1109 CHARLES STREET, Clearwater, FL 33755

• 3 beds |
• 3 baths |
• 1,833 sqft

Property Description

One or more photo(s) has been 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 Status:

Active

Date Added:

March 22, 2026

Data Last Updated:

May 18, 2026 at 7:24AM

Listing Office:

CHARLES RUTENBERG REALTY INC : 727-538-9200

Listing Agent:

Elena Kapetaneas : 727-515-9693

MLS ID:

TB8489075

Interior

• General: High CeilingsKitchen/Family Room ComboPrimaryBedroom UpstairsStone CountersThermostatVaulted Ceiling(s)Walk-In Closet(s)
• Appliances: RangeRange HoodTankless Water Heater
• Laundry: InsideLaundry Closet
• Flooring: Tile
• A/C: Central AirMini-Split Unit(s)
• Heating: CentralElectric

Exterior

• General: LightingPrivate MailboxRain Gutters
• Style: CoastalContemporaryCraftsman
• Other Structures: PorchDeck
• Pool: Child Safety FenceGuniteIn Ground
• Parking: DrivewayParking Pad

Construction

• Roofing: Metal
• Windows: Storm Window(s)
• General: HardiPlank TypeFrameTwoSlab

Location

• Road/Access: Asphalt
• Originating MLS: Stellar MLS
• County: Pinellas

Lot

• Zoning: PEALE PARK BLK DLOT 4 AND W 40FT OF LOT 503-29-15-68094-004-0040
• View: Pool

Utilities

• Utilities: BB/HS Internet AvailableCable AvailableElectricity ConnectedNatural Gas ConnectedPhone AvailableSewer ConnectedWater Connected
• Water: Public
• Sewer: Public Sewer

Financial

• Source: Stellar MLS
• Ownership: Fee Simple