2284 PHILIPPINE DRIVE UNIT 69, CLEARWATER, FL, 33763
Active69 days on marketListed May 26, 2026MLS #TB8510262
About this home
2284 PHILIPPINE DRIVE UNIT 69
A SNOWBIRD'S HAVEN! FULLY FURNISHED 2-Bed/2-Bath Condo in On Top of the World 55+ Community - A SNOWBIRD'S HAVEN! Welcome to this beautiful, fully furnished and well-maintained 2-bedroom, 2-bath, 1,400 sq ft condo in the highly desirable On Top of the World 55+ community. Located on the third floor with elevator access, this spacious El Dorado floor plan offers abundant natural light, peaceful views, and an open line of sight from the front door to the back window. The inviting living area flows into a well-appointed kitchen featuring ample cabinet storage, a pantry, granite countertops, and a large peninsula. The dining area stands out with its beamed ceiling, warm lighting, and thoughtful design touches that create an exceptionally welcoming atmosphere. The generous primary bedroom includes an en-suite bath with heat lamp, excellent closet space, and an in-unit washer and dryer. The guest bedroom is ideal for visitors, a home office, or hobbies and is currently furnished with a lovely queen bedroom set. Every piece of furniture showcases a classic Florida style look, offering both comfort and coastal charm. Additional highlights include assigned parking, updated windows throughout, ceiling fans in every room, a 2015 AC system, and gracefully maintained Florida-style furnishings. Kitchen appliances include an ice maker and air-fryer. This home is truly move-in ready.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,340
Sqft
2 ac
Lot size
1987
Year built
One
Levels
$183
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 and the real association fee — not generic estimates.
$2,470 /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
$2,470/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
+24%
$/sqft vs ON TOP OF THE WORLD
$183 vs $149
Days on market
69 vs 47 typical
Where $183/sqft sits among the 242 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
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
110 of 242
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 53% above the CLEARWATER 33763 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2284 PHILIPPINE DRIVE UNIT 69
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$187,500
2221 SWEDISH DRIVE UNIT 1 · same community
2 bd · 2 ba · 1,370 sqft · $137/sqft · 33 DOM
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
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2284 PHILIPPINE DRIVE UNIT 69 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2284 PHILIPPINE DRIVE UNIT 69 — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2284 PHILIPPINE DRIVE UNIT 69 FAQs
What would the monthly payment be for 2284 PHILIPPINE DRIVE UNIT 69?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,470/mo — principal and interest, the actual property-tax bill, the $592/mo association fee 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.
How much are the HOA fees at 2284 PHILIPPINE DRIVE UNIT 69?+
The association fee works out to $592 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2284 PHILIPPINE DRIVE UNIT 69?+
The most recent tax bill on record (2025) was $2,008. 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 2284 PHILIPPINE DRIVE UNIT 69?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, Size Limit. 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 $245,000, this home is listed about 11% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2284 PHILIPPINE DRIVE UNIT 69?+
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
Three things that matter here
01Positioned at the premium end
$245,000 runs 53% above the CLEARWATER 33763 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $592/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Christine Weber. MLS #TB8510262.
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.
Never miss a listing
New Clearwater homes, in your inbox
Like 2284 PHILIPPINE DRIVE UNIT 69 but not quite? A daily digest of every new listing in Clearwater — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Cindy to ping you on any price or status change →