1109 Charles Street Clearwater, FL 33755
For Sale MLS# TB8489075
3 beds 3 baths 1,833 sq ft Single Family
Details for 1109 Charles Street
MLS# TB8489075
Description for 1109 Charles Street, Clearwater, FL, 33755
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!
Listing Information
Property Type: Residential, Single Family Residence
Status: Active
Bedrooms: 3
Bathrooms: 3
Lot Size: 0.27 Acres
Square Feet: 1,833 sq ft
Year Built: 1936
Garage: Yes
Stories: 2 Story
Construction: HardiPlank Type,Wood Frame
Subdivision: Peale Park
Foundation: Slab
County: Pinellas
Room Information
Main Floor
Bedroom 3: 9x9
Bedroom 2: 10x9
Upper Floor
Primary Bedroom: 16x21
Living Room: 19x21
Kitchen: 9x14
Bathrooms
Full Baths: 3
Additonal Room Information
Laundry: Inside, Laundry Closet
Interior Features
Appliances: Range, Tankless Water Heater, Range Hood
Flooring: Tile
Doors/Windows: Storm Window(s)
Additional Interior Features: Walk-In Closet(s), Vaulted Ceiling(s), High Ceilings, Stone Counters, Upper Level Primary, Kitchen/Family Room Combo
Utilities
Water: Public
Sewer: Public Sewer
Other Utilities: Cable Available,Electricity Connected,Natural Gas Connected,High Speed Internet Available,Phone Available,Sewer Connected,Water Connected
Cooling: Central Air, Ductless
Heating: Central, Electric
Exterior / Lot Features
Attached Garage: Attached Garage
Garage Spaces: 2
Parking Description: Parking Pad, driveway
Roof: Metal
Pool: Other, In Ground, Gunite
Lot View: Pool
Lot Dimensions: 90x133
Additional Exterior/Lot Features: Rain Gutters, Lighting, Porch, Deck, Oversized Lot
Community Features
Community Features: Street Lights
Security Features: Smoke Detector(s)
Driving Directions
Head west on Main Street Dunedin. Turn left on Edgewater Drive. Turn left on Charles Street. Property is on your right hand side.
Financial Considerations
Terms: Cash,Conventional,FHA,Owner May Carry,VA Loan
Tax/Property ID: 03-29-15-68094-004-0040
Tax Amount: 6914.48
Tax Year: 2025
A broker reciprocity listing courtesy: CHARLES RUTENBERG REALTY INC
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Payment Calculator
Interest rate and annual percentage rate (APR) are based on current market conditions, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables. Estimated closing costs used in the APR calculation are assumed to be paid by the borrower at closing. If the closing costs are financed, the loan, APR and payment amounts will be higher. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. Contact us for details. Additional loan programs may be available. Accuracy is not guaranteed, and all products may not be available in all borrower's geographical areas and are based on their individual situation. This is not a credit decision or a commitment to lend.
Sales History & Tax Summary for 1109 Charles Street
Sales History
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Tax Summary
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Data powered by ATTOM Data Solutions. Copyright© 2026. Information deemed reliable but not guaranteed.
Schools
Schools nearby 1109 Charles Street
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The schools shown represent both the assigned schools and schools by distance based on local school and district attendance boundaries. Attendance boundaries change based on various factors and proximity does not guarantee enrollment eligibility. Please consult your real estate agent and/or the school district to confirm the schools this property is zoned to attend. Information is deemed reliable but not guaranteed.
SchoolDigger ® Rating
The SchoolDigger rating system is a 1-5 scale with 5 as the highest rating. SchoolDigger ranks schools based on test scores supplied by each state's Department of Education. They calculate an average standard score by normalizing and averaging each school's test scores across all tests and grades.
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