Waterford Townhomes
Clearwater Homes for Sale

Built 2004 to 2005 · Clearwater, Pinellas County · ZIP 33764

A compact 2004 to 2005 Clearwater townhome community with an HOA, a community pool, and walkable access to the Morningside Recreation Complex on Harn Boulevard near US-19.

2004 to 2005 buildHOA with pool and groundsNear Pinellas Trail

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

Waterford Townhomes is a small, well-defined community, so the read is about the specific unit, the HOA finances, and the carrying cost versus comparable Clearwater townhomes and condos.

Free · No obligation

Unlock Off-Market Waterford Townhomes

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

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Avg DOM

Soft

Seller Leverage

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Median $/Sqft

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1-Yr Price Change

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Distress

Jon's Current Read

"Waterford Townhomes is a compact, purpose-built townhome community from 2004 to 2005, sitting on Harn Boulevard in Clearwater about a mile east of US Highway 19. It is a genuine owner-occupied attached-home product with an HOA that covers grounds maintenance and a community pool, and the Morningside Recreation Complex is literally next door. The community is small, which means the HOA reserve picture and the financial health of the association matter more here than in a large master plan. Your due-diligence checklist should lead with the current HOA budget and reserve study, followed by the unit insurance picture, the roof and systems age on the specific building, and then how the price compares to recently closed Clearwater townhomes. The Pinellas Trail runs within close reach, Clearwater Beach is roughly 20 minutes west, and St. Pete-Clearwater International Airport is about 10 to 15 minutes away. For a buyer who wants an attached home with a defined HOA, a known school path via Belcher, Oak Grove, and Clearwater High, and walkability to county recreation, this is a practical, well-located Clearwater entry point."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Waterford Townhomes is an established townhome community in Clearwater, Florida, built between 2004 and 2005 on Harn Boulevard near US Highway 19 in Pinellas County. The community consists of two- to three-bedroom attached townhomes ranging from approximately 1,146 to 1,544 square feet, with the HOA covering grounds maintenance and a community pool (Homes by Marco and Florida-HOA.net, 2026).

The community sits adjacent to the Morningside Recreation Complex, which offers pickleball, basketball, tennis, a playground, a fitness center, and more at no additional cost to Clearwater residents. The Pinellas Trail is also accessible nearby, providing a county-wide recreational corridor. Morton Plant Hospital, Clearwater's major medical center, is within a short drive.

Because Waterford Townhomes is a small community, the HOA reserve and financial health are a critical part of any purchase decision. Buyers should review the current budget, reserve study, and board meeting minutes during due diligence. Confirm the specific unit building age, roof condition, and insurance quote for the exact address.

Zoned schools are Belcher Elementary, Oak Grove Middle, and Clearwater High School, all in the Pinellas County School District. School assignments are by address and can change; confirm the exact zoned schools for the specific unit.

Quick Match

Who Waterford Townhomes is best for.

Best for

Buyers who want a defined, HOA-managed attached home in central Clearwater
Those who value walkable access to the Morningside Recreation Complex and the Pinellas Trail
Buyers who want a known Pinellas County school path from a fixed community
Those seeking a compact, well-located Clearwater townhome near US-19 and the beach corridor

Probably not for

Buyers who want a large, amenity-dense master plan with multiple pools and clubhouse
Anyone unwilling to review HOA reserves and financials on a small community
Buyers who need a no-HOA, single-family detached home
Buyers expecting new-construction warranties or a large variety of floor plans

Market Pulse

How Waterford Townhomes is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

57Median 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 Waterford Townhomes listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Brigadoon of Clearwater or Clearwater. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Waterford Townhomes buys, holds, and resells. See the five factors.

Interactive Map

Waterford Townhomes 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.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

Waterford Townhomes trades attached-home density for central Clearwater access: the beach, two airports, and county recreation are all within a manageable drive, and the Morningside Recreation Complex is next door.

Drive times from Waterford Townhomes on Harn Boulevard in Clearwater. All times are approximate and vary with traffic and time of day.

Morningside Recreation ComplexWalking distance · next door; pickleball, tennis, fitness

Clearwater Beach~15 to 25 min · ~8 to 10 miles west

St. Pete-Clearwater International Airport~10 to 20 min · ~8 to 10 miles

US Highway 19 retail corridor~5 min · shopping, dining, services

Morton Plant Hospital~10 min · Clearwater main medical center

Tampa International Airport~20 to 30 min · ~16 to 18 miles via US-19 or I-275

Downtown Clearwater~10 to 15 min · via Gulf to Bay Blvd

Drive times and distances are approximate. Confirm your real commute at your real departure time for the specific unit address.

