Circle differ from the current owner's?

The estimate on this page (about $3,412 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 2076 Butternut Circle in a flood zone?

A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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.

Ready when you are

See 2076 BUTTERNUT CIRCLE in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

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.