2295 Mexican Way #41 · Clearwater, FL 33763

$124,999

1 bd · 1.0 ba · 780 sqft · Condo public records · 64 Days on market

Built 1979 $544/mo HOA · 35% of rent

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +10.2/30.0
• ARV discount +7.5/15.0
• 1% rule +7.4/10.0
• Schools +4.3/10.0
• Livability +4.1/5.0
• DSCR +2.9/10.0
• Condition / age +2.5/5.0
• Rent growth +1.8/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Golf Course View. Come see this fully updated condo in this highly sought after building. This property features an open kitchen concept with granite counter tops, stainless steel appliances, wood glass cabinets, and wine storage. The Under cabinet and ceiling lighting have been updated for that new bright look. You will fall in love with this kitchen living room combo. The spacious primary bedroom has updated crown molding and closet organizer. The bathroom features updated tile, vanity and mirror. Enjoy updated windows and planation shutter throughout. This is a must see!! Assigned parking. The 55+ community has two activity centers, and two private golf courses with 9 and 18 holes, free exclusively for resident owners. There are two heated swimming pools. The remodeled Cardio Gym has the latest exercise equipment. A very pet-friendly community, there is a fenced dog park with covered seating. There are hobby studios, and a wood shop for the exclusive use of the residents. Activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Close to beaches, transportation, shopping, entertainment, and fine dining. All room sizes, floor plans and square footage are approximate. This property is being transferred by a leasehold estate deed. Association approval is required. If financing, a 35% down payment is required.

Key facts

• Custom kitchen
• Bright florida room
• Granite countertops

Tags

• CERAMIC TILE FLOORING
• CUSTOM KITCHEN
• GRANITE COUNTERTOPS
• ELEGANT CROWN MOLDING
• UPDATED BATHROOM
• BRIGHT FLORIDA ROOM

Property features AI

Finance

• Other: Unit is unfurnished
• Financial info: Total annual fees (HOA) approximately $6,535.32; Lease restrictions apply
• HOA & community: Monthly association fee of $544.61; Association approval required; Association management is full time; Association amenities include clubhouse, fitness center, pool, spa/hot tub, sauna, tennis, pickleball, shuffleboard, golf, dog park, park, recreation facilities, storage, laundry, security, cable TV, and internet; Association fee includes pool, internet, cable TV, maintenance (structure and grounds), management, recreational facilities, security, sewer, trash, and water; Buyer approval required for community; Senior community; Pets allowed (no practical weight limit stated)

Exterior

• Parking: Assigned parking; Guest parking
• Security: Gated community; Community security included
• Utilities: Public water; Public and private sewer available; Electricity connected; Cable available; High-speed internet / fiber optics available; Phone service available; Underground utilities; Sprinkler meter and recycled sprinkler; Fire hydrant nearby; Water and sewer connected
• Home design: Condominium; 2-story building; unit on second floor; South-facing
• Construction: Block construction; Membrane and shingle roof; Brick/mortar and slab foundation; Building identified as AVILLA/41
• Exterior features: Covered porch; Balcony; Sidewalk

Interior

• Kitchen: Convection oven; Range; Microwave; Dishwasher; Disposal; Refrigerator
• Bedrooms: 1 bedroom (located on floor 2)
• Flooring: Ceramic tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heat; Electric heat; Heat pump; Central air conditioning
• Interior features: Crown molding; Stone counters; Thermostat; Double pane, insulated windows with shutters and storm windows; Window treatments; Wood window frames
• Laundry & utility: Common area laundry

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $125k.

Deal economics

• At list price, monthly cash flow is $-71 ($-856/yr) — negative.
• To cash-flow at today's rent, offer at most $112k (10.1% below list).
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $112k (10.1% below list) — sets the bar for cash-flow.
• Cap rate 5.6% vs local median 2.9% in Clearwater — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 82/100 on livability (#60 in FL, #988 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: employment C-.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Leila Davis Elementary School (math 66% / reading 69%, grade B+, #435 of 2,144 statewide, top 21%, 665 students, 35% FRL); Safety Harbor Middle School (math 45% / reading 43%, grade D, #327 of 571 statewide, top 57%, 974 students, 50% FRL); Countryside High School (math 25% / reading 45%, grade F, #379 of 667 statewide, top 58%, 1,741 students, 44% FRL).
• Market conditions: Rents soft (-2.6%/yr); 293 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 34% of the median local income ($55k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 64 days — a 6% lower offer ($117k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 11y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Watch-outs: HOA is 35% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $112,396 (10.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 64 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
3. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
9. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
10. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
11. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.24% ✓
• Cap rate: 5.61%
• Cash-on-cash: -2.45%
• DSCR: 0.89
• GRM: 6.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -25.4%
• Equity multiple: 0.17×
• Total profit: $-29,046
• Equity at exit: $18,638