Nearby Communities

Explore more neighborhoods near Waterford TownhomesClearwater with Momentum Realty’s local guides.

METhe MeadowsClearwater, FL · 0.8 mi LAThe LakesClearwater, FL · 0.9 mi MAMarymontClearwater, FL · 0.9 mi BPBayside PointeClearwater, FL · 1.0 mi HTHighland Terrace ManorClearwater, FL · 1.0 mi SKSkycrestClearwater, FL · 1.0 mi TAThe Towns atBelleair GroveClearwater, FL · 1.1 mi FTFeather TreeClearwaterClearwater, FL · 1.2 mi CRCoachman RidgeClearwater, FL · 1.3 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Waterford Townhomes (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

Waterford Townhomes 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)

Verifyrating

By address

Confirm zoned elementary, middle, and high

Verifyrating

Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Waterford Townhomes address.

The takeaway

What is shaping value at Waterford Townhomes: the Clearwater downtown revitalization corridor, the new Clearwater transit station, and the Pinellas County property redevelopment pipeline that brings long-term activity to this central location. Each item is sourced and linked.

Recent Developments in Waterford Townhomes

Development Intelligence

Our read on what is being built around Waterford Townhomes, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishCentral Clearwater is in a period of active public investment with a new city hall, a new transit hub, and major county property redevelopment being planned. These projects support long-term demand for well-located Clearwater attached homes near US-19.

New Clearwater Station transit hub under construction

2025 to 2027

BullishNotable impact

SignificanceRadius: Area

PSTA broke ground in August 2025 on the new Clearwater Station, a modern multimodal transit hub replacing the 1980s Park Street Terminal. Completion is expected in late 2026 or early 2027, improving county-wide transit access from central Clearwater.

Pinellas County government campus relocation opens downtown land

2026 and beyond

BullishMajor impact

SignificanceRadius: Area

Pinellas County is vacating approximately 24.5 acres of downtown Clearwater properties, with a request for developer proposals issued in June 2026. This is described as the largest redevelopment opportunity in Clearwater history, with implications for housing, retail, and amenity supply in the central Clearwater corridor.

Downtown Clearwater City Hall and mixed-use tower construction

2024 to 2028

BullishNotable impact

SignificanceRadius: Area

A new Clearwater City Hall began construction in 2024 and a 28-story mixed-use tower with 400 apartments and retail space is set to break ground in January 2026, with completion expected by April 2028. These projects bring population and activity to the broader Clearwater market.

Tight Clearwater attached-home inventory near US-19

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Waterford Townhomes is a small, fixed-size community with limited annual turnover. Comparable Clearwater townhome supply near US-19 is limited, which supports relative stability but also means fewer direct comps for accurate pricing.

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 Waterford Townhomes, 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 ↓

August 2025
Transit
PSTA breaks ground on new Clearwater Station
The Pinellas Suncoast Transit Authority and the City of Clearwater broke ground on the new Clearwater Station transit hub in August 2025, replacing the aging Park Street Terminal. The project is funded in part by a a confirmed amount million federal RAISE grant and is expected to be complete in late 2026 or early 2027. Why it matters: Improved multimodal transit access in downtown Clearwater strengthens the transit case for centrally located Clearwater communities, including those on the US-19 and Harn Boulevard corridor. Source
April 2026
Redevelopment
Pinellas County opens 24.5 acres of downtown Clearwater for redevelopment
Pinellas County announced plans to declare 32 county-owned properties in downtown Clearwater surplus and move them toward sale or long-term lease, representing approximately 24.5 acres and what is described as the largest redevelopment opportunity in Clearwater history. A request for developer proposals was expected in June 2026. Why it matters: Large-scale downtown Clearwater redevelopment brings long-term population and amenity growth to the broader central Clearwater market, supporting demand for well-located attached homes like those at Waterford Townhomes. 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 Waterford Townhomes buying strategy.

If we were buying in Waterford Townhomes, this is the order of operations we would run, and the one we run for our clients.

