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$535,000

2021 TODD ROAD, CLEARWATER, FL 33763

Active14 days on market

Beds

Baths

Sq Ft

1,904 sq ft

Year Built

1981

Lot Size

0.17 acres

Garage

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About This Property

Welcome to this beautifully maintained 4-bedroom, 2-bath pool home in the highly desirable Charter Oaks neighborhood of Clearwater. Designed for both comfortable everyday living and effortless entertaining, the spacious floor plan features a welcoming great room with a cozy wood-burning fireplace, a separate living room, and a formal dining room. Step outside to a private, fully fenced backyard with a pool and covered patio — perfect for enjoying Florida's beautiful weather year-round. This home has been thoughtfully updated with impact windows for added protection and energy efficiency, a new A/C (2022), new pool skimmer (2022), garage door springs, cables, and coils replaced (2024), and newly finished garage floors. For additional peace of mind, the property is not located in a flood zone, so flood insurance is not required. Ideally located just minutes from Downtown Dunedin, Safety Harbor, Clearwater Beach, shopping, dining, parks, and top-rated schools, this move-in-ready home offers the perfect blend of comfort, convenience, and an exceptional location.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8523700

StatusActive

Year Built1981

Total Rooms7

ConstructionStucco, Wood Frame

RoofShingle

FoundationSlab

FacesWest

SubdivisionCEDAR HEIGHTS

CountyPinellas

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Wood Cabinets, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments

FlooringCeramic Tile, Laminate, Porcelain Tile

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer, Water Filtration System, Water Softener

LaundryLaundry Closet

WindowsBlinds

CoolingCentral Air

HeatingCentral, Electric, Heat Pump

FireplaceYes ()

SecuritySecurity Lights, Smoke Detector(s)

Exterior & Lot

ExteriorDog Run, Irrigation System, Rain Gutters, Sidewalk, Sliding Doors

FencingFenced

Other StructuresKennel/Dog Run

Lot Size0.17 acres (7,379 sq ft)

Lot FeaturesSidewalk

Road SurfacePaved

Pool & Spa

Private PoolYes

Pool FeaturesIn Ground

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Fiber Optics, Phone Available, Street Lights

Parking

GarageYes (2 spaces)

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$535,000

Original Price$555,000

Annual Taxes$3,274 (2025)

FinancingCash, Conventional, FHA, VA Loan

Parcel #012915143510000490

Schools

ElementaryLeila G Davis Elementary-PN

MiddleSafety Harbor Middle-PN

HighDunedin High-PN

Directions

From US-19 N, head west on Sunset Point Rd. Turn right onto Belcher Rd, then left onto Todd Rd. The home will be on the right.

Location

2021 TODD ROAD, CLEARWATER, FL 33763

Listing Information

OfficeCHARLES RUTENBERG REALTY INC

ListedJune 26, 2026

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Home Price

$535,000

Down Payment20% ($107,000)

Interest Rate6.75%

Loan Term

Principal & Interest$2,776

Property Tax (est.)$490

Insurance (est.)$150

Total Monthly$3,416

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Nearby Schools

Elementary School

Leila G Davis Elementary-PN

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Middle School

Safety Harbor Middle-PN

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High School

Dunedin High-PN

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How to Buy This Home

Multiple financing options available for this $535,000 home in CLEARWATER.

🏛️

FHA Loan

$18,725 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

$26,750 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: July 10, 2026.