2223 PHILIPPINE DRIVE UNIT 35, CLEARWATER, FL, 33763
Active118 days on marketListed Apr 8, 2026MLS #TB8493880
About this home
2223 PHILIPPINE DRIVE UNIT 35
Beautifully remodeled condo located in the highly sought-after On Top of the World, a premier 55+ community offering retirement living at its finest! This spacious 2-bedroom, 2.5-bathroom residence features 1,680 heated square feet, making it one of the larger floor plans in the community. Designed for comfort and convenience, this home includes a private in-unit laundry room and is truly move-in ready. Enjoy a long list of brand-new upgrades, including luxury vinyl flooring with sound-reducing underlayment, refinished kitchen cabinets paired with elegant quartz countertops, stainless steel appliances, a new garbage disposal, updates in all 3 bathrooms, fresh interior paint, updated electrical outlets, modern LED lighting fixtures, new fans, decorative shutters, and updated plumbing under all sinks with new water shut-offs. Every detail has been thoughtfully updated to provide a modern, low-maintenance lifestyle. The association offers exceptional value, covering exterior building maintenance—including the roof and landscaping—gated security, trash removal, cable TV, and more, giving you peace of mind and easy living. The lifestyle here is truly second to none. Residents enjoy access to two championship golf courses free of charge, two large swimming pools, tennis and pickleball courts, a fully equipped fitness center, hobby studios, a fishing pier, kayaking, a dog park, and a convenient free community shuttle—all just steps from your door. This unit represents an exceptional opportunity to own one of the larger floor plans available in this class of building, ideally situated within one of the most desirable locations in the community. Priced to sell and ready to show. Come experience for yourself why On Top of the World has remained one of Florida’s most beloved active adult communities for decades.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,680
Sqft
0 ac
Lot size
1993
Year built
One
Levels
$179
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.
$2,388 /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
$2,388/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
+33.2%
$/sqft vs ON TOP OF THE WORLD
$179 vs $149
Days on market
118 vs 55 typical
Where $179/sqft sits among the 239 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
$328K → $350K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
109 of 239
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 85% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2223 PHILIPPINE DRIVE UNIT 35
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$155,000
8959 SW 96TH LANE UNIT A · same community
2 bd · 2 ba · 1,728 sqft · $90/sqft · 124 DOM
Sold · Dec ’25$340,000
10414 SW 105TH TERRACE · same community
2 bd · 2 ba · 1,767 sqft · $192/sqft · 5 DOM
Sold · Dec ’25$247,500
9155 SW 83RD COURT UNIT C · same community
2 bd · 2 ba · 1,886 sqft · $131/sqft · 39 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 2223 PHILIPPINE DRIVE UNIT 35 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2223 PHILIPPINE DRIVE UNIT 35 — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2223 PHILIPPINE DRIVE UNIT 35 FAQs
What would the monthly payment be for 2223 PHILIPPINE DRIVE UNIT 35?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,388/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 2223 PHILIPPINE DRIVE UNIT 35?+
The most recent tax bill on record (2025) was $3,954. 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 2223 PHILIPPINE DRIVE UNIT 35?+
The listing reports pets: Breed Restrictions, Number Limit, 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 $299,900, this home is listed about 9% above the Clearwater median of $274,450. The market section on this page shows how the area is trending.
Which schools are assigned to 2223 PHILIPPINE DRIVE UNIT 35?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$299,900 runs 85% above the CLEARWATER 33763 median — but at 1,680 sqft it's also 34% larger than the typical Clearwater listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
118 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $335,000, now $299,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED REALTY GROUP, LLC · Sandy Harris. MLS #TB8493880.
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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