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$524,000

500 N OSCEOLA AVENUE UNIT 406, CLEARWATER, FL 33755

3D Tour
Active182 days on market

Beds

2

Baths

2

Sq Ft

1,450 sq ft

Year Built

1974

Lot Size

Garage

About This Property

Rare 2 Bedroom 2 Bath Open Waterfront View at Harbor Bluffs Waterfront in downtown Clearwater. The balcony overlooks St. Joseph's Sound Intercoastal Waterway from the entire length of this spacious 4th floor unit from every room with floor to ceiling windows in both bedrooms and living room. Enjoy waterfront breezes while entertaining or watching wildlife, boaters and gorgeous sunsets. Harbor Bluffs is a gated waterfront condo building with 2 elevators, an interior courtyard, fitness center, pool, dock and clubhouse, all overlooking the Intercoastal. One designated storage room on the 1st floor also conveys as well as one covered parking space. There is also guest parking. Kitchen is well equipped with an electric Kenmore Elite range that offers 2 ovens for baking, as well as a convection setting. Privacy is at a premium with a split bedroom floor plan and 2 separate entrances to the unit. Primary bedroom boasts dual closets and an ensuite bathroom with a walk-in shower. This property is located near vibrant downtown, home to Ruth Eckerd’s Capital Theater and Coachman’s Park Sound Venue, both with worldwide top performers. Listen to entertainers perform from the Sound Venue FROM THE COMFORT AND PRICACY OF YOUR BALCONY! Downtown has many popular delectable restaurants, as well as fabulous shopping, the Clearwater library, several banks, Clearwater Court House, Clearwater downtown Marina, Seminole boat ramp and Clearwater Playhouse. All within a short walking distance from Harbor Bluffs Condominium. Famous Clearwater beach is just over the Clearwater Memorial Causeway, as well as the Clearwater Aquarium, home to Winter and also the popular Island Way Grill Restaurant. Enjoy walks on the beach, sunsets, entertainment and other famous restaurants on Clearwater beach. Only a short drive to Dunedin, Tarpon Springs, Tampa and St. Petersburgh. Experience a tranquil lifestyle at Harbor Bluff with excitement around every corner. New electrical panel 2023, HVAC 2023. LG Thin Q front loading washer and dryer convey with purchase. Some photos have been virtually staged.

Property Overview

Property TypeResidential
Sub TypeCondominium
MLS #TB8479503
StatusActive
Year Built1974
Stories10
Total Rooms5
ConstructionBlock, Stucco
RoofBuilt-Up
FoundationOther
FacesEast
SubdivisionHARBOR BLUFFS WATERFRONT CONDO
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Primary Bedroom Main Floor, Split Bedroom, Thermostat
FlooringCarpet, Ceramic Tile
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener
LaundryInside
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorBalcony, Hurricane Shutters, Sliding Doors, Storage
Road SurfacePaved
ViewWater
0

Waterfront

WaterfrontYes
FeaturesIntracoastal Waterway

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageNo

HOA & Community

HOAYes
HOA Fee$1,280 / Monthly
Senior CommunityNo

Financial Details

List Price$524,000
Original Price$575,000
Annual Taxes$7,849 (2025)
FinancingCash, Conventional
Parcel #092915358490000406

Schools

ElementarySandy Lane Elementary-PN
MiddleDunedin Highland Middle-PN
HighClearwater High-PN

Directions

From N Fort Harrison Ave and Jones St, turn West on Jones St. Turn right (North) onto N Osceola Ave. Building is on the left (West) side of the road.

Location

500 N OSCEOLA AVENUE UNIT 406, CLEARWATER, FL 33755

Listing Information

OfficeFLORIDA PREMIERE REALTY
ListedMarch 12, 2026

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Home Price

$524,000

20% ($104,800)
6.75%

Loan Term

Principal & Interest$2,719
Property Tax (est.)$480
Insurance (est.)$150
Total Monthly$3,349
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $524,000 home in CLEARWATER.

🏦

Conventional

$26,200 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: September 10, 2026.

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