2490 HERON TERRACE UNIT #F203, CLEARWATER, FL, 33762
Active14 days on marketListed Jul 31, 2026MLS #TB8532011
About this home
2490 HERON TERRACE UNIT #F203
Affordable Florida living with tranquil pond and water views! This well-maintained second-floor condominium overlooks a peaceful pond, offering a relaxing setting to enjoy from your private screened balcony. Inside, you'll find a bright, open floor plan with spacious living and dining areas, a functional kitchen with ample cabinetry, and a generously sized primary suite with an en-suite bath and walk-in closet. Location is everything, and this home delivers! Conveniently located just minutes from St. Pete–Clearwater International Airport, I-275, downtown St. Petersburg, Tampa, world-famous Gulf beaches, shopping, dining, golf courses, and everyday conveniences, you'll enjoy easy access to everything the Tampa Bay area has to offer. Offering exceptional value, the monthly HOA fee of $600 making homeownership both affordable and low maintenance. Whether you're searching for a year-round residence, seasonal getaway, or investment opportunity, this waterfront-view condo is an outstanding value in a prime Clearwater location.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,185
Sqft
1980
Year built
One
Levels
$167
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.
$1,507 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,507/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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
−19.5%
$/sqft vs Clearwater actives
$167 vs $224
Days on market
14 vs 55 typical
Where $167/sqft sits among the 399 Clearwater actives
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
CLEARWATER 33762 — neighborhood snapshot
Population
5,039
Median age
54
Median income
$91,024
Median home value
$332,000
Avg household
1.94
Households w/ children
420
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
$328K → $306K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
230 of 399
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the CLEARWATER 33762 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2490 HERON TERRACE UNIT #F203
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$154,000
2401 GULL COURT UNIT L202
2 bd · 2 ba · 1,185 sqft · $130/sqft · 15 DOM
Sold · Apr ’26$276,000
2473 KINGFISHER LANE UNIT I102
2 bd · 2 ba · 1,185 sqft · $233/sqft · 6 DOM
Sold · Jul ’26$235,000
2473 KINGFISHER LANE UNIT I103
2 bd · 2 ba · 1,185 sqft · $198/sqft · 140 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
Sean Gum
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2490 HERON TERRACE UNIT #F203 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2490 HERON TERRACE UNIT #F203 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Sean's phone and CRM.
Straight answers
2490 HERON TERRACE UNIT #F203 FAQs
What would the monthly payment be for 2490 HERON TERRACE UNIT #F203?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,507/mo — principal and interest, the actual property-tax bill 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 2490 HERON TERRACE UNIT #F203?+
The most recent tax bill on record (2025) was $1,130. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2490 HERON TERRACE UNIT #F203?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Clearwater?+
At $198,000, this home is listed about 28% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2490 HERON TERRACE UNIT #F203?+
High Point Elementary School (elementary), Pinellas Park High School (high), FitzGerald Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SMITH & ASSOCIATES REAL ESTATE · Becky McConnell. MLS #TB8532011.
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.
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