Pull the HOA financials first. Waterford Townhomes is a small community, so the reserve balance, budget, and any special assessments are the most important early diligence step.

Get an insurance quote on the specific address. Pinellas County townhome insurance varies by building age, flood zone, and wind exposure, so quote the exact unit before you fall for a list price.

Inspect the roof and building systems. With construction from 2004 to 2005, the roof and major systems are in the 20-plus-year range; confirm their condition in the inspection.

Check the flood zone for the parcel. The Harn Boulevard area is mostly outside high-risk flood zones, but verify the FEMA flood map designation and insurance requirement for the specific unit.

Cross-shop nearby Clearwater townhomes such as Brigadoon of Clearwater to calibrate price and HOA structure before you offer.

The Quick Decision

Best Buy

A well-maintained interior unit with updated finishes, verified HOA health, and a strong insurance picture

Biggest Risk

Buying without reviewing the HOA reserve study and the building roof and systems condition

Best Lot

A unit away from US-19 traffic noise, with confirmed flood zone and strong natural light

Smart Timing

Review the HOA budget and the recent closed comps before you offer

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

Waterford Townhomes is a small, purpose-built townhome community on Harn Boulevard in Clearwater built between 2004 and 2005. The community is managed by a homeowners association that covers grounds, the pool, and common areas, with no CDD reported. Immediately next door is the Morningside Recreation Complex, a Clearwater parks facility with pickleball, basketball, tennis, a playground, and a fitness center. The Pinellas Trail is also accessible nearby. The community has no golf or private club, and is an owner-occupied residential community.

Waterford Townhomes Homes For Sale

What your money buys in Waterford Townhomes.

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 Waterford Townhomes today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry Unit

A two-bedroom, two-bathroom townhome at the lower end of the community size range, in as-is or lightly updated condition, the most accessible entry point into the community.

Lowest entry

The Updated Mid

A two- or three-bedroom unit with updated kitchen or baths, move-in-ready condition, and a solid building maintenance record, the heart of the resale market here.

Most inventory

The Best Unit

A fully updated three-bedroom unit with the best floor plan, updated systems, and a strong HOA financial picture, the unit that holds value best in this small community.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$900K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

The Entry Unit

A two-bedroom, two-bathroom townhome at the lower end of the community size range, in as-is or lightly updated condition, the most accessible entry point into the community.

The Updated Mid

A two- or three-bedroom unit with updated kitchen or baths, move-in-ready condition, and a solid building maintenance record, the heart of the resale market here.

The Best Unit

A fully updated three-bedroom unit with the best floor plan, updated systems, and a strong HOA financial picture, the unit that holds value best in this small community.

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 Waterford Townhomes, 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 Waterford Townhomes 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 Waterford Townhomes holds value.

Our read on the factors that protect resale here, and the one to manage.

Kitchen updatesGood ROI on dated kitchens

Bath refreshStrong return on clean updates

FlooringTile or LVP over original

Roof and systemsHOA may cover roof; confirm scope

Paint and stagingHighest return per dollar

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 Waterford Townhomes

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.

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.

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.

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.

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.

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.

“

Waterford Townhomes is a small HOA community, so the deal is won or lost on the association finances, the building systems, and the carrying cost versus what comparable Clearwater townhomes closed for.

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.

7.3B · Buy Score

Resale Strength7.0/10

Renovation Risk5.8/10

Location Efficiency8.0/10

Long-Term Defensibility6.8/10

Carrying Cost Advantage7.2/10

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 Waterford Townhomes 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.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

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

Interior units generally quieter than those facing US-19 side streets
Flood zone is parcel specific; check FEMA and get an insurance quote
Roof age is 20-plus years; verify condition in the inspection
No CDD reported; confirm the parcel tax bill
HOA covers grounds and pool; reserves matter more than in a large community

At Waterford Townhomes, the unit position matters more than lot size since all homes are attached. Units away from the US-19 corridor tend to be quieter. The more important parcel-level check is the flood zone designation, the building insurance picture, and the roof condition. Because this is a small community, any roof or structural repair affects the HOA budget directly, so read the reserve study before committing to a price.

The 15-Second Verdict

Waterford Townhomes in 15 seconds.

Best forBuyers who want a small, HOA-managed Clearwater townhome near US-19, the Pinellas Trail, and Morningside Recreation Complex.

Biggest advantageWalk-next-door access to Morningside Recreation Complex and a defined HOA covering grounds and pool in a central Clearwater location.

