1038 ELDORADO AVENUE, CLEARWATER, FL, 33767
Active116 days on marketListed Mar 30, 2026MLS #TB8492031
About this home
1038 ELDORADO AVENUE
One or more photo(s) has been virtually staged. Welcome to your dream coastal retreat! This charming beachside cottage is located on the highly sought-after north end of Clearwater Beach, offering the ultimate Florida lifestyle with direct, private beach access just steps from you back door. As you enter, you’re greeted by a bright, open floor plan with designer finishes and attention to detail including custom built-ins adding extra storage and stunning exposed wooden beams that add character and warmth. Gorgeous wood flooring flows seamlessly throughout the living areas, creating a light and airy atmosphere perfect for relaxing or entertaining. The living room features a cozy white brick fireplace, and a wall of floor to ceiling windows and French doors that frame the sparkling pool and spa and spectacular Gulf just beyond. The updated kitchen boasts a large central island, white cabinetry, stainless-steel appliances and a stylish backsplash and custom lighting add a touch of coastal charm. A set of French doors lead to the primary suite, filled with natural light, enhancing the spacious and inviting feel. The sleek, spa-like ensuite has white cabinetry and a walk-in shower with custom tile work. The additional bedrooms are equally well appointed and share a Jack and Jill bathroom with a double sink vanity. This move-in ready cottage combines modern comforts with classic beach cottage appeal in one of Clearwater Beach’s most desirable locations. Whether you’re looking for a primary residence, vacation home, investment property, this is coastal living at its finest. Don’t miss out on owning your piece of paradise.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,062
Sqft
0.16 ac
Lot size
1947
Year built
One
Levels
$1,891
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$22,667 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$26,242/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+316.9%
$/sqft vs MANDALAY SUB
$1,891 vs $525
Days on market
116 vs 47 typical
Where $1,891/sqft sits among the 26 homes for sale in MANDALAY SUB
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Clearwater Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Clearwater Beach — neighborhood snapshot
Population
2,289
Median age
58
Median income
$87,434
Median home value
$801,867
Avg household
2
Households w/ children
104
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clearwater market
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
13 of 26
MANDALAY SUB have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 603% above the CLEARWATER 33767 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1038 ELDORADO AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$625,000
737 BRUCE AVENUE · same community
3 bd · 2 ba · 1,942 sqft · $322/sqft · 56 DOM
Sold · Jun ’26$1,100,000
759 LANTANA AVENUE · same community
3 bd · 3 ba · 1,869 sqft · $589/sqft · 49 DOM
Sold · Aug ’25$600,000
750 LANTANA AVENUE · same community
2 bd · 2 ba · 1,848 sqft · $325/sqft · 19 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1038 ELDORADO AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1038 ELDORADO AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
1038 ELDORADO AVENUE FAQs
What would the monthly payment be for 1038 ELDORADO AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,667/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 1038 ELDORADO AVENUE?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Clearwater?+
At $3,900,000, this home is listed about 1318% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1038 ELDORADO AVENUE?+
Sandy Lane Elementary School (elementary), Dunedin Highland Middle School (middle), Clearwater High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$3,900,000 runs 603% above the CLEARWATER 33767 median — but at 2,062 sqft it's also 64% larger than the typical Clearwater listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
116 days on market against a Clearwater median of 47 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Sandy Lane Elementary School, Dunedin Highland Middle School, Clearwater High School — Dunedin Highland Middle School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $4,500,000, now $3,900,000 — a $600K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Martha Thorn. MLS #TB8492031.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New Clearwater homes, in your inbox
Like 1038 ELDORADO AVENUE but not quite? A daily digest of every new listing in Clearwater — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →