1235 S HIGHLAND AVENUE UNIT 5-102, CLEARWATER, FL, 33756
Active3 days on marketListed Aug 11, 2026MLS #TB8536025
About this home
1235 S HIGHLAND AVENUE UNIT 5-102
Welcome to Kalmia Condominiums, a well-maintained 55+ community conveniently located in the heart of Clearwater! This cozy FIRST-FLOOR 1-bedroom, 1-bathroom condo offers comfortable, low-maintenance Florida living with the added convenience of easy ground-floor access. Enjoy peace of mind knowing several of the home's major components have already been updated, including the A/C system, water heater, and electrical panel. The comfortable layout makes great use of the space and provides a welcoming living area, functional kitchen, spacious bedroom, and full bathroom—perfect for a full-time residence or seasonal Florida getaway. Kalmia offers wonderful community amenities, including a heated swimming pool, clubhouse, shuffleboard courts, community laundry facilities, and opportunities to enjoy an active social lifestyle. The location is another highlight! Everyday conveniences are close by, including shopping, restaurants, medical facilities, and grocery stores. La Belle Plaza, anchored by Publix, is just down Highland Avenue, while Downtown Clearwater, Coachman Park, and the beautiful Gulf beaches are also within easy reach. If you've been looking for an affordable, easy-to-maintain home in a centrally located 55+ Clearwater community, this charming first-floor condo deserves a look. Schedule your private showing today!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
513
Sqft
1 ac
Lot size
1970
Year built
One
Levels
$175
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 and the real association fee — not generic estimates.
$1,058 /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
$1,058/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
−46.9%
$/sqft vs Clearwater actives
$175 vs $224
Days on market
3 vs 55 typical
Where $175/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 Kalmia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Kalmia — neighborhood snapshot
Population
385
Median age
56
Median income
$55,313
Median home value
$341,500
Avg household
2
Households w/ children
74%
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 73% below the CLEARWATER 33756 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1235 S HIGHLAND AVENUE UNIT 5-102
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$97,000
1235 S HIGHLAND AVENUE UNIT 5-703 · same community
1 bd · 1 ba · 659 sqft · $147/sqft · 36 DOM
Sold · Nov ’25$118,000
1524 LAKEVIEW ROAD UNIT 305 · same community
2 bd · 2 ba · 917 sqft · $129/sqft · 5 DOM
Sold · Jul ’26$116,000
1524 LAKEVIEW ROAD UNIT 103 · same community
2 bd · 2 ba · 917 sqft · $126/sqft · 213 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1235 S HIGHLAND AVENUE UNIT 5-102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1235 S HIGHLAND AVENUE UNIT 5-102 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
1235 S HIGHLAND AVENUE UNIT 5-102 FAQs
What would the monthly payment be for 1235 S HIGHLAND AVENUE UNIT 5-102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,058/mo — principal and interest, the actual property-tax bill, the $237/mo association fee 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.
How much are the HOA fees at 1235 S HIGHLAND AVENUE UNIT 5-102?+
The association fee works out to $237 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1235 S HIGHLAND AVENUE UNIT 5-102?+
The most recent tax bill on record (2025) was $1,098. 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 1235 S HIGHLAND AVENUE UNIT 5-102?+
The listing reports pets: No. 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 $90,000, this home is listed about 67% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1235 S HIGHLAND AVENUE UNIT 5-102?+
Plumb Elementary School (elementary), Clearwater High School (high), Oak Grove Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the CLEARWATER 33756 market on paper
$90,000 is 73% below the CLEARWATER 33756 median of $339,000, and at $175/sqft it sits under the Clearwater average of $276.
02Fresh on the market
Only 3 days on market in a Clearwater market that averages 55 — if it fits, move quickly.
03Strong assigned schools
Plumb Elementary School, Clearwater High School, Oak Grove Middle School — Plumb Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Marcos Reyes. MLS #TB8536025.
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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