Condo subdivision · Island Estates, Clearwater · Pinellas County · ZIP 33767
A condo subdivision in Clearwater's owner-occupied Island Estates island community, where the carry cost is shaped by flood insurance, windstorm premiums, and Florida milestone-inspection and reserve-funding law.
Waterfront island community1960s to 1970s built eraFlood and insurance read essential
Live Market Pulse
50/100 Momentum
Buyer-Leaning Market (limited data)
Island Estate of Clearwater Units 6D, 7A, and 7C is an MLS subdivision name covering condo units within the broader Island Estates waterfront community. Fees, flood zone, insurance, milestone status, and reserve funding vary by building and unit; verify every line per the specific unit before you offer.
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Unlock Off-Market Island Estate Units 6D 7A 7C
Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.
Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulseStellar MLS
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Median Price
0mo
Supply
n/a
Avg DOM
Soft
Seller Leverage
n/a
Median $/Sqft
n/a
1-Yr Price Change
0now
Distress
Jon's Current Read
"Island Estate of Clearwater Units 6D, 7A, and 7C sits inside the Island Estates island community of Clearwater, a bridge-connected waterfront neighborhood developed primarily in the 1960s and 1970s. This is owner-occupied residential real estate, not a transient nightly-rental complex; the City of Clearwater imposes a 31-day minimum rental floor in residential districts, and any condo buyer planning to rent should verify the specific building rules and city ordinance before closing. The carry cost read here is non-trivial. Island Estates sits in a flood-zone corridor that took direct hits from Hurricanes Helene and Milton in 2024; flood insurance and windstorm premiums must be quoted for the exact unit address. Florida law now requires condominiums of three or more habitable stories to complete milestone structural inspections and a Structural Integrity Reserve Study; buildings that reached 30 years of age before July 1, 2022 faced a December 31, 2024 milestone deadline, and associations must fund SIRS reserves beginning January 1, 2026. Before you close, confirm the building has completed its milestone inspection, review the SIRS, check whether reserves are funded or a special assessment is pending, and obtain the master policy and the HO-6 insurance quotes. The FEMA 50 percent Substantial Improvement rule also applies to any renovations in this flood-zone corridor; cumulative permitted work equaling 50 percent of the structure market value triggers full flood-code compliance, including elevation."
Jon Brooks, founder, Momentum Realty · Updated June 2026
The 60-Second Overview
Island Estate of Clearwater Units 6D, 7A, and 7C is a condo subdivision within the Island Estates community of Clearwater (Pinellas County, ZIP 33767), a bridge-connected island neighborhood developed primarily in the 1960s and 1970s. The broader community pairs single-family waterfront homes on finger canals with mid-rise condos and includes a small walkable commercial node along Island Way (multiple real estate guides, 2024 to 2026). A civic association organized by residents in 1964 maintains the community character (Island Estates Civic Association, myislandestates.net).
The location carries genuine amenity value: the Island Estates Yacht Club provides a social anchor for the community, Clearwater Beach is reachable in minutes by car or boat, and the Clearwater Marine Aquarium is a short drive. The island bridge connection to the mainland and its proximity to the Gulf make it one of the more sought-after waterfront addresses in Pinellas County. Schools zoned for Island Estates have included Plumb Elementary, Oak Grove Middle, and Clearwater High School (property listings and local guides, 2024 to 2026); confirm the current assignment by address with Pinellas County Schools, as boundaries can change.
The honest carry cost read is the real work here. The community sits in a FEMA high-risk flood zone corridor; much of coastal Clearwater carries AE or VE designation, with VE zones along Gulf-facing areas and AE zones common through the Intracoastal. Flood insurance is lender-required in Special Flood Hazard Areas and must be quoted for the specific address. Windstorm insurance adds another premium line; Citizens Property Insurance is common in this market. Quote both before signing.
