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1109 Charles St, Clearwater, FL, 33755

$490/sqft·Peale Park

3 bd3 ba1,833 sqft2 car garageSingle Family
Listed by CHARLES RUTENBERG REALTY INC· Last updated · MLS# TB8489075

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Est. monthly payment
$5,715/mo
Down payment (20%)
$179,800
Property taxes
$576/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1936
Private pool
Child Safety Fence
2 car garage
Driveway
0.27 acres
Lot size
1,833 sqft
Living area

About this home

High CeilingsKitchen/Family Room ComboPrimarybedroom UpstairsStone CountersThermostatVaulted Ceiling(s)Walk-in Closet(s)Lighting

1109 Charles St is a 1936-built home in Peale Park, Clearwater. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,833 square feet of living space. Listed at $899,000 (about $490/sqft), 146 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

One or more photo(s) has been 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!

The essentials

Built
1936
Price / sqft
$490
On market
173 days
Annual tax
$6,914
Flood zone
X · Low risk
Lot
11,953 sqft
Type
Single Family Residence

Location

1109 Charles St
Clearwater, FL, 33755·33755 - Clearwater
Type
Single Family Residence
Year Built
1936
Lot
11,953 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central, Electric
Parking
Driveway, Parking Pad
Pool
Child Safety Fence, Gunite, In Ground
Days on Market
173
High Ceilings
Kitchen/Family Room Combo
Primarybedroom Upstairs
Stone Counters
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Lighting
Private Mailbox
Rain Gutters
Street Lights
Range
Range Hood
Tankless Water Heater
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$6,914

Parcel #

03-29-15-68094-004-0040

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Peale Park

County

Pinellas

MLS Area

33755 - Clearwater

Lot Size

11,953 sqft

Oversized Lot
Date
Event
Price
7/24/2026
Price change
Source: Stellar MLS #TB8489075
$899,000-2.8%
$490/sqft
Price change
Source: Stellar MLS #TB8489075
$925,000-7.4%
$505/sqft
3/22/2026
Listed for sale
Source: Stellar MLS #TB8489075
$999,000
$545/sqft
Est. monthly payment$5,714/mo
Principal & interest$4,689
Property taxes$576
Insurance$450
Down payment20% · $179,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $899,000
$895,000 – $899,000
99.3% – 100% of listTops out right at the list price
80% of listList price
56 of the last 110 home closings in 33755 landed at this number or higher (51%). The median one sat 35 days before it went under contract, and this one is on day 173 after a $100,000 cut.

Sample: 110 closed home sales in 33755 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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