Skip to main content
1 / 72

$799,000

1109 CHARLES STREET, CLEARWATER, FL 33755

3D Tour
Active197 days on market

Beds

3

Baths

3

Sq Ft

1,833 sq ft

Year Built

1936

Lot Size

0.27 acres

Garage

2

About This Property

Virtually Staged. This is a rare opportunity to own a truly one-of-a-kind legacy property designed for coastal living in one of Pinellas County's most sought-after locations. Situated on a tropical double lot just blocks from St. Joseph’s Sound and minutes from Downtown Dunedin, this exceptional property offers a combination of land, flexibility, charm, and income potential that is increasingly difficult to find. Perhaps the most valuable feature of this property is its rare grandfathered multifamily designation within a residential zoning district, allowing it to function as either a single-family residence or an income-producing duplex with an additional ADU. Owners have the unique ability to live comfortably in one residence while generating income from the others, creating exceptional income opportunities. Thoughtfully renovated from the studs out by a renowned local builder, the property preserves the timeless character and “Old Florida” charm of the original structures while seamlessly incorporating modern luxury, craftsmanship, and convenience throughout. High-end finishes, thoughtful design, and flexible living spaces create a property that feels both elevated and inviting. The oversized double lot offers endless possibilities for expansion, outdoor entertaining, RV or boat parking, and private resort-style living. Surrounded by tropical landscaping, the outdoor setting is anchored by a brand-new pool with elegant paver decking, creating a private coastal retreat perfect for relaxing, entertaining, and enjoying Florida living year-round. Despite being located just minutes from the waterfront, the property sits outside the flood zone, eliminating the need for flood insurance. The Pinellas Trail is located at the end of the block and provides direct biking/walking access to downtown Dunedin’s acclaimed restaurants, breweries, bars, live music venues, boutique shopping, marinas, award-winning Gulf beaches, and Major League Baseball spring training facilities. The staged renderings showcase the incredible versatility of the property and highlight the many ways the spaces can be customized to fit your vision—whether as a private retreat, multigenerational compound, luxury seasonal residence, or high-performing investment property. Properties offering this level of location, flexibility, land value, and coastal character rarely come to market! This property is listed below appraised value and priced to sell!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8489075
StatusActive
Year Built1936
Stories2
Total Rooms5
ConstructionHardiPlank Type, Wood Frame
RoofMetal
FoundationSlab
FacesEast
SubdivisionPEALE PARK
CountyPinellas
OwnershipFee Simple

Interior Features

InteriorHigh Ceilings, Kitchen/Family Room Combo, PrimaryBedroom Upstairs, Stone Counters, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
FlooringTile
AppliancesRange, Range Hood, Tankless Water Heater
LaundryInside, Laundry Closet
WindowsStorm Window(s)
CoolingCentral Air, Mini-Split Unit(s)
HeatingCentral, Electric
SecuritySmoke Detector(s)

Exterior & Lot

ExteriorLighting, Private Mailbox, Rain Gutters
Lot Size0.27 acres (11,953 sq ft)
Lot Dimensions90 x 133
Lot FeaturesOversized Lot
Road SurfaceAsphalt
ViewPool

Pool & Spa

Private PoolYes
Pool FeaturesChild Safety Fence, Gunite, In Ground

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Electricity Connected, Natural Gas Connected, Phone Available, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$799,000
Original Price$999,000
Annual Taxes$6,914 (2025)
FinancingCash, Conventional, FHA, Owner May Carry, VA Loan
Parcel #032915680940040040

Directions

Head west on Main Street Dunedin. Turn left on Edgewater Drive. Turn left on Charles Street. Property is on your right hand side.

Location

1109 CHARLES STREET, CLEARWATER, FL 33755

Listing Information

OfficeCHARLES RUTENBERG REALTY INC
ListedMarch 22, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$799,000

20% ($159,800)
6.75%

Loan Term

Principal & Interest$4,146
Property Tax (est.)$732
Insurance (est.)$150
Total Monthly$5,028
Full Calculator →

How to Buy This Home

Multiple financing options available for this $799,000 home in CLEARWATER.

🏛️

FHA Loan

$27,965 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

$39,950 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.

More Homes in Clearwater

More Homes in Clearwater

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: October 3, 2026.

Call (813) 733-7907TextContact