Florida post-Surfside condo safety law adds another layer to diligence on any building in this era and location. Associations are required to complete milestone structural inspections and a Structural Integrity Reserve Study; reserve waivers are no longer permitted for critical structural elements in budgets adopted on or after January 1, 2025. Confirm the specific building milestone inspection status, review the SIRS and reserve schedule, and assess whether a special assessment is possible before you close.
Quick Match
Who Island Estate Units 6D 7A 7C is best for.
Best for
Buyers who want a waterfront island address in Clearwater with condo ownership
Buyers who will read the flood zone, insurance, and condo carry costs carefully before closing
Buyers comfortable with a 1960s to 1970s building era and the inspection and reserve picture
Buyers who want proximity to Clearwater Beach and the marina lifestyle of Island Estates
Probably not for
Buyers expecting to run transient nightly rentals (city 31-day minimum and building rules apply)
Buyers who will not review milestone inspection, SIRS, and reserve-funding schedule before closing
Buyers who need the lowest possible insurance carry cost (flood and windstorm premiums are real here)
Buyers who want a newer building with a clean structural history and fully funded reserves
Market Pulse
How Island Estate Units 6D 7A 7C is performing right now
50/100 momentum
Buyer-Leaning Market (limited data)
Seller's marketBalancedBuyer's market
0Months of supplytight
72Median days on marketdays
0 : 0Under contract vs for salestrong demand
0Sold in last 12 monthsliquidity
+127%Median price since 2012appreciation
+0%Asking vs recent sold $/sqftroom to negotiate
Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.
Live from Stellar MLS, as of June 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Island Estate Units 6D 7A 7C listings and the trailing twelve months of closed sales.
8.6A- score
Momentum intelligence
Momentum buy score
Our proprietary read on how a home in Island Estate of Clearwater Units 6D 7A 7C buys, holds, and resells. See the five factors.
Interactive Map
Island Estate Units 6D 7A 7C on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.
Island Estates trades a higher insurance carry cost for one of Clearwater's best waterfront island locations, with Clearwater Beach a few minutes away and Tampa International reachable in under 45 minutes.
Drive times from Island Estates, Clearwater. Approximate and vary with traffic and your exact starting point on the island.
Clearwater Beach (via Sand Key Bridge area)~5 to 10 min · Gulf beach access
Clearwater Marine Aquarium~5 to 8 min · Island Way location
Island Estates Yacht Club~2 to 5 min · within the community
Downtown Clearwater~10 to 15 min · via Memorial Causeway
St. Pete-Clearwater International Airport~20 to 25 min · via US 19 corridor
Tampa International Airport~35 to 45 min · via Courtney Campbell
Downtown St. Petersburg~35 to 45 min · via Pinellas Bayway
Distances and drive times are approximate and vary with traffic and your exact unit location. Confirm your real commute at your real departure time.
Nearby Communities
Explore more neighborhoods near Island Estate of ClearwaterUnits 6D, 7A & 7C with Momentum Realty’s local guides.
No CDD bond means thousands less per year than newer master plans.
Typical CDD community~$2,500/yr
Island Estate Units 6D 7A 7C (no CDD)$0/yr
Roughly $25,000 saved over 10 years in carrying cost, before resale.
Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.
Schools
15-Second Take
Pinellas County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby
Island Estate Units 6D 7A 7C is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.
Public
Pinellas County Public Schools (verify by address)
What is actually shaping value in Island Estate of Clearwater Units 6D, 7A, and 7C: the 2024 storm season and its insurance aftermath, Florida condo safety law changes that affect every older coastal building, and the broader Pinellas County flood-zone picture post-hurricane. Each item is sourced and linked.
Recent Developments in Island Estate of Clearwater Units 6D 7A 7C
Development Intelligence
Our read on what is being built around Island Estate Units 6D 7A 7C, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.
Net OutlookBullishThe location fundamentals of Island Estates remain strong, but the carry cost headwinds, including flood insurance, windstorm premiums, and reserve-funding obligations under Florida condo law, are real and must be factored into any valuation. Buildings that have completed milestone inspections and fund reserves are better positioned than those that have not.