10-year hold

• IRR: -48.1%
• Equity multiple: -0.36×
• Total profit: $-47,502
• Equity at exit: $10,808

Cash invested: $35,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33763

• Rents YoY: -2.6%
• Active inventory: 293
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,547 high
• Mortgage (P&I): −$656
• Tax from tax record: −$42 /mo · $507/yr
• Insurance: −$52
• HOA: −$544
• Vacancy / Maint / Mgmt: −$325
• Net cashflow: $-71

Break-even live

Break-even rent $1,638

Max offer price $112,396

Occupancy floor 100%

Sensitivity live

Price	-10% $-1	-5% $-36	+0% $-71	+5% $-107	+10% $-142
Rent	-10% $-194	-5% $-132	+0% $-71	+5% $-10	+10% $51
Rate	-1.0pp $-8	-0.5pp $-40	base $-71	+0.5pp $-104	+1.0pp $-137

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2363 Israeli Dr #67 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	26d	1	0.15mi
2460 Persian Dr #44 Clearwater, FL	2.0	2.0	1100	$1,800	$1.64	6d	1	0.16mi
2400 Franciscan Dr #44 Clearwater, FL	1.0	1.0	735	$1,200	$1.63	26d	1	0.18mi
2386 Sumatran Way #14 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	19d	1	0.29mi
2359 Finlandia Ln Clearwater, FL	2.0	2.0–20.0	1100	$1,400	$1.27	19d	2	0.36mi
2358 Ecuadorian Way #56 Clearwater, FL	2.0	2.0	1100	$1,500	$1.36	4d	1	0.37mi
2455 Finlandia Ln #67 Clearwater, FL	2.0	2.0	1100	$1,495	$1.36	13d	1	0.37mi
2456 Ecuadorian Way #42 Clearwater, FL	2.0	2.0	1100	$1,700	$1.55	6d	1	0.38mi
2262 Swedish Dr #10 Clearwater, FL	2.0	2.0	1115	$2,000	$1.79	26d	1	0.38mi
25350 US Highway 19 N Clearwater, FL	3.0	1.0–2.0	875	$1,466	$1.68	0d	34	0.41mi
2466 Ecuadorian Way #32 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	26d	1	0.41mi
2331 Finlandia Ln #53 Clearwater, FL	1.0	1.0	825	$1,345	$1.63	4d	1	0.42mi
2429 Ecuadorian Way #65 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	6d	1	0.42mi
2428 Columbia Dr #68 Clearwater, FL	2.0	2.0	1100	$1,750	$1.59	6d	1	0.44mi
2448 Columbia Dr #72 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	25d	1	0.45mi
2284 Philippine Dr #59 Clearwater, FL	2.0	2.0	1100	$1,795	$1.63	23d	1	0.46mi
2458 Columbia Dr #64 Clearwater, FL	1.0	1.0	825	$1,275	$1.55	26d	1	0.48mi
2287 Philippine Dr #29 Clearwater, FL	2.0	2.0	1070	$1,550	$1.45	4d	1	0.50mi
2287 Philippine Dr #29 Clearwater, FL	2.0	2.0	1070	$1,550	$1.45	9d	1	0.50mi
2071 Australia Way W #29 Clearwater, FL	2.0	2.0	1100	$1,525	$1.39	26d	1	0.54mi
24862 US Highway 19 N #3202 Clearwater, FL	1.0	1.0	600	$1,295	$2.16	6d	1	0.54mi
24862 U.S. 19 Unit 3202 1 Clearwater, FL	1.0	1.0	640	$1,295	$2.02	25d	1	0.56mi
2311 Brisbane St #65 Clearwater, FL	2.0	2.0	1100	$1,700	$1.55	14d	1	0.57mi
2310 Denmark St Clearwater, FL	2.0	2.0	1100	$1,550	$1.41	0d	1	0.57mi
2451 Canadian Way Clearwater, FL	2.0	1.0–2.0	1250	$1,598	$1.28	9d	2	0.59mi
2042 Australia Way W Clearwater, FL	1.0	1.0	825	$1,350	$1.64	12d	1	0.59mi
2524 Alexander Pl Clearwater, FL	1.0–2.0	1.0–2.0	948	$1,685	$1.78	0d	20	0.63mi
2433 Brazilia Dr #49 Clearwater, FL	2.0	2.0	1100	$1,750	$1.59	26d	1	0.65mi
2599 Countryside Blvd #210 Clearwater, FL	1.0	1.0	575	$1,400	$2.43	4d	1	0.69mi
2463 Brazilia Dr #61 Clearwater, FL	2.0	1.0	1100	$1,450	$1.32	26d	1	0.69mi
2464 Australia Way E #72 Clearwater, FL	1.0	1.0	1100	$1,295	$1.18	0d	1	0.70mi
2464 Australia Way E #24 Clearwater, FL	2.0	2.0	1100	$1,600	$1.45	26d	1	0.70mi
2597 Countryside Blvd #209 Clearwater, FL	1.0	1.0	575	$1,500	$2.61	6d	1	0.72mi
2583 Countryside Blvd #3103 Clearwater, FL	1.0	1.0	555	$1,400	$2.52	26d	1	0.89mi
2690 Enterprise Rd E Clearwater, FL	1.0–2.0	1.0–2.0	1051	$1,548	$1.47	0d	11	0.91mi
2005 Greenbriar Blvd #1 Clearwater, FL	2.0	2.0	930	$1,500	$1.61	6d	1	0.96mi
2031 Glass Loop Clearwater, FL	1.0–3.0	1.0–2.0	1058	$1,798	$1.70	0d	37	0.97mi
1960 Union St Clearwater, FL	2.0	2.0	996	$1,750	$1.76	0d	2	1.22mi
2760 Belle Haven Dr Unit C Clearwater, FL	2.0	1.0	682	$1,550	$2.27	18d	1	1.26mi
2760 Belle Haven Dr Clearwater, FL	2.0	1.0	682	$1,550	$2.27	6d	1	1.26mi

