5638 146TH TERRACE N, CLEARWATER, FL, 33760
Active121 days on marketListed Apr 9, 2026MLS #TB8495770
About this home
5638 146TH TERRACE N
LOCATION, CONDITION, & PRICE!! Welcome to our move-in-ready home located in the highly desired community of Highpoint Estates. This property boasts a Wide-Open, Split Floor plan designed to maximize Natural Light, Functionality, and everyday Comfort. Property features include a fully renovated Kitchen with CORIAN Counter-tops, REAL wood cabinetry, and Stainless appliances. The main living area boasts all tile flooring, with new luxury vinyl in the bedrooms that provide a crisp, clean, and modern feel. The large Master Bed is adjacent to the laundry room fixtures making a 2nd, primary bath easy to install. The kitchen is the centerpiece of this property; flowing seamlessly into the main living area and rear covered patio, creating a true Indoor-Outdoor experience perfect for entertaining and family gatherings. The fully Fenced, Pool-sized yard offers exceptional privacy with plenty of room to store your Boats, RV’s, Trailers, and more. This home is located in unincorporated Clearwater, which allows for Short-Term Rentals, making it perfect for homeowners and investors alike. The Low-Cost transferable insurance makes this home affordable and budget-friendly. FHA, VA, Cash, & Conventional buyers are Welcome. This home is centrally located, just minutes from Gulf beaches, shopping, dining, top schools, and both Tampa International & St. Pete Clearwater airports. This home is priced to sell and won't last long. Call today to schedule your private showing. homeowners and investors alike. The Low-Cost transferable insurance makes this home affordable and budget-friendly. FHA, VA, Cash, & Conventional buyers are Welcome. This home is centrally located, just minutes from Gulf beaches, shopping, dining, top schools, and both Tampa International & St. Pete Clearwater airports. This home is priced to sell and won't last long. Call today to schedule your private showing.
Facts & features
The home at a glance
4
Bedrooms
1
Bathrooms
1,288
Sqft
0.21 ac
Lot size
1973
Year built
One
Levels
$256
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.
$2,524 /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
$2,524/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
−16.9%
$/sqft vs Clearwater actives
$256 vs $226
Days on market
121 vs 55 typical
Where $256/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 33760 — neighborhood snapshot
Population
19,486
Median age
37.3
Median income
$59,489
Median home value
$245,800
Avg household
2.18
Households w/ children
1,551
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 → $307K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
226 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 88% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 5638 146TH TERRACE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$302,000
14776 55TH WAY N · same community
4 bd · 2 ba · 1,440 sqft · $210/sqft · 44 DOM
Sold · Jun ’26$275,000
14933 56TH STREET N · same community
4 bd · 2 ba · 1,098 sqft · $250/sqft · 11 DOM
Sold · May ’26$315,000
14853 56TH STREET N · same community
4 bd · 2 ba · 1,098 sqft · $287/sqft · 38 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
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5638 146TH TERRACE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5638 146TH TERRACE N — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
5638 146TH TERRACE N FAQs
What would the monthly payment be for 5638 146TH TERRACE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,524/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 5638 146TH TERRACE N?+
The most recent tax bill on record (2024) was $3,317. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Clearwater?+
At $329,800, this home is listed about 20% above the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5638 146TH TERRACE N?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$329,800 runs 88% above the CLEARWATER 33760 median.
02Time on market is leverage
121 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $348,800, now $329,800 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE C SMITH REAL ESTATE GROUP LLC · Travis Pettengil, PLL. MLS #TB8495770.
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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