Hurricanes Helene and Milton hit Island Estates in fall 2024
Oct 2024
BearishMajor impact
SignificanceRadius: Community
Island Estates experienced storm surge from Helene and wind damage from Milton in back-to-back weeks in fall 2024. Buyers should ask about post-storm repairs, insurance claims, and any structural work completed on the specific building.
Florida condo milestone and reserve law now fully in effect
2024 to 2026
NeutralMajor impact
SignificanceRadius: Area
Florida milestone inspection and SIRS reserve-funding requirements directly affect 1960s and 1970s coastal buildings. Reserve waivers are prohibited in budgets adopted on or after January 1, 2025; special assessments are possible in buildings that have deferred funding.
Pinellas flood zone and FEMA 50 percent rule headwinds ongoing
Ongoing
BearishNotable impact
SignificanceRadius: Area
Pinellas County carries AE and VE flood zone designations across much of its coastal corridor. The FEMA 50 percent Substantial Improvement rule limits renovation scope in flood zones, and cumulative permitted work must be tracked carefully to avoid triggering mandatory elevation.
Windstorm and flood insurance costs rising on the Pinellas coast
2025 to 2026
BearishNotable impact
SignificanceRadius: Area
Post-2024 storm season insurance repricing is a real factor across coastal Pinellas. Citizens Property Insurance is common in this market; confirm the master policy, the wind deductible, and the unit-level HO-6 cost before finalizing any offer.
Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.
Development, infrastructure, retail, and school activity affecting Island Estate of Clearwater Units 6D 7A 7C, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.
Showing the latest, scroll for all updates ↓
October 2024
Storm
Hurricanes Helene and Milton impact Island Estates, Clearwater
Island Estates experienced significant damage from back-to-back storms in fall 2024; Helene brought storm surge and Milton added wind damage to the island community. Clearwater Beach and nearby coastal areas reported major structural and flooding impacts across the neighborhood. Why it matters: Any buyer should ask the association and the seller about post-storm repairs, insurance claims filed on the building, and whether structural assessment work has been completed on the specific unit or building. Source
February 2026
Regulation
Pinellas County AE and VE flood zone guide covers 50 percent rule for 2025 to 2026
A detailed guide covering FEMA flood zone designations, the 50 percent Substantial Improvement rule, and renovation requirements for AE and VE zones across Pinellas County was published in February 2026, providing framework for homeowners and buyers navigating coastal condo renovation in the post-hurricane environment. Why it matters: Buyers in Island Estates should understand the FEMA 50 percent rule before budgeting any renovation; cumulative permitted work is tracked across a rolling 12-month period, and exceeding the threshold triggers full flood-code compliance including possible elevation. Source
January 2025
Law
Florida SIRS reserve funding becomes mandatory for condo budgets adopted in 2025
Florida condo law changes for budgets adopted on or after January 1, 2025 prohibit associations from waiving reserves for critical structural elements covered by the Structural Integrity Reserve Study. Associations required to complete a SIRS by December 31, 2025 must begin funding those reserves in the following budget cycle. Why it matters: For any older condo building in Island Estates, ask for the SIRS completion status, the reserve balance as a percentage of the study requirements, and whether any special assessment is anticipated. This is material to pricing and carry cost. Source
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Strategy
The Island Estate Units 6D 7A 7C buying strategy.
If we were buying in Island Estate Units 6D 7A 7C, this is the order of operations we would run, and the one we run for our clients.
1
Confirm the milestone inspection status for the specific building. Florida law required buildings that reached 30 years of age before July 1, 2022 to complete the inspection by December 31, 2024; verify the report is on file and review Phase 2 findings if applicable.
2
Review the SIRS and reserve-funding schedule. Reserve waivers are no longer permitted for critical structural elements in budgets adopted on or after January 1, 2025; ask what the reserve balance is and whether a special assessment is pending or possible.
3
Quote flood and windstorm insurance for the exact unit address. Much of the Clearwater island corridor carries AE or VE flood-zone designation; both premiums must be in hand before you negotiate a price.