HOA detail condo

• Monthly dues: $544 · $6,528/yr
• Likely covers: poolgymparking
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 30 events

1. 2026-06-09
   days on market $124,999 Active 64 DOM
2. 2026-06-08
   days on market $124,999 Active 63 DOM
3. 2026-06-07
   days on market $124,999 Active 62 DOM
4. 2026-06-04
   days on market $124,999 Active 59 DOM
5. 2026-06-03
   days on market $124,999 Active 58 DOM
6. 2026-06-01
   days on market $124,999 Active 56 DOM
7. 2026-05-31
   days on market $124,999 Active 55 DOM
8. 2026-04-06
   listed $124,999 Active
9. 2025-08-08
   soldstatus $120,000
10. 2025-08-07
    soldstatus $120,000 Closed 1456-char remark

    Show marketing remark (1456 chars)

    Golf Course View. Come see this fully updated condo in this highly sought after building. This property features an open kitchen concept with granite counter tops, stainless steel appliances, wood glass cabinets, and wine storage. The Under cabinet and ceiling lighting have been updated for that new bright look. You will fall in love with this kitchen living room combo. The spacious primary bedroom has updated crown molding and closet organizer. The bathroom features updated tile, vanity and mirror. Enjoy updated windows and planation shutter throughout. This is a must see!! Assigned parking. The 55+ community has two activity centers, and two private golf courses with 9 and 18 holes, free exclusively for resident owners. There are two heated swimming pools. The remodeled Cardio Gym has the latest exercise equipment. A very pet-friendly community, there is a fenced dog park with covered seating. There are hobby studios, and a wood shop for the exclusive use of the residents. Activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Close to beaches, transportation, shopping, entertainment, and fine dining. All room sizes, floor plans and square footage are approximate. This property is being transferred by a leasehold estate deed. Association approval is required. If financing, a 35% down payment is required.

