Beds
2
Baths
2
Sq Ft
1,595 sq ft
Year Built
2000
Lot Size
—
Garage
4
About This Property
Virtually Staged. Welcome to this exceptional multi-level townhome in a prime Clearwater location! Situated just minutes from downtown Safety Harbor’s vibrant restaurants, boutique shops, waterfront parks, and community events, this property offers the perfect blend of convenience and privacy. Tucked inside a well-maintained community with underground utilities, this home backs up to a peaceful, private conservation area and is located in a desirable non-flood zone. One of the property’s most unique features is the rare tandem 4-car garage on the ground level, complete with a half bath, workshop space, and access to a private outdoor deck—ideal for hobbies, extra storage, or entertaining. The main living level boasts high ceilings and new luxury vinyl plank (LVP) flooring, creating a bright and inviting space. The kitchen opens seamlessly to the dining and living areas, leading through sliding glass doors to a screened porch overlooking the serene conservation views. A convenient half bath completes this level. Upstairs, the third floor offers a private primary suite with an ensuite bath, a spacious guest bedroom, and a versatile office or flex space served by a second full bath. A dedicated laundry closet with a full-size washer and dryer adds to the everyday convenience. Recent Property Updates: HVAC: New AC (2023) Water Systems: New water softener (2023) & whole-home HALO filtration system, Roof: Replaced in 2018, Interior: Fresh neutral paint throughout, Security: Pre-wired security system, The low HOA fee covers lawn care, pool maintenance, exterior maintenance, and basic cable, ensuring a truly low-maintenance lifestyle. This is a rare opportunity to own a spacious, move-in-ready townhome with easy access to Safety Harbor, Clearwater, Tampa, and award-winning Gulf beaches. Schedule your private showing today!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
From Gulf to Bay/State Route 60 to Bayshore Blvd, turn left into Bayshore Townhouse, take a right at the roundabout, a left at the next street, then left to 3107 Oyster Bayou.
Location
3107 OYSTER BAYOU WAY, CLEARWATER, FL 33759
Listing Information
Schedule a Showing
How to Buy This Home
Multiple financing options available for this $410,000 home in CLEARWATER.
🏛️
FHA Loan
$14,350 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$20,500 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Pinellas County SHIP
Varies
Income-qualifying Pinellas residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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. Data last updated: July 5, 2026.