4
Obtain and review the master condo policy. Confirm what the association covers and what requires an HO-6 unit-owner policy; the gap between master and unit coverage is a common surprise at closing.
5
Understand the FEMA 50 percent rule before planning any renovation. In a flood zone, cumulative permitted work equaling 50 percent of the structure market value triggers full flood-code compliance including elevation; plan scope accordingly.
The Quick Decision
Best Buy
A well-maintained unit in a building that has completed its milestone inspection and funds reserves
Biggest Risk
Buying without reviewing the milestone inspection, SIRS, reserve balance, and special-assessment risk
Best Lot
Confirm the specific unit flood zone and elevation certificate before closing
Smart Timing
Carry costs including flood, windstorm, HOA, and reserve contributions are the number to verify first
Deep-Dive Intelligence
The full read, only if you want it.
The takeaway
On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.
Community Details at a Glance
Island Estates is a bridge-connected island community in Clearwater with a walkable commercial node along Island Way, the Island Estates Yacht Club, marina access, and proximity to Clearwater Beach and the Clearwater Marine Aquarium. The civic association, organized in 1964, maintains the community character and works with the city on safety and neighborhood issues. The community is owner-occupied residential; the city 31-day minimum rental ordinance applies. Confirm any specific condo building amenities, common areas, pool, and parking rules through the building association documents.
Island Estate Units 6D 7A 7C Homes For Sale
What your money buys in Island Estate Units 6D 7A 7C.
The takeaway
Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.
Here are the broad resale bands in Island Estate Units 6D 7A 7C today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.
The Condo Entry
Smaller or older units in Island Estate Units 6D, 7A, and 7C at the entry tier of the island condo market; condition, flood zone, and building health determine whether the entry price is fair.
Lowest entry
The Updated Waterfront Unit
Renovated units with updated interiors and water or canal views; the sweet spot for resale in this community, provided the building carries a clean inspection record and funded reserves.
Most inventory
The Premium Island Position
Larger units or those with direct waterfront orientation and dock access; the top of the range, where building structural health and insurance carry cost are the most critical diligence items.
Strongest resale
Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.
Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.
The Condo Entry
Smaller or older units in Island Estate Units 6D, 7A, and 7C at the entry tier of the island condo market; condition, flood zone, and building health determine whether the entry price is fair.
The Updated Waterfront Unit
Renovated units with updated interiors and water or canal views; the sweet spot for resale in this community, provided the building carries a clean inspection record and funded reserves.
The Premium Island Position
Larger units or those with direct waterfront orientation and dock access; the top of the range, where building structural health and insurance carry cost are the most critical diligence items.
Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.
Operator Intelligence
Renovation & Resale Intelligence
The factors that actually move value in Island Estate Units 6D 7A 7C, condition, lot, and the renovation math, read from current listings and recent sales.
15-Second Take
Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay
Proprietary Data
The renovation premium.
Renovated-listing inventory in Island Estate Units 6D 7A 7C is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.
Lot Value
The lot premium.
On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.
Operator Note
Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.
Resale Strength Scorecard
How well Island Estate Units 6D 7A 7C holds value.
Our read on the factors that protect resale here, and the one to manage.
Flood zone renovation complexityAE or VE zone likely; verify per address
Building era (1960s to 1970s stock)Older; verify systems and structure before renovating
Post-storm repair historyAsk about Helene and Milton work on the specific building
Reserve and special-assessment riskSIRS and reserve status are material to value
Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.
Operator Note
The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.
5 Mistakes Buyers Make in Island Estate Units 6D 7A 7C
15-Second Take
Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check
The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.
1
Calling the listing agent
The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.
2
Misjudging the renovation math
A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.
3
Overpaying for an interior lot
A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.
4
Underbudgeting the carrying costs
Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.
5
Skipping the systems check
An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.
“
Island Estates is one of the Gulf Coast's best waterfront island communities. The deal is won or lost on the condo building inspection status, reserve health, flood zone, and insurance carry cost, not just the view.
