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$249,000

2284 SPANISH DRIVE UNIT 6, CLEARWATER, FL 33763

Active23 days on market

Beds

2

Baths

2

Sq Ft

1,370 sq ft

Year Built

1984

Lot Size

Garage

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About This Property

Virtually Staged. Stunning First-Floor, Fully Renovated (2024) Emerald Model – Modern Upgrades, Sun-Filled Patios & Premium Finishes This beautifully redesigned 2-bedroom, 2-bath Emerald model in the sought-after On Top of the World 55+ community offers a rare blend of luxury, convenience, and effortless first floor living. Every inch of this home has been thoughtfully updated with high-end finishes that elevate both style and comfort. The kitchen is a true showpiece, featuring sleek quartz countertops, LG fingerprint-resistant appliances, a double refrigerator, gourmet stationary kitchen island with electrical outlets and ample storage, microwave, range, and soft-close cabinetry. Recessed lighting brightens the space, while the absence of popcorn ceilings creates a clean, modern look. Convenience of an in-unit Washer and Dryer tucked away in its own closet. The flooring is upgraded to luxurious ceramic tile throughout, with carpet only in one room for added comfort. The Primary suite has a walk-in shower, both bathrooms have been refreshed with new vanities, marble tops, updated lighting, and new toilets, giving each space a crisp, contemporary feel. Enjoy peace of mind with double-pane impact windows (2022). Water Heater (2026), AC (1998) has been well maintained. Outdoor living shines here: the front patio is sun-drenched, perfect for morning coffee or container gardening, while the rear patio is fully covered with a relaxing view of green space offering a shaded retreat for entertaining. Located in a vibrant, amenity-rich community with golf, pools, fitness centers, clubs, and endless activities, this first-floor, fully updated Emerald model is move-in ready and truly stands out. There is a storage area in the core of the building. This unit also affords you a parking right outside your door, this home is on the West Side of the community and 1 block from Harbor Lake. Take a walk Harbor Lake's shores beckon—a tranquil retreat where walking trails and park benches invite contemplation. Sit on a community bench, gaze over the lake, and let time slow down. Stroll along the winding trail, breathe in the whispers of nature, and find solace The building is a quick drive away from the West Activity Center. A hot tub awaits here, its warmth melting away the day's cares. An Olympic-sized heated pool invites you to swim, laugh, and bask in the sun. Billiards room, computer lab—each corner promises connection and joy. For our furry friends, a community dog park lies just beyond the west activity ctr. —a wagging tail's paradise. The East Side boasts not one, but two golf courses—a golfer's dream. GOLF IS FREE TO RESIDENTS. West & East Side has heated pools, we have Craft rooms, clubs, and the ballroom dances to life with DJs and live bands. Card rooms, tennis courts, horseshoes, grilling areas—the leisure canvas awaits. And PICKLE BALL-a spirited game where paddles meet laughter. On-site, the Good Karma Café tempts with take-and-bake meals and snacks. Here, conversations flow, and friendships brew. Clearwater Beach is only 10 miles away and an easy drive to Tampa International Airport. If Financing OTOW requires 35% down payment & Pre Approval for financing transactions and POF Required for cash transactions.

Property Overview

Property TypeResidential
Sub TypeCondominium
MLS #TB8504159
StatusActive
Year Built1984
Stories3
Total Rooms5
ConstructionBlock, Concrete, Stucco
RoofBuilt-Up, Membrane, Shingle
FoundationSlab
FacesSoutheast
SubdivisionON TOP OF THE WORLD
CountyPinellas
OwnershipCondominium

Interior Features

InteriorCeiling Fan(s), Crown Molding, Eating Space In Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Solid Surface Counters, Stone Counters, Window Treatments
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryIn Kitchen, Inside
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorStorage
Road SurfaceAsphalt
ViewGarden
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Available, Cable Connected, Electricity Available, Sewer Connected, Water Connected

Parking

GarageNo

HOA & Community

HOAYes
Senior CommunityYes

Financial Details

List Price$249,000
Annual Taxes$2,541 (2025)
FinancingCash, Conventional, Other
Parcel #062916640960880060

Directions

From Sunset Point Rd head north on Belcher Rd to World Pkwy. and turn left (west). Go West to Americus Blvd S, Turn Left to Norwegian Dr, Turn Left on Spanish Dr and the building is the last on the left.

Location

2284 SPANISH DRIVE UNIT 6, CLEARWATER, FL 33763

Listing Information

OfficeCOLDWELL BANKER REALTY
ListedMay 2, 2026

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How to Buy This Home

Multiple financing options available for this $249,000 home in CLEARWATER.

🏛️

FHA Loan

$8,715 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$12,450 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 5, 2026.

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