On Top Of The World Homes with Lake Front Water Frontage

On Top Of The World Homes with Lake Front Water Frontage

Welcome to On Top Of The World, a serene and vibrant subdivision nestled in the heart of Clearwater, Florida. This stunning community, located in picturesque Pinellas County, offers a unique blend of tranquility and convenience, making it an ideal place to call home.

On Top Of The World is renowned for its breathtaking lakefront properties, where residents can enjoy the soothing sights and sounds of waterfront living. Imagine waking up to the gentle lapping of water against the shore, with stunning views that change with the seasons. These homes boast direct access to the shimmering lakes, allowing for leisurely afternoons spent fishing, kayaking, or simply soaking in the beauty of nature.

The community is designed for active living, featuring a plethora of amenities that cater to a variety of lifestyles. Residents can take advantage of walking trails, fitness centers, and social clubs, promoting a sense of camaraderie and connection among neighbors. Whether you’re looking to engage in recreational activities or relax by the lake, On Top Of The World has something for everyone.

In addition to its natural beauty, the subdivision is conveniently located near Clearwater’s vibrant downtown area, offering an array of shopping, dining, and entertainment options. With its perfect blend of peaceful lakeside living and easy access to urban amenities, On Top Of The World stands out as a premier destination for those seeking a balanced lifestyle.

Explore the charm of On Top Of The World and discover your dream home amidst the stunning lakefront scenery of Clearwater, Florida. Your paradise awaits!

Newest On Top Of The World Homes with Lake Front Water Frontage

2192 Swedish Drive Unit 6, Clearwater
$309,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Discover the comfort, convenience, and lifestyle of this beautifully maintained first-floor condominium, offering approximately 1,650 square feet of inviting living space in a highly desirable location within On Top of the World! From the moment you enter, you'll appreciate the warmth and character of this spacious two-bedroom, two-bath home. Crown molding and plantation shutters add an elegant touch throughout, while beautiful hardwood flooring extends through the living room, dining area, kitchen, Florida room, and hallways. Both bedrooms are carpeted, with tile flooring in the bathrooms. The kitchen features appliances just a few months old, and the hot water heater was replaced in 2026. The air conditioning system, while older, has been regularly serviced and continues to work well. Storage is exceptional, with two generous walk-in closets, and a separate study featuring attractive built-in cabinetry provides a wonderful space for reading, hobbies, or working from home. One of the home's special features is the peaceful rear patio, surrounded by lovely landscaping and greenery. It's the perfect place to enjoy your morning coffee, unwind in the afternoon, or simply appreciate the outdoors. The convenient first-floor location and friendly atmosphere of this two-story building add to the appeal. You'll also enjoy easy access to the scenic walking path around Harbor Lake. Living at On Top of the World means enjoying much more than a beautiful home. This sought-after 55+ community offers an extraordinary range of amenities and activities designed to make every day more enjoyable. Residents have access to two activity centers, two heated swimming pools, a state-of-the-art fitness center, tennis and pickleball courts, walking and biking paths, hobby and craft studios, and a fully equipped woodworking shop. Golf enthusiasts will especially appreciate two private golf courses—a nine-hole and an 18-hole course—available exclusively to resident owners at no additional charge. There is truly something for everyone, with an active calendar of clubs, fitness classes, dancing, billiards, cards, educational programs, live entertainment, and countless opportunities to make new friends. Pet owners will appreciate the welcoming, pet-friendly atmosphere and fenced dog park. The community is situated on one of the highest elevations in Pinellas County, offering added peace of mind regarding potential storm surge. Buildings feature solid concrete construction designed for hurricane resilience. The building's required Milestone Inspection has been successfully completed, with no Phase II inspection required. The community also has a longstanding reputation for responsible financial management, with no special assessments in more than 60 years. Conveniently located just minutes from award-winning Gulf beaches, shopping, restaurants, healthcare facilities, airports, and cultural attractions, On Top of the World is an ideal place to call home year-round or enjoy as a seasonal retreat. With its generous living space, attractive finishes, thoughtful updates, exceptional storage, tranquil patio, and access to an outstanding community lifestyle, this home offers a wonderful opportunity to enjoy the very best of On Top of the World. Schedule your private showing today!

