Virtually Staged. 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!
For sale
Price cut: $100K (9/25)
$799,000
1109 CHARLES STREET, CLEARWATER, FL 33755
3beds
1,833sqft
Single Family Residence
Built in 1936
0.27 Acres Lot
$-- Zestimate®
$436/sqft
$-- HOA
What's special
High-end finishesFlexible living spacesOutdoor entertainingThoughtful designOversized double lotPrivate resort-style livingSurrounded by tropical landscaping
- 227 days
- 2,044
- 208
Zillow last checked:
Listing updated:
Listed by:
Elena Kapetaneas 727-515-9693,
CHARLES RUTENBERG REALTY INC 727-538-9200
Source: Stellar MLS,MLS#: TB8489075
Originating MLS: Suncoast Tampa

Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 3
Primary bedroom
- Features: Walk-In Closet(s)
- Level: Second
- Area: 336 Square Feet
- Dimensions: 21x16
Bedroom 2
- Features: No Closet
- Level: First
- Area: 90 Square Feet
- Dimensions: 9x10
Bedroom 3
- Features: No Closet
- Level: First
- Area: 81 Square Feet
- Dimensions: 9x9
Kitchen
- Level: Second
- Area: 126 Square Feet
- Dimensions: 14x9
Living room
- Level: Second
- Area: 399 Square Feet
- Dimensions: 21x19
Heating
- Central, Electric
Cooling
- Central Air, Ductless
Appliances
- Included: Range, Range Hood, Tankless Water Heater
- Laundry: Inside, Laundry Closet
Features
- High Ceilings, Kitchen/Family Room Combo, PrimaryBedroom Upstairs, Stone Counters, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
- Flooring: Tile
- Has fireplace: No
Interior area
- Total structure area: 1,833
- Total interior livable area: 1,833 sqft
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Driveway, Parking Pad
- Attached garage spaces: 2
- Has uncovered spaces: Yes
- Details: Garage Dimensions: 23x21
Features
- Levels: Two
- Stories: 2
- Patio & porch: Deck, Porch
- Exterior features: Lighting, Private Mailbox, Rain Gutters
- Has private pool: Yes
- Pool features: Child Safety Fence, Gunite, In Ground
- Has view: Yes
- View description: Pool
Lot
- Size: 0.27 Acres
- Dimensions: 90 x 133
- Features: Oversized Lot
Details
- Parcel number: 032915680940040040
- Special conditions: None
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Coastal,Contemporary,Craftsman
- Property subtype: Single Family Residence
Materials
- HardiPlank Type, Wood Frame
- Foundation: Slab
- Roof: Metal
Condition
- New construction: No
- Year built: 1936
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
- Utilities for property: BB/HS Internet Available, Cable Available, Electricity Connected, Natural Gas Connected, Phone Available, Sewer Connected, Street Lights, Water Connected
Community & HOA
Community
- Security: Smoke Detector(s)
- Pet fee: $0 monthly
- Subdivision: PEALE PARK
HOA
- Has HOA: No
Location
- Region: Clearwater
Financial & listing details
- Price per square foot: $436/sqft
- Tax assessed value: $576,782
- Annual tax amount: $6,914
- Date on market: 3/22/2026
- Cumulative days on market: 224 days
- Listing terms: Cash,Conventional,FHA,Owner May Carry,VA Loan
- Ownership: Fee Simple
- Total actual rent: 0
- Electric utility on property: Yes
- Road surface type: Asphalt
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 9/25/2026 | Price change | $799,000-11.1%$436/sqft |
Source: | ||
| 7/24/2026 | Price change | $899,000-2.8%$490/sqft |
Source: | ||
| 7/17/2026 | Price change | $925,000-2.6%$505/sqft |
Source: | ||
| 6/5/2026 | Price change | $950,000-4.9%$518/sqft |
Source: | ||
| 3/22/2026 | Listed for sale | $999,000+122%$545/sqft |
Source: | ||
| 8/4/2021 | Sold | $450,000$245/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $6,914 +11.4% | $392,548 +6.1% |
| 2024 | $6,206 -27.6% | $369,869 -16.8% |
| 2023 | $8,569 -1.4% | $444,560 -0.8% |
| 2022 | $8,694 +422% | $448,334 +259.6% |
| 2021 | $1,666 +0.8% | $124,678 +1.4% |
| 2020 | $1,652 +2.6% | $122,957 +2.3% |
| 2019 | $1,611 | $120,193 +1.9% |
| 2018 | $1,611 +2% | $117,952 +2.1% |
| 2017 | $1,579 +6.6% | $115,526 +2.1% |
| 2016 | $1,481 -1.5% | $113,150 +0.7% |
| 2015 | $1,504 +0.8% | $112,363 +0.8% |
| 2014 | $1,492 +1.1% | $111,471 +1.5% |
| 2013 | $1,477 +2.4% | $109,824 +1.7% |
| 2012 | $1,442 | $107,988 +3% |
| 2011 | -- | $104,843 +1.5% |
| 2010 | -- | $103,294 +2.7% |
| 2009 | -- | $100,578 +0.1% |
| 2008 | $1,219 | $100,478 +3% |
| 2007 | -- | $97,551 -57.7% |
| 2005 | -- | $230,800 +18.8% |
| 2004 | $1,475 +2% | $194,300 +20.5% |
| 2003 | $1,445 +10.2% | $161,300 +22.1% |
| 2002 | $1,312 | $132,100 +8.4% |
| 2001 | $1,312 +4.9% | $121,900 +16.7% |
| 2000 | $1,251 | $104,500 |
Find assessor info on the county website
Monthly payment
Est. payment





