2296 MONACO LANE UNIT 16, CLEARWATER, FL, 33763
Active169 days on marketListed Feb 5, 2026MLS #TB8472575
About this home
2296 MONACO LANE UNIT 16
Welcome home to this first floor 2 bed, 2 bath oasis, ideally located just a short walk from the West Activity Center and Harbor Lake. You are just steps away from a wealth of amenities the community has to offer, including a heated swimming pool, jacuzzi, computer center and billiard room complete with 10 pool tables. Park in your assigned parking spot right outside the front door and step inside the expansive living room where you will be greeted by beautiful luxury vinyl plank flooring and plantation shutters installed throughout the condo. The large, updated kitchen features newer appliances, granite countertops, a ceramic tile backsplash and stylish, slow-close shaker cabinetry. There's also plenty of open space for an island to expand your countertops, cabinet space and eating area. This kitchen is a true delight for any home chef. Enjoy the comfort and privacy of the primary bedroom with a large walk-in closet and en suite bathroom, tastefully decorated with wainscoting, a dual sink vanity, mirror and lighting, a walk-in shower with built in bench seat, and a comfort-height commode, offering a blend of style and functionality. The second bedroom includes a built-in desk and cabinetry and plenty of closet space. The second bathroom includes an updated vanity, commode, lighting and mirror. A convenient washer and dryer is also included. The HVAC unit was replaced in 2016 and windows in 2020. This vibrant 55+ community offers an array of amenities designed to enhance your lifestyle. Enjoy exclusive access to two private golf courses with 9 and 18 holes, two heated swimming pools, and two activity centers. Stay fit with the remodeled Cardio Gym, equipped with the latest exercise equipment, or participate in various community activities such as fitness classes, dancing, clubs, cards, billiards, and more. Pet owners will appreciate the very pet-friendly environment, complete with a fenced dog park and covered seating. The community also offers hobby studios and a woodshop for the exclusive use of residents. The on-site Good Karma Café provides convenient hot and cold beverages and snacks. Located close to beaches, transportation, shopping, entertainment, and fine dining, this condo combines convenience with comfort. All room sizes, floor plans, and square footage are approximate. If financing, 35% down payment is required and association approval is required. Don't miss out on this fantastic opportunity to own a contemporary condo in a prime location. Schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,210
Sqft
0 ac
Lot size
1992
Year built
One
Levels
$215
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.
$2,060 /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
$2,060/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
+62.9%
$/sqft vs ON TOP OF THE WORLD
$215 vs $151
Days on market
169 vs 47 typical
Where $215/sqft sits among the 248 homes for sale in ON TOP OF THE WORLD
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 33763 — neighborhood snapshot
Population
21,278
Median age
53.8
Median income
$53,552
Median home value
$215,900
Avg household
2.12
Households w/ children
1,898
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
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
118 of 248
ON TOP OF THE WORLD have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 63% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2296 MONACO LANE UNIT 16
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$108,000
2431 CANADIAN WAY UNIT 9 · same community
2 bd · 1 ba · 1,100 sqft · $98/sqft · 79 DOM
Sold · Dec ’25$175,000
2071 AUSTRALIA WAY W UNIT 9 · same community
2 bd · 2 ba · 1,100 sqft · $159/sqft · 98 DOM
Sold · Dec ’25$115,000
2358 ECUADORIAN WAY UNIT 56 · same community
2 bd · 2 ba · 1,100 sqft · $105/sqft · 412 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 2296 MONACO LANE UNIT 16 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2296 MONACO LANE UNIT 16 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2296 MONACO LANE UNIT 16 FAQs
What would the monthly payment be for 2296 MONACO LANE UNIT 16?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,060/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 2296 MONACO LANE UNIT 16?+
The most recent tax bill on record (2025) was $3,050. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2296 MONACO LANE UNIT 16?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Clearwater?+
At $260,000, this home is listed about 5% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2296 MONACO LANE UNIT 16?+
Dunedin High School (high), Leila Davis Elementary School (elementary), Safety Harbor 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
$260,000 runs 63% above the CLEARWATER 33763 median.
02Time on market is leverage
169 days on market against a Clearwater median of 47 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Dunedin High School, Leila Davis Elementary School, Safety Harbor Middle School — Leila Davis Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ON TOP OF THE WORLD RE · Ken Reiss. MLS #TB8472575.
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.
Never miss a listing
New Clearwater homes, in your inbox
Like 2296 MONACO LANE UNIT 16 but not quite? A daily digest of every new listing in Clearwater — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kevin to ping you on any price or status change →