2228 SWEDISH DRIVE UNIT 22, CLEARWATER, FL, 33763
Active10 days on marketListed Oct 28, 2026MLS #TB8562532
About this home
2228 SWEDISH DRIVE UNIT 22
Virtually Staged. Welcome to On Top of The World, a premier 55+ Active Community. This beautiful & spacious 2 bedroom/ 2 bathroom condo is one of the largest units in the community at 1,740 sf. This condo is ideal for someone who is transitioning from a single family home or anyone looking for EXTRA SPACE and STORAGE. You will find closets and storage everywhere: there is a good size closet at the entry way; there is a large WALK-IN STORAGE closet in the hallway; there is a linen closet in the hallway; the master bedroom has a HUGE WALK-IN CLOSET and a 2nd closet; the 2nd bedroom has a large WALK IN CLOSET; there is a large Laundry Room with loads of storage cabinets; and there is a community storage closet. The spacious living room is accented with gleaming Brazilian Cherry wood floors. The large EAT-IN kitchen has endless possibilities: it can also double as a family room, a dining room, or an office space. Enjoy your morning coffee and meals with peaceful pond views out the large Bay window. You will love the gorgeous Travertine floors that make cleaning a breeze. As an added convenience, this is one of the newer buildings that has a full INSIDE LAUNDRY ROOM equipped with HOA approved hookups, a washer & dryer, and lots of storage cabinets. Some updates include newer DOUBLE PANE WINDOWS, NEW A/C system in 2024, and a newer hot water heater. On Top of The World has over 100 clubs and activities. There are two activity centers and two private GOLF courses with 9 and 18 holes, free exclusively for residents & owners. There are two HEATED swimming pools to enjoy all year. The remodeled Cardio Gym is a state-of-the-art fitness center with the latest exercise equipment complete with spinning classes, yoga, and more. There are hobby studios including a wood shop, a computer lab, Billiards room, and card rooms. The grand ballroom hosts live music, entertainment, and events. There is also horseshoes, shuffle board, tennis courts, pickle ball, walking trails, bike storage, kayak storage & launch area. Enjoy some take & bake meals and snacks at the on-site Good Karma Café’. Your four legged friends will love the fenced Dog Park with benches. This is a VERY FRIENDLY PET community and one of the only 55+ communities that allows for multiple pets and LARGE DOGS. This community offers the security and comfort of being situated on one of the highest points in Pinellas County and is in a NON-FLOOD & NON-EVACUATION zone, safe from any potential storm surge. The buildings are made of concrete, built to withstand hurricane winds, and the Milestone Study has been completed with no need for Phase II. Additionally, OTOW has a long history of careful budgeting, resulting in NO special assessments during its four-decade history. This great location is close to the Best Beaches and State Parks including the Sugar Sands at Clearwater Beach, Honeymoon Island, the charming towns of Tarpon Springs, Dunedin and Safety Harbor. There are excellent Shopping and Dining options all around and it provides easy commuting to Tampa, St. Petersburg, Airports. Whether you’re looking for a year-round residence or a seasonal retreat, this condo has everything you need for an enjoyable and comfortable lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,740
Sqft
5.38 ac
Lot size
1990
Year built
One
Levels
$164
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.
$2,290 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,290/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+16.3%
$/sqft vs ON TOP OF THE WORLD
$164 vs $143
Days on market
10 vs 55 typical
Where $164/sqft sits among the 241 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 On Top Of The World
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
On Top Of The World — neighborhood snapshot
Population
5,689
Median age
67
Median income
$51,862
Median home value
$191,297
Avg household
2
Households w/ children
361
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
$330K → $275K
Clearwater median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
105 of 241
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 78% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2228 SWEDISH DRIVE UNIT 22
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$205,000
9662 SW 97TH LANE · same community
3 bd · 2 ba · 1,742 sqft · $118/sqft · 263 DOM
Sold · Jan ’26$145,000
8714 SW 92ND LANE UNIT A · same community
2 bd · 2 ba · 1,748 sqft · $83/sqft · 71 DOM
Sold · Dec ’25$340,000
10414 SW 105TH TERRACE · same community
2 bd · 2 ba · 1,767 sqft · $192/sqft · 5 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2228 SWEDISH DRIVE UNIT 22 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2228 SWEDISH DRIVE UNIT 22 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2228 SWEDISH DRIVE UNIT 22 FAQs
What would the monthly payment be for 2228 SWEDISH DRIVE UNIT 22?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,290/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 2228 SWEDISH DRIVE UNIT 22?+
The most recent tax bill on record (2025) was $572. 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 2228 SWEDISH DRIVE UNIT 22?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $285,000, this home is listed about 5% below the Clearwater median of $299,737. The market section on this page shows how the area is trending.
Which schools are assigned to 2228 SWEDISH DRIVE UNIT 22?+
Leila Davis 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
Three things that matter here
01Positioned at the premium end
$285,000 runs 78% above the CLEARWATER 33763 median — but at 1,740 sqft it's also 37% 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.
03Strong assigned schools
Leila Davis Elementary School, Countryside High 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 REALTY EXPERTS · Maria Buote-Mitchell. MLS #TB8562532.
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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