$412,000
809 HARBOR OAK LANE, CLEARWATER, FL 33756
Beds
2
Baths
3
Sq Ft
1,600 sq ft
Year Built
2006
Lot Size
0.03 acres
Garage
2
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
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
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
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$412,000
Loan Term
Nearby Schools
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.
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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: August 12, 2026.