CENTURY 21 Edge
$140,0002 bd2 ba1,080 sqft$130 /sqft$1,243 /mo all-in ↓

2284 SPANISH DRIVE UNIT 50, CLEARWATER, FL, 33763

Active167 days on marketListed Feb 20, 2026MLS #TB8477911

Priced 12% below the CLEARWATER 33763 medianCondominiumON TOP OF THE WORLD

About this home

2284 SPANISH DRIVE UNIT 50

Opportunity meets potential in this top-floor 2-bedroom, 2-bath condominium located in the highly desirable 55+ community of On Top of the World in Clearwater. Tucked away on a quiet cul-de-sac just two blocks from Arbor Lake and positioned at the end of the boulevard, this elevator-access building offers privacy, convenience, and exceptional value for buyers seeking a well-priced condo ready for renovation. With no land lease and true condominium ownership, this property presents an ideal blank canvas for those looking to customize their Florida retirement home or invest in a high-demand active adult community. Inside, the kitchen has already been updated with a modern layout, recessed lighting, and a water filtration system, while the living room, dining area, and bedrooms are ready for your personal design vision, as carpeting has been removed to allow installation of flooring of your choice. Both bathrooms feature updated vanities and commodes, providing a head start on your renovation plans. The spacious primary suite includes dual closets and a private en-suite bath, and the flexible bonus room offers additional storage while overlooking the rear courtyard. This top-floor residence enjoys the benefit of no upstairs neighbors and is conveniently located just steps from the elevator corridor and mailboxes, making daily living effortless. Assigned parking is included for added convenience. On Top of the World is home to two golf courses featuring both 9-hole and 18-hole options, along with two heated pools, a state-of-the-art fitness center, tennis and pickleball courts, lawn bowling, hobby studios, billiards, sauna, hot tub, library, a computer room with several desktops for residents use, and the popular on-site Karma Café. The community welcomes pets of any size and offers a full calendar of clubs, classes, and social events. Cable and internet are included in the monthly fee, enhancing the value of this amenity-rich lifestyle. Ideally located near Clearwater Beach, Honeymoon Island, downtown Dunedin, shopping, dining, medical facilities, and both Tampa International and St. Pete-Clearwater airports, this condo offers unmatched convenience to Gulf Coast attractions. While it does not offer direct golf or water views, its close proximity to Arbor Lake and the golf courses provides easy access to the community’s scenic surroundings. Priced to sell and ready for updates, this is a rare chance to create a customized retirement retreat in one of Clearwater’s most established and amenity-rich 55+ communities.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,080

Sqft

3.89 ac

Lot size

1984

Year built

One

Levels

$130

Per sqft

55+ communityPets allowed

Inside

FlooringCeramic Tile · Concrete
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Solid Surface Counters · Thermostat
LaundryCommon Area
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMembrane
ConstructionBlock · Stucco
FoundationSlab
FacesSoutheast
ParkingCommon · Ground Level · Guest
ExteriorAwning(s) · Irrigation System · Lighting · Private Mailbox · Sidewalk · Storage · Tennis Court(s)

Community & fees

Taxes (2025)$2,360/yr
PetsYes
CommunityDock · Fishing · Lake · Water Access · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Dog Park · Fitness Center · Gated Community - No Guard · Golf · Irrigation-Reclaimed Water · Park · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,243 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$824
FHA mortgage insurance (est.)$62
Property tax — 2025 actual bill$197
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $4,900
Interest rate6.00%
Loan term

Estimated payment

$1,243/mo

Principal & interest$824
FHA mortgage insurance (est.)$62
Property taxes (actual bill)$197
Est. insurance$160

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.

List $140K
$134KedgeAI estimate $150,191 · range $144K$167K$173K

vs edgeAI estimate

−6.8%

$/sqft vs ON TOP OF THE WORLD

$130 vs $149

Days on market

167 vs 55 typical

Where $130/sqft sits among the 236 homes for sale in ON TOP OF THE WORLD

65
47 · this home
38
34
24
28
$98–121$121–144$144–167$167–190$190–213$213+

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

Map of 2284 SPANISH DRIVE UNIT 50

Drive times from this address

Tampa Int’l Airport (TPA)28 min
Downtown Tampa31 min

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

ElementaryMcMullen-Booth Elementary School★★★★★
HighCountryside High School★★★★★
MiddleSafety Harbor Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Clearwater market

Seller’s marketBalanced5.1 months of inventoryBuyer’s market

$328K$350K

Clearwater median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

112 of 236

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 12% below the CLEARWATER 33763 median. See the full Clearwater market guide →

Paper trail

This home's history

Feb 20, 2026Listed at $140,000 · 167 days on market since
1984Built · ON TOP OF THE WORLD

Reality check

What actually sold near 2284 SPANISH DRIVE UNIT 50

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2441 PERSIAN DRIVE UNIT 51Sold · Apr ’26

$140,000

2441 PERSIAN DRIVE UNIT 51 · same community

2 bd · 2 ba · 1,070 sqft · $131/sqft · 86 DOM

2287 PHILIPPINE DRIVE UNIT 29Sold · Dec ’25

$118,000

2287 PHILIPPINE DRIVE UNIT 29 · same community

2 bd · 2 ba · 1,070 sqft · $110/sqft · 189 DOM

2431 CANADIAN WAY UNIT 9Sold · Dec ’25

$108,000

2431 CANADIAN WAY UNIT 9 · same community

2 bd · 1 ba · 1,100 sqft · $98/sqft · 79 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.

Julian Rivera

Your agent

Julian Rivera

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2284 SPANISH DRIVE UNIT 50 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2284 SPANISH DRIVE UNIT 50 — before you fall in love.

See it in person

Schedule a tour

Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2284 SPANISH DRIVE UNIT 50 FAQs

What would the monthly payment be for 2284 SPANISH DRIVE UNIT 50?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,243/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 2284 SPANISH DRIVE UNIT 50?+

The most recent tax bill on record (2025) was $2,360. 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 2284 SPANISH DRIVE UNIT 50?+

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 $140,000, this home is listed about 49% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2284 SPANISH DRIVE UNIT 50?+

McMullen-Booth Elementary School (elementary), Countryside High School (high), Safety Harbor Middle School (middle) — Pinellas County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KELLER WILLIAMS GULF BEACHES · Troy Walseth. MLS #TB8477911.

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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2284 SPANISH DRIVE UNIT 50, CLEARWATER, FL — 2 Bed, 2 Bath — $140,000 | CENTURY 21 Edge