2296 MONACO LN UNIT 10, CLEARWATER, FL, 33763
Active119 days on marketListed Mar 27, 2026MLS #TB8489809
About this home
2296 MONACO LN UNIT 10
Price Improvement! Welcome to this beautifully updated 3-bedroom, 2-bath first-floor condo located in the highly sought-after 55+ community of On Top of the World in Clearwater, Florida. This move-in-ready unit features stunning luxury flooring throughout, fresh interior paint completed within the last year, a new impact-rated back door, and updated window blinds. The HVAC system was replaced in May 2022, offering peace of mind for years to come. This community offers a clubhouse, multiple pools, and excellent walkability throughout the neighborhood. Conveniently located just 9 miles from beautiful Gulf beaches and close to shopping, dining, and everyday essentials. If you've been waiting for the perfect opportunity to own in this desirable community, don't wait-this one will not last long!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,325
Sqft
1 ac
Lot size
1992
Year built
One
Levels
$175
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 and the real association fee — not generic estimates.
$2,419 /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
$2,419/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
+8.5%
$/sqft vs ON TOP OF THE WORLD
$175 vs $150
Days on market
119 vs 47 typical
Where $175/sqft sits among the 249 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)
117 of 249
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 45% 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 LN UNIT 10
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$187,500
2221 SWEDISH DRIVE UNIT 1 · same community
2 bd · 2 ba · 1,370 sqft · $137/sqft · 33 DOM
Sold · Dec ’25$131,000
2360 WORLD PARKWAY BOULEVARD UNIT 38 · same community
2 bd · 2 ba · 1,400 sqft · $94/sqft · 47 DOM
Sold · Mar ’26$155,000
2071 AUSTRALIA WAY W UNIT 37 · same community
2 bd · 2 ba · 1,400 sqft · $111/sqft · 12 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 2296 MONACO LN UNIT 10 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2296 MONACO LN UNIT 10 — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2296 MONACO LN UNIT 10 FAQs
What would the monthly payment be for 2296 MONACO LN UNIT 10?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,419/mo — principal and interest, the actual property-tax bill, the $577/mo association fee 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.
How much are the HOA fees at 2296 MONACO LN UNIT 10?+
The association fee works out to $577 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2296 MONACO LN UNIT 10?+
The most recent tax bill on record (2025) was $2,559. 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 LN UNIT 10?+
The listing reports pets: Cats OK, Dogs OK. 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 $232,000, this home is listed about 16% 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 LN UNIT 10?+
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
Five things that matter here
01Positioned at the premium end
$232,000 runs 45% above the CLEARWATER 33763 median.
02Know the monthly fee
The association fee is $577/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
119 days on market against a Clearwater median of 47 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $242,000, now $232,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Karen Moore. MLS #TB8489809.
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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