2284 SPANISH DRIVE, #6, Clearwater, FL, 33763 | $249,000

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.

Features

  • Elevator: Y
  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 3
  • Amenities: Pickleball Court(s), Spa/Hot Tub, Storage, Trail(s)
  • Rooms: 5
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: In Kitchen, Inside
  • Complex: ON TOP OF THE WORLD
  • Year Built: 1984
  • Approx Sq. Feet: 1,370
  • Est. Taxes: $2,541
  • Condo Fee: $575 Monthly
  • View: Garden
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8504159
  • Days on Market: 23 days
  • Website: https://www.raveis.com
    /prop/TB8504159/2284spanishdrive_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 7/6/2026 4:00:14 AM)
Listing courtesy of Coldwell Banker Realty   Phone: 727-781-3700

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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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2284 SPANISH DRIVE, #6, Clearwater, FL, 33763

$249,000

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 $199,200 $199,200 $199,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.952%
Monthly Tax Payment $212 $212 $212
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,193 $1,258 $1,654
Total Monthly Payment $1,480 $1,545 $1,941

* 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.