2192 Swedish Drive Unit 6, Clearwater
2040 World Parkway Boulevard Unit 22, Clearwater
$179,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Welcome to On Top of the World Golf Course Community in Clearwater! This fully furnished 2-bedroom, 2-bath, 1,400 sq. ft. end unit offers extra windows for added natural light and an exceptional location directly across from the East Activity Center (Building 11). Thoughtful upgrades include PGT hurricane rated windows installed in 2025, luxury vinyl plank flooring, updated kitchen cabinets and counter tops with newer appliances, and a convenient coffee bar. The spacious primary suite features an updated ensuite bathroom, while generous storage throughout provides plenty of room to stay organized. The Florida Room is perfect for Relaxing and enjoy a beautiful, peaceful view of mature trees and a quiet stream, creating a lovely backdrop to everyday living. Live in the Florida lifestyle at On Top of the World Clearwater, where there’s always something to enjoy! This active 55+ community offers golf, swimming pools, fitness facilities, tennis, pickleball, shuffleboard, lawn bowling, fishing and kayaking, a dog park, and a wonderful variety of clubs and social activities. With so many ways to stay active, socialize, and enjoy your surroundings, OTOW offers much more than a home, it offers a lifestyle. Financing requires a minimum 35% down payment.

2040 World Parkway Boulevard Unit 22, Clearwater
2459 Franciscan Drive Unit 3, Clearwater
$209,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Beautifully updated first-floor condo in the sought-after 55+ community of On Top of the World! This move-in-ready home features an open floor plan, a stunning remodeled kitchen with modern finishes, and durable hard-surface flooring throughout. Enjoy the convenience of ground-floor living with no stairs and easy access to parking and amenities. OTOW offers golf, pools, fitness center, numerous social activities, and maintenance-free living. A perfect blend of comfort, style, and convenience!

2459 Franciscan Drive Unit 3, Clearwater
2401 Franciscan Drive Unit 39, Clearwater
$150,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Located in On Top of the World, a premier 55+ adult condominium community on over 300 acres offers resort-style living with two golf courses that are free to the residents, pickleball courts, shuffleboard/lawn bowling, 4 tennis courts, horseshoe pits, two recreation centers with events that include live bands and balls, over 60 active clubs, billiards room, craft room, café, fitness center with 13 exercise classes, wood working and craft rooms, dog park, two pools including one heated pool with hot tub, lakes with fishing pier, picnic areas with grills, ponds and lakes with walking trails, and more. There is a free resident shuttle that operates 5 days a week to local grocery stores and the malls. **The monthly HOA fee includes Cable TV, Internet, Water/Sewer/Trash, Exterior Maintenance, Grounds Maintenance, Building Insurance, Roof, and community amenities. ** This is a rare opportunity to purchase up to two units next door (MLS TB8495481) to create one large home, multi-generational living, or a live-in caregiver. Your home also has one reserved parking space, plus there is adjacent guest parking. This top-floor second-story unit is located in a prime location adjacent to the golf course and only 1,800 feet from the recreation center and pool. The windows were upgraded to impact-resistant windows, and the floors are a combination of luxury vinyl and tile. The spacious open floor plan has a large living room and dining room in front of the home, and a kitchen with a dinette, plus a large 300-foot Florida room. There are also two additional bedrooms with two bathrooms. A stacked Washer/Dryer combo is included with the home, plus there is a laundry facility down the hallway. There is also an outdoor breezeway with room for a table in front of the home. Minutes to Clearwater Beach, Dunedin, shops, restaurants, and easy access to Tampa International Airport.

2401 Franciscan Drive Unit 39, Clearwater
2228 Swedish Drive Unit 22, Clearwater
$285,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
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.

