1320 WHISPERING PINES DRIVE, Clearwater, FL, 33764 | $486,900

I am excited to share a charming 4-bedroom, 2-bath ranch home with a 2-car garage in the Morningside Estates neighborhood of Clearwater. This home is conveniently located just 15 minutes from the beach. The home features a split bedroom layout and an open-concept design that seamlessly connects the kitchen, living room, and dining area. The kitchen is equipped with hardwood cabinets, granite countertops, and stainless steel appliances, enhanced by recessed lighting that extends into the living room. The primary suite is particularly spacious, offering ample storage. Crown molding adds a touch of elegance throughout the home. Significant updates include a water heater (2021) and a brand new roof (2025). Hurricane mitigation is built-in with double-pane, high impact windows for improved thermal insulation, plantation shutters, along with high-impact rated garage and entry doors. The property is designed for outdoor enjoyment with a large, fenced yard that includes a sprinkler system using reclaimed water, landscape lighting, lawn curbs, a paver patio, and a deck. The home is also ideally located one block from the City of Clearwater Morningside Recreation Center, which offers a pool, tennis courts, playground, and basketball courts. Additional benefits include no requirement for flood insurance and a voluntary HOA. Please call today to schedule your personal tour! While all information is believed to be accurate, Buyers are encouraged to verify/confirm all information as they deem necessary in making their decision to purchase.

Features

  • Rooms: 3
  • Bedrooms: 4
  • Baths: 2 full
  • Lot Size: 76 x 100
  • Laundry: In Garage
  • Style: Ranch
  • Year Built: 1965
  • Garage: 2-car Driveway, Garage Door Opener, On Street
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,872
  • Acreage: 0.18
  • Lot Size: 76 x 100
  • Est. Taxes: $8,570
  • HOA Fee: $50 Annually
  • Lot Desc: City Lot, Landscaped
  • View: Garden
  • Elem. School: Belcher Elementary-PN
  • Middle School: Oak Grove Middle-PN
  • High School: Clearwater High-PN
  • Pet Policy: No
  • Appliances: Dishwasher, Electric Water Heater, Range, Range Hood, Refrigerator
  • MLS#: TB8370508
  • Days on Market: 12 days
  • Website: https://www.raveis.com
    /prop/TB8370508/1320whisperingpinesdrive_clearwater_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/21/2025 12:06:41 AM)
Listing courtesy of REALTY EXPERTS   Phone: 727-888-1000

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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1320 WHISPERING PINES DRIVE, Clearwater, FL, 33764

$486,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $389,520 $389,520 $389,520
Term 360 months 360 months 180 months
Initial Interest Rate** 6.375% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.007% 7.037% 6.152%
Monthly Tax Payment $714 $714 $714
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,430 $2,559 $3,261
Total Monthly Payment $3,219 $3,348 $4,050

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.