Jon Brooks · Founder, Momentum Realty
Momentum Intelligence
Momentum Buy Score.
Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.
7.4B · Buy Score
Resale Strength7.6/10
Renovation Risk5.8/10
Location Efficiency8.8/10
Long-Term Defensibility7.2/10
Carrying Cost Advantage4.4/10
Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.
Momentum Housing Intelligence
Why our read on Island Estate Units 6D 7A 7C is different.
Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.
Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.
Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.
Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior
Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.
15-Second Take
Flood zone is parcel and unit specific; run the FEMA check per address
Request an Elevation Certificate for any unit before planning renovations
Waterfront and canal-view positions command premiums; verify flood designation
Building structural health and reserve status outweigh the lot position here
In a coastal condo community like Island Estates, the unit position matters for desirability but the building structural and financial health matters more for long-term value. Waterfront and canal-facing units carry premiums, but a premium unit in a building with deferred maintenance, an underfunded reserve, or an unfiled milestone inspection is a risk, not a bargain. Request the Elevation Certificate for the specific unit, confirm the flood zone, understand the FEMA 50 percent rule before any renovation budget, and read the condo association financials before you price the view.
The 15-Second Verdict
Island Estate Units 6D 7A 7C in 15 seconds.
Best forWaterfront condo buyers who want a Clearwater island address and will do the carry cost homework.
Biggest advantageIsland Estates location: Clearwater Beach proximity, marina lifestyle, and a true waterfront island community.
Sweet spotA milestone-inspected, reserve-funded building with a clean structural report and current insurance picture.
Avoid ifYou will not review the SIRS, reserve balance, and special-assessment risk before you close.
HOA, Condo Fees & Carry Cost
15-Second Take
Verify the exact HOA or condo fee for the specific unit and building
Confirm what the master policy covers; HO-6 fills the gap for unit interiors
Ask whether flood insurance is carried at the building level or required per unit
Review the reserve balance and SIRS before signing; special assessments are possible
The 31-day city minimum rental rule applies; confirm building rules on leasing
HOA or condo association dues vary by building within Island Estates; confirm the exact monthly or annual fee for the specific unit. Some single-family homes in the broader Island Estates community carry only a nominal civic-association fee, while condo buildings carry full association dues covering building-level expenses. Verify the exact fee schedule per the unit and association documents.
In buildings with a condo association, dues typically cover building exterior, roof, common areas, and insurance on the structure (the master policy). Confirm what the master policy covers versus what requires a unit-owner HO-6 policy for interior finishes, personal property, and liability. Flood insurance may be part of the master policy or may require a separate unit-owner flood policy; confirm which applies to the specific building.
Run Your Numbers
Tools for a Island Estate Units 6D 7A 7C buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.
Selling in Island Estate Units 6D 7A 7C
Price to the building condition, insurance picture, and reserve health, not just the view.
Selling a condo in Island Estate of Clearwater means competing on more than location. Buyers in this market are increasingly asking for the milestone inspection report, the SIRS, the reserve balance, and the insurance carry cost before they negotiate. Pricing to those facts, not just the water view, is what moves a unit.
Momentum listings (YTD)
97.98%
Sold-to-list ratio across our market for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.
Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.
In Island Estate Units 6D 7A 7C, condition and view decide your number
Because buyers here are weighing your home against renovated comps and cross-shopping Island Estates of Clearwater, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.
What is your Island Estate Units 6D 7A 7C home worth?
Get a no-obligation home value based on real comparable sales in Island Estate Units 6D 7A 7C matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
Price History: What Homes Here Have Actually Sold For
Median sale prices in Island Estate of Clearwater Units 6D 7A 7C year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.
Island Estate of Clearwater Units 6D 7A 7C Market Scorecard
Strong seller's market
Island Estate of Clearwater Units 6D 7A 7C is currently a strong seller's market. About 1.8 months of supply, a median asking price of $1,019,500, and homes go under contract in about 79 days.
1.8
Months supply
$1,019,500
Median list
$847,500
Median sold
$313
Per sqft
79
Days on mkt
6/8/41
Active/Pend/Sold
Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).