2228 Swedish Drive Unit 22, Clearwater
2221 Swedish Drive Unit 53, Clearwater
$179,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Virtually Staged. Beautiful 3rd-floor 2-bedroom, 2-bath partially furnished El Dorado model offering 1,370 sq ft of bright, open living on the highly sought-after West Side of On Top of the World’s golf community—just steps from Harbor Lake. Complete with a charming sitting area at the front entry perfect for enjoying your morning coffee or relaxing after a day of activities, you will see this sets the tone before you step inside. The spacious interior features ceramic tile flooring throughout the main living areas, granite kitchen countertops, newer appliances, and a new disposal. The home includes updated windows in front (2008); back windows are hurricane-impact (2025) providing added protection and efficiency. Major mechanicals are already updated with a (2025) water heater and Trane A/C (2018). The primary bedroom offers new soft carpeting, creating a comfortable retreat. The guest bedroom is carpeted and is a blank canvas. This desirable El Dorado layout delivers generous room sizes, abundant natural light, and a smooth, easy-living flow. Located on OTOW’s premier West Side, residents enjoy close proximity to golf, pools, fitness centers, clubs, and endless activities—all within a vibrant 55+ community and minutes from shopping, dining, and Clearwater’s beautiful beaches.

2221 Swedish Drive Unit 53, Clearwater
2363 Israeli Drive Unit 33, Clearwater
$99,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Step into this cheerful well cared for 2-bedroom, 2-bath condo in Clearwater’s beloved On Top of the World 55+ community, where the lifestyle is easy and the possibilities are wide open. This clean second-floor unit is partially furnished and ready for someone who wants a move-in-ready start while planning their updates. You’ll appreciate the updated windows in the back, a dependable 2013 A/C, and a layout that includes a bright Florida room—furniture included! The primary bedroom also comes furnished, and the living room’s crisp neutral couch stays, giving you a great base for your décor. The kitchen is truly turn-key, stocked with pots, pans, glasses, and dishes, plus a new 1-year-old SS refrigerator that makes settling in even easier. Just bring groceries and you’re good to go. Located steps to the elevator and the laundry room. Yes, it needs updating—but that’s your chance to make it shine. Meanwhile, you get to enjoy all the amenities OTOW is famous for: golf, pools, fitness centers, clubs, and endless activities. A clean slate, partial furnishings, and instant livability in one of Clearwater’s most social, active communities. Come make this condo your next fun project.

2363 Israeli Drive Unit 33, Clearwater
2209 Utopian Drive E Unit 207, Clearwater
$189,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Welcome to easy Florida living in the highly desirable Active Adult community of On Top of the World! This spacious two-bedroom, two-bath condominium offers a comfortable, functional layout along with the convenience of an inside laundry—a rare and valuable feature within the community. One of the home’s best features is its location. Step outside your door and enjoy the scenic walking trail surrounding Arbor Lake, perfect for a peaceful morning walk, an evening stroll or simply taking in the natural surroundings. On Top of the World is known for its impressive selection of amenities, including two activity centers, two golf courses, swimming pools, a fitness center, tennis and pickleball courts, shuffleboard, lawn bowling, billiards, a dog park and countless clubs, classes and social activities. Whether you prefer an active lifestyle or a relaxing day by the pool, there is always something to enjoy. Ideally located near shopping, dining, medical facilities and everyday conveniences, this community also places you just a short drive from charming Downtown Dunedin, the Pinellas Trail and the sugar-sand beaches of Clearwater Beach and Honeymoon Island. Enjoy waterfront restaurants, local breweries, festivals, boating and everything the Tampa Bay lifestyle has to offer. With its spacious floor plan, rare inside laundry and exceptional location near Arbor Lake, this residence is ready for its next owner to make it home. Come experience the carefree, amenity-rich lifestyle that makes On Top of the World one of Clearwater’s most popular Active Adult communities!