Biggest riskHOA reserve shortfall or a special assessment on a small community, plus building systems and roof age approaching 20-plus years.

Sweet spotAn updated unit with verified HOA health and a good insurance quote, priced honestly to recent Clearwater townhome comps.

Avoid ifYou need a no-HOA home, a large master plan, or a new-construction warranty at this price point.

HOA, CDD & Fees

15-Second Take

HOA fees reported at roughly a confirmed amount to a confirmed amount per month; confirm current dues
Includes grounds maintenance, community pool, and common areas
No CDD reported; verify the tax bill for the specific parcel
Review the reserve study and budget before closing
Ask about any pending or recent special assessments

HOA fees at Waterford Townhomes have been reported in the range of approximately a confirmed amount to a confirmed amount per month (Homes by Marco, 2026). Confirm the current monthly dues and any pending special assessments directly with the HOA before making an offer.

The HOA covers grounds maintenance, the community pool, sidewalks, street lights, and common-area upkeep. There is no CDD reported for this community. Confirm the exact coverage and any exclusions in the current HOA documents.

Run Your Numbers

Tools for a Waterford Townhomes buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPinellas County millage and the homestead picture.Rent vs buyThe breakeven on owning in Waterford Townhomes.Save Our HomesProject your homestead tax cap over time.

The takeaway

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 Waterford Townhomes

Price to recent Clearwater townhome comps, not a county average.

Selling at Waterford Townhomes means pricing your unit to the handful of recent closed sales inside the community and to comparable Clearwater townhomes nearby, factoring your unit condition, updates, and HOA health. Buyers here are doing their math on carrying cost, not just list price.

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 Waterford Townhomes, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Brigadoon 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 Waterford Townhomes home worth?

Get a no-obligation home value based on real comparable sales in Waterford Townhomes 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.

See homes for sale in Waterford Townhomes on the map →
Or get your Waterford Townhomes home value & selling guide →

Real comps, not a Zestimate.

Waterford Townhomes Market Scorecard

Strong seller's market

Waterford Townhomes 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

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).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

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 Waterford Townhomes in Clearwater?

Waterford Townhomes is on Harn Boulevard in Clearwater, Florida, in Pinellas County (ZIP 33764), near the intersection of US Highway 19 and Harn Boulevard. The Morningside Recreation Complex is immediately adjacent to the community.

When was Waterford Townhomes built?

The community was built between 2004 and 2005. The HOA was established on March 5, 2004 (Florida-HOA.net, 2026).

What types of homes are in Waterford Townhomes?

Waterford Townhomes consists of attached two- and three-bedroom townhomes ranging from approximately 1,146 to 1,544 square feet, with two to three bathrooms (Homes by Marco, 2026).

What does the Waterford Townhomes HOA cover?

The HOA covers grounds maintenance, the community pool, sidewalks, street lights, and common areas. Confirm the exact current coverage and dues directly with the association, as these can change.

What are the HOA fees at Waterford Townhomes?

HOA fees have been reported in the range of approximately a confirmed amount to a confirmed amount per month (Homes by Marco, 2026). Confirm the current monthly dues and any special assessments before you offer.

Is there a CDD at Waterford Townhomes?

No CDD has been reported for this community. Verify the specific parcel tax bill to confirm there are no additional district fees.

What schools serve Waterford Townhomes?

The community is reported to be zoned for Belcher Elementary School (PK to Grade 5), Oak Grove Middle School (Grades 6 to 8), and Clearwater High School (Grades 9 to 12), all in the Pinellas County School District. Confirm the exact zoned school assignments for the specific unit, as boundaries can change (Homes by Marco, 2026).

Is Waterford Townhomes in a flood zone?

The Harn Boulevard area is generally at lower flood risk, but flood zone designation is parcel-specific. Always run the FEMA flood map check and get a flood insurance quote for the exact address during due diligence.

How far is Waterford Townhomes from Clearwater Beach?

Clearwater Beach is approximately 8 to 10 miles west, roughly 15 to 25 minutes by car depending on traffic. Drive times vary by route and time of day.

How far is it from Waterford Townhomes to Tampa International Airport?

Tampa International Airport is approximately 16 to 18 miles by road, roughly 20 to 30 minutes depending on traffic and your route, typically via US-19 or I-275.