Live data: Stellar MLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Where is Island Estate of Clearwater Units 6D 7A 7C?
Island Estate of Clearwater Units 6D, 7A, and 7C is a condo subdivision within Island Estates, a bridge-connected waterfront island community in Clearwater, Pinellas County, Florida, ZIP 33767. The broader Island Estates neighborhood sits between the mainland and Clearwater Beach on a set of finger-canal islands in the Intracoastal.
Is Island Estates Clearwater owner-occupied or a transient rental community?
Island Estates is an owner-occupied residential island community, not a transient nightly-rental complex. The City of Clearwater enforces a 31-day minimum rental requirement in residential zoning districts (Clearwater Municipal Code, Section 3-1206). Individual condo buildings may have their own additional leasing restrictions; confirm the specific building rules before buying with rental intent.
What flood zone is Island Estates Clearwater in?
Much of coastal Clearwater and the Island Estates corridor carries FEMA high-risk flood zone designation, including AE zones throughout the Intracoastal area and VE zones along Gulf-facing coastal segments. Flood insurance is lender-required in Special Flood Hazard Areas. Run the specific unit address through the FEMA Flood Map Service Center (msc.fema.gov) and obtain a flood insurance quote before you negotiate a price.
What is the FEMA 50 percent rule and does it apply here?
The FEMA Substantial Improvement rule, commonly called the 50 percent rule, requires that if cumulative renovation costs in a 12-month period equal or exceed 50 percent of the structure market value, the entire structure must be brought into full flood-zone compliance, including elevation if needed. This applies to properties in FEMA Special Flood Hazard Areas throughout Pinellas County. Before planning any renovation in Island Estates, understand your unit structure value, your threshold, and how permitted work is tracked (Revolution Contractors, Pinellas County Flood Zone Guide, February 2026).
What is a Florida milestone inspection and does my building need one?
Florida law requires condominiums of three or more habitable stories to undergo milestone structural inspections when the building reaches a certain age. Buildings that reached 30 years of age before July 1, 2022 were required to complete the initial inspection by December 31, 2024. A Phase 2 inspection is required if Phase 1 finds substantial structural deterioration. Confirm the specific building has completed its required inspection and review the findings before closing.
What is a Structural Integrity Reserve Study and why does it matter?
Florida law requires condo associations to complete a Structural Integrity Reserve Study covering critical structural components and to fund those reserves; budgets adopted on or after January 1, 2025 may not waive SIRS reserves. For any building in Island Estates built in the 1960s or 1970s, ask for the SIRS, the reserve balance, and whether any special assessment has been levied or is anticipated. Underfunded reserves or a large pending assessment is a material factor in pricing and carry cost.
How does windstorm insurance work for a condo in Island Estates?
Windstorm insurance is a separate coverage layer from standard condo insurance in coastal Florida. At the building level, the condo association typically carries wind coverage on the structure; confirm whether the master policy includes windstorm or whether a separate policy applies. At the unit level, an HO-6 policy covers interior finishes and personal property but the wind deductible on a coastal building can be substantial. Quote both the master policy gap and your HO-6 wind coverage before you close.
What happened to Island Estates during Hurricanes Helene and Milton in 2024?
Island Estates experienced significant storm impact from both Hurricane Helene in late September 2024 and Hurricane Milton in early October 2024. Helene brought damaging storm surge while Milton added wind damage. Residents described widespread damage across the community (Tampa Bay Times, October 2024; NBC News, October 2024). Any buyer should ask about post-storm repairs, insurance claims filed, and whether structural work has been completed on the specific building.
What schools serve Island Estates Clearwater?
Properties in Island Estates have generally been zoned for Plumb Elementary School, Oak Grove Middle School, and Clearwater High School within Pinellas County Schools (property listings and local guides, 2024 to 2026). School assignments are by address and can change; confirm the current zoning for the specific unit with Pinellas County Schools before relying on any school assignment.
