Property
ActiveResidential
1/60
$950,000

1109 CHARLES STREET

Clearwater, FL 33755
3
Beds
3
Baths
1,833
SqFt
0.27
Acres
STELLAR
#TB8489075
Updated: Jun 27, 2026, 7:38pm

Property Description

Virtually Staged. ***OWNER FINANCING AVAILABLE AT A VERY ATTRACTIVE BELOW-MARKET INTEREST RATE***
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!
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Included Appliances
RangeRange HoodTankless Water Heater

Property Details

Highlights
View
Yes
Interior
Appliances
RangeRange HoodTankless Water Heater
Bathrooms Total Decimal
3
Building Area Total
1833
Cooling
Central AirMini-Split Unit(s)
Flooring
Tile
Furnished
Unfurnished
Heating
CentralElectric
Interior Features
High CeilingsKitchen/Family Room ComboPrimaryBedroom UpstairsStone CountersThermostatVaulted Ceiling(s)Walk-In Closet(s)
Laundry Features
InsideLaundry Closet
Living Area
1833
Rooms Total
5
Security Features
Smoke Detector(s)
Virtually Staged
Yes
Window Features
Storm Window(s)
Construction
Architectural Style
CoastalContemporaryCraftsman
Building Area Source
Appraiser
Building Area Units
Square Feet
Construction Materials
HardiPlank TypeWood Frame
Direction Faces
East
Foundation Details
Slab
Levels
Two
Living Area Source
Appraiser
Living Area Units
Square Feet
Roof
Metal
Stories Total
2
Year Built
1936
Site & Exterior
Covered Spaces
2
Exterior Features
LightingPrivate MailboxRain Gutters
Flood Zone Code
X
Garage Dimensions
23x21
Garage Spaces
2
I D X Participation
Yes
Lot Features
Oversized Lot
Lot Size Acres
0.27
Lot Size Area
11953
Lot Size Dimensions
90 x 133
Lot Size Square Feet
11953
Lot Size Units
Square Feet
Open Parking
Yes
Parking Features
DrivewayParking Pad
Patio And Porch Features
DeckPorch
Pool Features
Child Safety FenceGuniteIn Ground
Public Survey Range
15
Public Survey Section
03
Road Surface Type
Asphalt
Sewer
Public Sewer
Total Acreage
1/4 to less than 1/2
Utilities
BB/HS Internet AvailableCable AvailableElectricity ConnectedNatural Gas ConnectedPhone AvailableSewer ConnectedStreet LightsWater Connected
View
Pool
Water Source
Public
Financials
Calculated List Price By Calculated Sq Ft
518.28
Contract Status Change Date
2026-03-22
Current Price
950000
Feed Types
BBO
Lease Considered
Yes
Minimum Lease
3 Months
Owner Name
OWNER ON RECORD
Ownership
Fee Simple
Parcel Number
032915680940040040
Public Survey Township
29
Tax Annual Amount
6914.48
Tax Block
D
Tax Book Number
12-17
Tax Legal Description
PEALE PARK BLK D, LOT 4 AND W 40FT OF LOT 5
Tax Lot
4
Tax Year
2025

Neighborhood & Lifestyle

Community & Association
Additional Lease Restrictions
This property is designated by the City Of Clearwater as a Multi-Family 2-unit dwelling. Please confirm all leasing restrictions with the City Of Clearwater.
M L S Area Major
33755 - Clearwater
Subdivision Name
PEALE PARK
Listing provided courtesy of STELLAR via IDX. Updated: Jun 27, 2026, 7:38pm.
Elena Kapetaneas

Listing Agent

CHARLES RUTENBERG REALTY INC

Call Agent