Is St. Pete-Clearwater International Airport close?

Yes. St. Pete-Clearwater International Airport is approximately 8 to 10 miles from the community, typically 10 to 20 minutes by car.

What recreational amenities are near Waterford Townhomes?

The Morningside Recreation Complex is immediately adjacent and offers pickleball, basketball, tennis, a playground, and a fitness center at no additional charge for Clearwater residents. The Pinellas Trail is also accessible nearby for walking and cycling across the county.

What is the community pool situation at Waterford Townhomes?

Waterford Townhomes has a community pool covered by the HOA. Confirm current pool status and rules in the HOA documents.

Are pets allowed at Waterford Townhomes?

Pets including cats and dogs are reported as allowed (Homes by Marco, 2026). Confirm current pet policies, any breed or weight restrictions, and number limits directly with the HOA.

How does Waterford Townhomes compare to other Clearwater townhome options?

Waterford Townhomes is a small, compact community, so HOA financial health and the specific unit condition matter more than in a large community. Cross-shopping with nearby Clearwater attached-home options, such as Brigadoon of Clearwater, helps calibrate the right price for condition and carrying cost.

Who is the best real estate agent for Waterford Townhomes?

The best agent for Waterford Townhomes is one who actively works Clearwater and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Waterford Townhomes.

How do I find a top Clearwater real estate agent who knows Waterford Townhomes?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Waterford Townhomes and the wider Clearwater area.

Can Momentum Realty connect me with an agent for Waterford Townhomes?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Waterford Townhomes purchase or sale — no call center and no pressure.

The Verdict

Should you buy in Waterford Townhomes?

An honest fit check. We will tell you when it is not your community.

Buyers who want a defined HOA-managed townhome in central Clearwater near US-19Excellent fit

Those who want walkable access to the Morningside Recreation Complex next doorExcellent fit

Buyers who value a known Pinellas County school assignment from a fixed community addressExcellent fit

Those who will review the HOA finances and do condition due diligence on the specific unitExcellent fit

Buyers who want a 2004 to 2005 build with a community pool and relatively low maintenance lifestyleExcellent fit

Buyers who want a large, amenity-dense master plan or resort-style communityProbably not

Anyone unwilling to read the HOA reserve study and budget before closingProbably not

Buyers who need a detached single-family home with no shared wallsProbably not

Buyers expecting new-construction pricing or warranties at this locationProbably not

Those who are not prepared to budget for potential building roof and systems updatesProbably not

Get the inside read on Waterford Townhomes

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Waterford Townhomes 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.

You are all set.

A Momentum Realty Waterford Townhomes specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Waterford Townhomes — what to look for, questions to ask, and your local expert.

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.

Waterford TownhomesClearwater Homes for Sale

The 60-Second Overview

Who Waterford Townhomes is best for.

Best for

Probably not for

How Waterford Townhomes is performing right now

Waterford Townhomes on the map.

How far is everything?

Nearby Communities

Schools

Pinellas County Public Schools (verify by address)

Confirm zoned elementary, middle, and high

Magnet and choice options may apply

Recent Developments in Waterford Townhomes

New Clearwater Station transit hub under construction

Pinellas County government campus relocation opens downtown land

Downtown Clearwater City Hall and mixed-use tower construction

Tight Clearwater attached-home inventory near US-19

PSTA breaks ground on new Clearwater Station

Pinellas County opens 24.5 acres of downtown Clearwater for redevelopment

The Waterford Townhomes buying strategy.

The full read, only if you want it.

What your money buys in Waterford Townhomes.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Waterford Townhomes holds value.

5 Mistakes Buyers Make in Waterford Townhomes

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Waterford Townhomes is different.

Which Lots & Views Hold Value Best

Waterford Townhomes in 15 seconds.

HOA, CDD & Fees

Tools for a Waterford Townhomes buy.

Price to recent Clearwater townhome comps, not a county average.

In Waterford Townhomes, condition and view decide your number

What is your Waterford Townhomes home worth?

Price History: What Homes Here Have Actually Sold For

Waterford Townhomes Market Scorecard

Frequently Asked Questions

Should you buy in Waterford Townhomes?

Get the inside read on Waterford Townhomes

You are all set.

Need to sell fast in Pinellas County?

You just read the data. Now see what your home is worth.

Waterford Townhomes
Clearwater Homes for Sale