How close is Island Estates to Clearwater Beach?
Island Estates is separated from Clearwater Beach by the Intracoastal; the drive is typically around 5 to 10 minutes depending on exact location and traffic. Clearwater Marine Aquarium is also nearby on Island Way, and the community has marina access via the Island Estates Yacht Club. Confirm actual drive times from the specific address.
Does Island Estates have a civic association?
The broader Island Estates community has a civic association, the Island Estates Civic Association, organized by residents in 1964, which focuses on community safety, welfare, and lifestyle maintenance (Island Estates Civic Association, myislandestates.net). Individual condo buildings within the community have their own condo associations with separate dues and governance; confirm the specific building fee, rules, and financial health before buying.
What is the development era of Island Estate of Clearwater Units 6D 7A 7C?
The broader Island Estates community developed primarily in the 1960s and 1970s; the islands were transformed from mangrove islands into a residential waterfront community during that era (Island Estates Civic Association history; Clearwater Beach Association history). Confirm the specific building year, any major renovation history, and the current structural inspection status per the milestone-inspection requirements.
Can I short-term rent a condo in Island Estates?
The City of Clearwater enforces a 31-day minimum rental requirement in residential zoning districts under Municipal Code Section 3-1206. Short-term nightly rentals are not permitted under the standard residential zoning that covers Island Estates. Individual condo buildings may also have stricter leasing rules in their declarations. Verify both the city ordinance and the building documents before buying with any rental intent.
How do I evaluate the carry cost of a condo in Island Estates?
The full carry cost picture for a condo in Island Estates includes: HOA or condo association dues (verify per building), flood insurance (quote the specific address; lender-required in high-risk flood zones), windstorm insurance (quote the master policy gap and HO-6), property taxes (verify the Pinellas County tax bill for the specific unit), and any reserve contribution or special assessment from the condo association. Run all five lines before you calculate your all-in monthly cost.
Is Island Estate of Clearwater Units 6D 7A 7C a good investment?
Island Estates is a desirable waterfront address in Pinellas County with strong location fundamentals and proximity to Clearwater Beach. For any condo in this era and location, investment outcomes are heavily influenced by the building health: milestone inspection findings, reserve funding, insurance carry cost, and post-storm repair history. A well-maintained unit in a financially sound building can hold value; a unit in a building with deferred maintenance or an underfunded reserve carries real risk. This is not a guarantee of future value; verify the building-specific facts with a real estate professional and a licensed inspector before you close.
What is the peer comparison for Island Estate of Clearwater Units 6D 7A 7C?
The closest comparison is the broader Island Estates of Clearwater community, which covers the full island neighborhood including both single-family waterfront homes and condos. Buyers comparing condo options in Clearwater may also consider communities along Sand Key and the Clearwater Beach corridor, though each carries its own flood zone, building age, and association structure. Confirm the specifics for any comparison property.
The Verdict
Should you buy in Island Estate Units 6D 7A 7C?
An honest fit check. We will tell you when it is not your community.
Waterfront condo buyers who want an established Island Estates address near Clearwater BeachExcellent fit
Buyers who will review the milestone inspection, SIRS, and reserve balance before closingExcellent fit
Buyers comfortable with the flood-zone and windstorm insurance carry cost at this locationExcellent fit
Buyers who will verify the specific building HOA fees, master policy, and leasing rulesExcellent fit
Buyers with a long-term ownership horizon matched to the island community lifestyleExcellent fit
Buyers planning transient nightly rentals (city 31-day minimum and building rules apply)Probably not
Buyers who will not review the condo building inspection status and reserve pictureProbably not
Buyers who need the lowest possible insurance and carry cost in the marketProbably not
Buyers unwilling to budget for possible special assessments on an older coastal buildingProbably not
Buyers who want a newer building with a clean structural history from the ground upProbably not
Get the inside read on Island Estate Units 6D 7A 7C
Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Island Estate Units 6D 7A 7C home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.
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Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX 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; deemed reliable but not guaranteed by MLS GRID.
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