1109 Charles Street

CLEARWATER, FL
$ 899,000 Beds 3 Baths 3 Sq 1,833 Virtual Tour
Monthly Estimate* How much can I afford?

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!

Active

  • Price
  • $ 899,000
  • City
  • CLEARWATER
  • Bedrooms
  • 3
  • Full Bathrooms
  • 3
  • County
  • Pinellas
  • Half Bathrooms
  • 0
  • Area
  • Clearwater
  • Lot Size
  • 0.27 Acres
  • Zip
  • 33755
  • Sqr Footage
  • 1,833
  • Year Built
  • 1936
  • Taxes
  • $ 6914
  • Style
  • Coastal Contemporary Craftsman
  • MLS#
  • TB8489075
Listed By: CHARLES RUTENBERG REALTY INC with 727-538-9200. - 866-580-6402
Data Source: Stellar MLS

Features

General

Sewer Public Sewer
Heating Central,Electric
Cooling Central Air,Mini-Split Unit(s)
Utilities BB/HS Internet Available,Cable Available,Electricity Connected,Natural Gas Connected,Phone Available,Sewer Connected,Street Lights,Water Connected
Roof Metal
Appliances Range,Range Hood,Tankless Water Heater
Garage Spaces 2
Patio/Porch Features Deck,Porch
Architectural Style Coastal,Contemporary,Craftsman
Pool Features Child Safety Fence,Gunite,In Ground
Security Features Smoke Detector(s)
Construction Materials HardiPlank Type,Wood Frame
Year Built 1936
View Pool
Levels Two
Property Subtype Single Family Residence
Tax Year 2025
Ownership Fee Simple
County Pinellas
New Construction false
Property Type Residential
Attached Garage true
Subdivision Name PEALE PARK
Facing Direction East
Garage Y/N true
Total Rooms 5
Full Baths 3
Status Active
Directions Head west on Main Street Dunedin. Turn left on Edgewater Drive. Turn left on Charles Street. Property is on your right hand side.
City CLEARWATER
Senior Community Y/N false
MLS Area 33755 - Clearwater
Lot Size Units Square Feet
Lot Size Square Feet 11953
Carport Y/N false
Listing Terms Cash,Conventional,FHA,Owner May Carry,VA Loan
Land Lease Y/N false
Tax Annual Amount 6914.48
Additional Parcels Y/N false
Lease Considered Y/N true
Building Area Units Square Feet
Living Area Units Square Feet
Standard Status Active
Occupancy Type Vacant
Tax Lot 4
Legal Description PEALE PARK BLK D, LOT 4 AND W 40FT OF LOT 5
Minimum Lease 3 Months
Water Access Y/N false
Water View Y/N false
Flood Zone Code X
In Law Suite YN false
Flood Zone Code X Yes

Interior Features

Interior Amenities High Ceilings,Kitchen/Family Room Combo,PrimaryBedroom Upstairs,Stone Counters,Thermostat,Vaulted Ceiling(s),Walk-In Closet(s)
Flooring Tile
Furnished Y/N Unfurnished
Total Stories 2
Air Conditioning Y/N true
Heating Y/N true
Window Features Storm Window(s)
Fireplace Y/N false
Laundry Features Inside,Laundry Closet
Total Bedrooms 3
LivingAreaSource Appraiser
Total Baths 3

Exterior Features

Exterior Amenities Lighting,Private Mailbox,Rain Gutters
Parking Features Driveway,Parking Pad
Lot Features Oversized Lot
Water Source Public
Lot Size Area 11953
Foundation Details Slab
Building Area Total 1833
Lot Dimensions 90 x 133
Lot Size Acres 0.27
Road Surface Type Asphalt
Private Pool true
Waterfront Y/N false
Covered Spaces 2

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Cape Coral, FL office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

3/22/2026 Listed $999,000
6/5/2026 5% - $950,000
7/17/2026 3% - $925,000
7/24/2026 3% - $899,000

Property vs Zip Code Average in 33755

Price
AVG $510K
$900K
Taxes
AVG $4,763
$6,914
Year Built
AVG 1956
1936

1109 Charles Street CLEARWATER, FL is a Single Family Home for sale at $899000 with 1833 sqft and a lot size of 0.27 Acres Acre(s). 1109 Charles Street CLEARWATER has 3 bedrooms, 3 baths and was built in 1936. The property's zip code is 33755 which is in CLEARWATER, FL

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided 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.