2231 UTOPIAN DRIVE E, #219, Clearwater, FL, 33763 | $225,000

Step into easy, carefree living with this beautifully maintained 2-bedroom, 2-bath condo located in the highly sought-after On Top of the World 55+ gated community in Clearwater. This bright and inviting home offers 1, 210 square feet of living space, a well designed layout featuring a large kitchen, open concept living and dining area, generously sized bedrooms, ample closet space, with an additional storage area for your in-unit washer & dryer—providing both comfort and functionality. Additionally there is 1 assigned parking space and guest parking available. Positioned just east of Belcher Road, this location offers a peaceful setting while still being conveniently close to the community’s outstanding amenities. Residents enjoy access to two golf courses, including both an 18-hole and a 9-hole course, as well as two activity centers that host a wide variety of social events and recreational activities. Stay active in the fully equipped fitness center featuring modern cardio machines, strength training equipment, circuit training, and spinning classes. The community also offers a scenic private park set along a tranquil lake with a walking trail—perfect for enjoying the outdoors. For added convenience, complimentary bus service provides easy access to nearby shopping centers. Ideally located just minutes from Clearwater’s top rated beaches, as well as a variety of dining and retail options, with Publix directly across the street for everyday needs. Whether you’re seeking a full-time residence or a seasonal getaway, this home offers a perfect blend of comfort, convenience, and a vibrant, resort-style lifestyle.

Features

  • Elevator: Y
  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 3
  • Amenities: Cable TV, Clubhouse, Elevator(s), Fitness Center, Gated, Golf Course, Maintenance, Pickleball Court(s), Pool, Recreation Facilities, Sauna, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s)
  • Rooms: 5
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Inside, Laundry Closet
  • Complex: ON TOP OF THE WORLD
  • Year Built: 1995
  • Approx Sq. Feet: 1,210
  • Acreage: 1.31
  • Est. Taxes: $2,670
  • Condo Fee: $515 Monthly
  • Adult Communities: Yes
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8493294
  • Days on Market: 5 days
  • Website: https://www.raveis.com
    /prop/TB8493294/2231utopiandrivee_clearwater_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/13/2026 1:13:16 AM)
Listing courtesy of KELLER WILLIAMS ST PETE REALTY   Phone: 727-894-1600

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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2231 UTOPIAN DRIVE E, #219, Clearwater, FL, 33763

$225,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $180,000 $180,000 $180,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.668%
Monthly Tax Payment $223 $223 $223
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,065 $1,108 $1,459
Total Monthly Payment $1,362 $1,405 $1,756

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.