2381 ECUADORIAN WAY UNIT 45, CLEARWATER, FL, 33763
Active94 days on marketListed May 7, 2026MLS #TB8506318
About this home
2381 ECUADORIAN WAY UNIT 45
Virtually Staged. Step into this bright, sunny retreat filled with abundant Florida sunshine. Newer impact-rated windows flood the open living space and versatile sun room with natural light. Gorgeous vinyl plank flooring flows throughout. Crown molding and recessed lighting enhance the airy elegance. The sun room offers flexible space for family room, office, or workout area. Freshly remodeled kitchen features high-end cabinets, granite countertops, stunning backsplash, and stainless steel appliances. The primary bedroom is spacious with en-suite bath, updated vanity, fixtures, and ceiling fan. The second bedroom is equally roomy with its own ceiling fan and easy access to the updated second bath. Includes stackable in-unit W/D, 2020 water heater, and abundant closets/storage. Move-in ready gem! On Top of the World, is Clearwater’s premier 55+ community that defines active living. Tee off at the community's 9 and 18 hole golf courses, which are Free to resident owners with an activity card. Unwind at one of the two heated swimming pools. Stay fit in the conveniently located Fitness Center, play with your furry friends at the Dog Park or join one of the over 100 Clubs and Activities to connect with neighbors and pursue your passions. On Top of the World is a very well run community with healthy financials that bring tons amenities to the residents while maintaining low association fees. Just minutes from world-renowned Beaches, Premier Shopping, Dining, Airports and Health Facilities, this condo offers the perfect blend of luxury, convenience and leisure. Don't miss your chance to embrace an idyllic lifestyle in this move-in ready Ground Floor home. If financing, OTOW requires 35% down. Schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,400
Sqft
300 ac
Lot size
1971
Year built
One
Levels
$132
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.
$1,374 /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
$1,374/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
+0.3%
$/sqft vs ON TOP OF THE WORLD
$132 vs $145
Days on market
94 vs 55 typical
Where $132/sqft sits among the 232 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 → $307K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
109 of 232
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 16% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2381 ECUADORIAN WAY UNIT 45
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$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
Sold · Dec ’25$269,900
2379 FINLANDIA LANE UNIT 21 · same community
2 bd · 2 ba · 1,400 sqft · $193/sqft · 4 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2381 ECUADORIAN WAY UNIT 45 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2381 ECUADORIAN WAY UNIT 45 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2381 ECUADORIAN WAY UNIT 45 FAQs
What would the monthly payment be for 2381 ECUADORIAN WAY UNIT 45?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,374/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 2381 ECUADORIAN WAY UNIT 45?+
The most recent tax bill on record (2025) was $520. 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 2381 ECUADORIAN WAY UNIT 45?+
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 $185,000, this home is listed about 33% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2381 ECUADORIAN WAY UNIT 45?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PRISTINE FLORIDA PROPERTIES LLC · Anna Smith. MLS #TB8506318.
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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