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$412,000

809 HARBOR OAK LANE, CLEARWATER, FL 33756

3D Tour

Active117 days on market

Beds

Baths

Sq Ft

1,600 sq ft

Year Built

2006

Lot Size

0.03 acres

Garage

About This Property

Welcome to the Townhomes of Harbor Oaks, a Mediterranean inspired community tucked right in the heart of downtown Clearwater. This rarely available end unit townhome offers extra natural light and beautiful sunrise and sunset views. The layout includes 2 bedrooms, 2.5 baths, a bonus flex room on the ground level (ideal for an office or home gym), and an attached 2 car garage. The kitchen features a center island, granite counters, and a gas range. Engineered bamboo flooring adds a modern and warm touch throughout. Harbor Oaks residents enjoy a heated community pool, BBQ area with seating, and charming European-style courtyards shaded by mature trees. Solid concrete block construction with barrel tile roofing complements the Mediterranean architecture, lush landscaping, and brick-paver walkways. This all-ages community sits in a no flood and no evacuation zone, just minutes to Clearwater Beach, the Marina, Morton Plant Hospital, the Pinellas Trail, shopping, dining, and both Tampa + St. Pete/Clearwater airports. Seller motivated, present all offers.

Property Overview

Property TypeResidential

Sub TypeTownhouse

MLS #TB8465858

StatusActive

Year Built2006

Total Rooms3

ConstructionBlock, Stucco, Wood Frame

RoofShingle

FoundationSlab

FacesWest

SubdivisionMURPHYS PLACE

CountyPinellas

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Solid Surface Counters, Stone Counters, Walk-In Closet(s)

FlooringCeramic Tile, Hardwood

AppliancesCooktop, Dishwasher, Dryer, Microwave, Refrigerator, Washer

LaundryLaundry Closet

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorCourtyard, Irrigation System, Private Mailbox, Rain Gutters, Sidewalk

Lot Size0.03 acres (1,342 sq ft)

Road SurfacePaved

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes

HOA Fee$250 / Monthly

Senior CommunityNo

Financial Details

List Price$412,000

Original Price$499,000

Annual Taxes$1,752 (2024)

FinancingCash, Conventional, FHA

Parcel #162915594600000230

Schools

ElementaryBelleair Elementary-PN

MiddleLargo Middle-PN

HighClearwater High-PN

Directions

East off Ft. Harrison, just south of Druid Rd. Guest parking in center of complex (for showing can park in garage entrance to 809). Take a left at pool to far end of unit on the right. Entrance to 809 is on the north side of the building.

Location

809 HARBOR OAK LANE, CLEARWATER, FL 33756

Listing Information

OfficeABI ROAD REALTY LLC

ListedJanuary 23, 2026

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Home Price

$412,000

Down Payment20% ($82,400)

Interest Rate6.75%

Loan Term

Principal & Interest$2,138

Property Tax (est.)$378

Insurance (est.)$150

Total Monthly$2,665

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Nearby Schools

Elementary School

Belleair Elementary-PN

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Middle School

Largo Middle-PN

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High School

Clearwater High-PN

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How to Buy This Home

Multiple financing options available for this $412,000 home in CLEARWATER.

🏛️

FHA Loan

$14,420 Down

Government-backed, low down payment. Credit scores as low as 580.

🏦

Conventional

$20,600 Down

Traditional financing. As low as 3-5% down with good credit.

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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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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: May 20, 2026.