The Moorings of Sand Key is an owner-occupied waterfront condominium community on the Sand Key barrier island in Clearwater, Pinellas County, ZIP 33767. Sand Key is the quieter Gulf-and-Intracoastal island just south of Clearwater Beach, and the Moorings buildings date to the early 1980s development era of this stretch of Gulf Boulevard (mygulfcoastproperty.com and Channelside community guides, 2026).
This is a full-time and seasonal owner community, not a nightly-rental resort. The association requires a written rental application and board review before any lease, and works longer-term leasing rather than transient nightly stays, so confirm the current minimum lease term and approval process for the specific building (Moorings Condominium Association rules and regulations).
The barrier-island setting is the whole story. Florida law requires milestone structural inspections and a Structural Integrity Reserve Study for condo buildings three stories and higher, with coastal buildings inspected at 25 years, and funding those reserves is now mandatory (DBPR and Florida condo law guidance, 2025). On the coast that pairs with elevated windstorm premiums and the FEMA 50 percent rule, so the building's reserves, insurance, and storm history are the diligence that decides the buy.
The pitch is island living with eyes open: a quiet Gulf-access island a short drive from Clearwater Beach, bought on an honest read of the building's flood zone, master policy, reserve funding, and any post-2024 special assessment, not on the water view alone.
