2220 Spanish Dr #54, photo 1
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Overview

2 bd2 ba1,400 sqftCondominium
TypeCondominium
HOANone listed
Built1994
Living area1,400 sqft
Price / sqft$125

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About this home

ThermostatSidewalkAssociation Recreation - LeaseBuyer Approval RequiredDog ParkFitness CenterGated Community - GuardGolf

2220 Spanish Dr #54 is a 1994-built home in On Top Of The World, Clearwater. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,400 square feet of living space. Listed at $175,000 (about $125/sqft), 174 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually staged. Nestled on the peaceful cul-de-sac of the newer Westside of On Top of the World, this spacious third-floor condo offers 1400 square feet of comfortable living space. Featuring 2 bedrooms and 2 bathrooms, this home is ideal for those seeking a serene retreat. Enjoy vaulted ceilings that create an airy atmosphere, along with beautiful wood floors that add warmth and character throughout. The convenience of an in-unit washer/dryer adds ease to everyday living. Step outside the front door and be greeted by a lovely view of the lake, perfect for relaxing or unwinding after a long day. This condo is priced to sell and offers the ideal combination of space, style, and tranquility. Don't miss out on this amazing opportunity! Assigned parking. The 55+ community has two activity centers, and two private golf courses with 9 and 18 holes, free exclusively for resident owners. There are two heated swimming pools. The remodeled Cardio Gym has the latest exercise equipment. A very pet-friendly community, there is a fenced dog park with covered seating. There are hobby studios, and a wood shop for the exclusive use of the residents. Activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Close to beaches, transportation, shopping, entertainment, and fine dining. All room sizes, floor plans and square footage are approximate. This property is being transferred by a leasehold estate deed. Association approval is required. If financing, a 35% down payment is required.

The essentials

Built
1994
Price / sqft
$125
On market
174 days
Annual tax
$1,693
Flood zone
X · Low risk
Type
Condominium

At a glance

Condo
3 stories · 1994
Community pool
Fitness center too
Assigned parking
1,400 sqft
Living area

Payment

Est. monthly payment
$1,142/mo
Down payment (20%)
$35,000
Property taxes
$141/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1994
Lot
-
Cooling
Central Air
Heating
Central, Electric
Parking
Assigned
Days on Market
174
Thermostat
Sidewalk
Association Recreation - Lease
Buyer Approval Required
Dog Park
Fitness Center
Gated Community - Guard
Golf
Irrigation-reclaimed Water
Pool
Sidewalks
Tennis Court(s)
Street Lights
Dishwasher
Dryer
Electric Water Heater
Refrigerator
Washer
Flood Zone X
Annual Tax (2024)
$1,693
Parcel #
06-29-16-64128-090-0540

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
On Top Of The World
County
Pinellas
MLS Area
33763 - Clearwater
Lot Size
-

Price history

Date
Event
Price
9/14/2026
Price change
Source: Stellar MLS #TB8499807
$175,000-5.4%
$125/sqft
-
Price change
Source: Stellar MLS #TB8499807
$185,000-5.1%
$132/sqft
4/20/2026
Listed for sale
Source: Stellar MLS #TB8499807
$195,000
$139/sqft

Neighborhood

2220 Spanish Dr #54
Clearwater, FL, 33763 · 33763 - Clearwater

Market insights

Offer Insights

Choose an offer strength

List price: $175,000
$170,000 – $175,000
97.2% – 100% of listTops out right at the list price
80% of listList price
62 of the last 122 condo closings in 33763 landed at this number or higher (51%). The median one sat 51 days before it went under contract, and this one is on day 174 after a $20,000 cut.

Sample: 122 closed condo sales in 33763 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,141/mo
Principal & interest$913
Property taxes$141
Insurance$88
Down payment20% · $35,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$175,000

$125 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,400 sq ft

Time on market

174 days

Year built

1994

Monthly payment

About $1,142/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,693 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byON TOP OF THE WORLD REListing agent: Carmencita PotestaListing data from Stellar MLS, MLS# TB8499807.

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