2209 Utopian Drive E Unit 207, Clearwater
2229 Americus Boulevard W Unit 7, Clearwater
$275,000
2 Beds ⋅ 3 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
1st floor condo! 1740 sq ft with 2 bedrooms 3 bathrooms. Built in 1990. New floor to ceiling cabinets with New Quartz counter tops and solid quartz backsplash. New Stainless Kitchen Appliances including Range, Microwave, Dishwasher and Refridgerater. New bathroom vanities and toilets. New ceiling fans. New Luxury Vinyl Plank flooring throughout the condo and carpet in the bedrooms (seller can install LVP in bedrooms as well if the buyer desires) and fresh new paint throughout as well as new textured knock down ceiling. Updated windows. Rear 10x22 Covered Patio added with permit in 2016. EXCEPTIONAL SPACE AND CONVENIENCE - 1,740 Sq. Ft. GROUND FLOOR available on the West Side of On Top of the World! Say goodbye to stairs and long walks to your front door--your assigned parking space is right at your front door for a seamless transition inside. This wide-open layout features a sprawling living/dining area that easily fits full-sized furniture. You'll also find a huge eat-in kitchen boasting abundant cabinetry, with a separate coffee/workstation. HIGHLIGHTS INCLUDE: Two Private Suites: BOTH oversized bedrooms feature their own private ensuite bathroom and spacious walk-in closet. Guest Bathroom, Inside Utility: Dedicated laundry room with washer/dryer hookups right off the kitchen. Outdoor Living: Enjoy a covered front sitting area PLUS a rear covered patio--perfect for morning coffee or evening entertaining. Live the premier 55+ resort lifestyle with free golf (to Owners), tennis, pickleball, 2 heated pools, spa, 2 active clubhouses, a fitness center, a dog park, and endless social clubs. Minutes from world-class beaches, shopping and dining.

2229 Americus Boulevard W Unit 7, Clearwater
2000 World Parkway Boulevard Unit 20, Clearwater
$110,000
1 Beds ⋅ 1 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
This one bedroom/one bathroom condo with bonus room is stylishly updated with quartz breakfast bar pass-through to kitchen and beautiful quartz countertops. Upgrades included a/c and hot water heater, new storm door, front door and lighting. Tile floors throughout this comfortable home right out to your Florida room with a peaceful view of the grounds. It can be used for guests, office, reading, library, etc. Lovely decorator quartz bathroom vanity and neutral paint from start to finish. Stairs lead right up from your parking space to your front door balcony with laundry room right around the corner (no elevator). Just a short walk to the East Recreation Center with pool and cardio gym. You will love this vibrant 55+ neighborhood. Golf on beautiful courses, hike scenic green spaces, play cards, dance, join clubs, attend community events, take group trips, or relax in the heated swimming pools. This is a pet friendly area and dogs will love the dedicated dog parks. You will really appreciate being close to shopping malls, dining, entertainment, healthcare facilities, and gorgeous area beaches. It's a place where comfort meets community, where everything you need is right at your doorstep.

2000 World Parkway Boulevard Unit 20, Clearwater
2402 Ecuadorian Way Unit 48, Clearwater
$109,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Come and see this top floor unit where you will never hear footsteps again. This unit needs some updating so you can remodel your way and is in move-in condition. The AC is 10 years old. Meet new friends and neighbors at the community pool. There are many planned activities and a bus runs through the community to the mall. 55+, land-leased, large pets are ok.

2402 Ecuadorian Way Unit 48, Clearwater
2256 Spanish Drive Unit 42, Clearwater
$209,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
This beautiful and pristine condo has been renovated from top to bottom. It is in a 55+ community, has 2-bedrooms, 2-bathrooms and is on the second-floor with an elevator. Brand new AC in 2025. The pet friendly neighborhood is ready to welcome you home! Thoughtfully refreshed throughout, the unit features fresh paint, an updated kitchen with quartz countertops and newer appliances, and beautifully updated bathrooms. A versatile bonus room just off the kitchen offers endless possibilities, use it as a dining area, TV room, home office, or additional guest space. Partial furnishings are also available, making your move even easier. Enjoy an unbeatable location close to Gulf beaches, airports, medical facilities, shopping, dining, entertainment, and everything you need for an easy Florida lifestyle. The community offers an impressive array of amenities and activities, including two heated pools, a dog park, fitness center, two golf courses, card games, many clubs, dancing, social events and plenty of opportunities to meet new friends and stay active. Whether you're looking for a full-time residence, seasonal getaway, or a place to enjoy the best of Florida living, this move-in-ready condo is a must-see. Schedule your private tour today and make this wonderful home yours!

2256 Spanish Drive Unit 42, Clearwater
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