2284 PHILIPPINE DRIVE UNIT 39, CLEARWATER, FL, 33763
Active35 days on marketListed Jun 19, 2026MLS #TB8518895
About this home
2284 PHILIPPINE DRIVE UNIT 39
You'll be delighted you didn't miss this beautifully maintained ~ diamond in the rough condo featuring an updated A/C and located in one of the most sought-after sections of the renowned On Top of the World community. The spacious El Dorado floor plan offers the perfect blend of comfort and functionality, ideal for both entertaining guests and enjoying easy everyday living. Conveniently situated directly across from the West Activity Center, you'll have exceptional amenities just steps from your door, including a 12-table billiards room, heated lap pool, 13-jet spa, card room, and a large party room complete with a full kitchen. When you're ready to explore, you're just minutes from the soft sands of Clearwater Beach and a short drive from the dining, entertainment, and cultural attractions of Tampa. Enjoy nearby shopping at three major malls, browse unique antique shops, or stroll the charming downtown districts of Safety Harbor and Dunedin. With so much to see and do, every day can be an adventure—or simply a chance to sit back, relax, and enjoy the tropical Florida lifestyle.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,340
Sqft
0 ac
Lot size
1987
Year built
One
Levels
$111
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 — not generic estimates.
$1,143 /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
$1,143/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
−21.3%
$/sqft vs ON TOP OF THE WORLD
$111 vs $152
Days on market
35 vs 47 typical
Where $111/sqft sits among the 245 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)
117 of 245
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 7% below 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 39
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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2284 PHILIPPINE DRIVE UNIT 39 — 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 39 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
2284 PHILIPPINE DRIVE UNIT 39 FAQs
What would the monthly payment be for 2284 PHILIPPINE DRIVE UNIT 39?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,143/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2284 PHILIPPINE DRIVE UNIT 39?+
The most recent tax bill on record (2025) was $484. 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 39?+
The listing reports pets: Yes. 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 $148,900, this home is listed about 46% 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 39?+
Dunedin High School (high), Leila Davis Elementary School (elementary), 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
01Under the CLEARWATER 33763 market on paper
$148,900 is 7% below the CLEARWATER 33763 median of $159,900, and at $111/sqft it sits under the Clearwater average of $275.
02Strong assigned schools
Dunedin High School, Leila Davis Elementary School, Safety Harbor Middle School — Leila Davis Elementary School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $149,900, now $148,900 — a $1K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BONOMO REALTY LLC · Deb Bonomo. MLS #TB8518895.
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.
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