11. 2025-07-02
    status Pending 1456-char remark

    Show marketing remark (1456 chars)

    Golf Course View. Come see this fully updated condo in this highly sought after building. This property features an open kitchen concept with granite counter tops, stainless steel appliances, wood glass cabinets, and wine storage. The Under cabinet and ceiling lighting have been updated for that new bright look. You will fall in love with this kitchen living room combo. The spacious primary bedroom has updated crown molding and closet organizer. The bathroom features updated tile, vanity and mirror. Enjoy updated windows and planation shutter throughout. This is a must see!! Assigned parking. The 55+ community has two activity centers, and two private golf courses with 9 and 18 holes, free exclusively for resident owners. There are two heated swimming pools. The remodeled Cardio Gym has the latest exercise equipment. A very pet-friendly community, there is a fenced dog park with covered seating. There are hobby studios, and a wood shop for the exclusive use of the residents. Activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Close to beaches, transportation, shopping, entertainment, and fine dining. All room sizes, floor plans and square footage are approximate. This property is being transferred by a leasehold estate deed. Association approval is required. If financing, a 35% down payment is required.

12. 2025-05-23
    listed $129,900 Active 1456-char remark

    Show marketing remark (1456 chars)

    Golf Course View. Come see this fully updated condo in this highly sought after building. This property features an open kitchen concept with granite counter tops, stainless steel appliances, wood glass cabinets, and wine storage. The Under cabinet and ceiling lighting have been updated for that new bright look. You will fall in love with this kitchen living room combo. The spacious primary bedroom has updated crown molding and closet organizer. The bathroom features updated tile, vanity and mirror. Enjoy updated windows and planation shutter throughout. This is a must see!! Assigned parking. The 55+ community has two activity centers, and two private golf courses with 9 and 18 holes, free exclusively for resident owners. There are two heated swimming pools. The remodeled Cardio Gym has the latest exercise equipment. A very pet-friendly community, there is a fenced dog park with covered seating. There are hobby studios, and a wood shop for the exclusive use of the residents. Activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Close to beaches, transportation, shopping, entertainment, and fine dining. All room sizes, floor plans and square footage are approximate. This property is being transferred by a leasehold estate deed. Association approval is required. If financing, a 35% down payment is required.

13. 2021-04-27
    soldstatus $106,500
14. 2021-04-16
    soldstatus $106,500 Closed 1754-char remark

    Show marketing remark (1754 chars)

    Beautifully updated condo available in On Top of the World!! One of the longest standing favorite 55+ communities in Clearwater, Florida. Just minutes away from the Gulf of Mexico, downtown Dunedin, Clearwater Beach and Countryside Mall just to mention a few of North Pinellas County's main attractions. This particular condo location is right next to the golf course, and a short distance to the main recreational center. In this condo you'll enjoy 1 bedroom and 1 bath, 800sf, with NEW KITCHEN, Whirlpool stainless steel appliances, California closets, newer tile flooring, updated bath, HVAC 2017, newer windows, with plantation shutters on every window and recessed lighting throughout the living room and kitchen. This condo is move-in ready and ready to make your own!! This 2nd floor condo is close to the community laundry (you can install your own laundry hook ups if you'd like) and has a wonderful spacious floor plan and location in the community offering everything you are looking for. Whether you are retiring, investing or looking for a cost effective 2nd home, On Top of the World is the place to be with lake access with a fishing pier, two activity centers, two private golf courses with 9 and 18 holes (free exclusively for resident owners). There are two swimming pools; one is heated. The recently remodeled Cardio Gym has the latest exercise equipment. There are hobby studios, a dog park and many other amenities for the exclusive use of the residents. Outdoor activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Schedule your private showing for this fantastic condo in Clearwater Florida today!!

15. 2021-03-23
    status Pending 1754-char remark

    Show marketing remark (1754 chars)

    Beautifully updated condo available in On Top of the World!! One of the longest standing favorite 55+ communities in Clearwater, Florida. Just minutes away from the Gulf of Mexico, downtown Dunedin, Clearwater Beach and Countryside Mall just to mention a few of North Pinellas County's main attractions. This particular condo location is right next to the golf course, and a short distance to the main recreational center. In this condo you'll enjoy 1 bedroom and 1 bath, 800sf, with NEW KITCHEN, Whirlpool stainless steel appliances, California closets, newer tile flooring, updated bath, HVAC 2017, newer windows, with plantation shutters on every window and recessed lighting throughout the living room and kitchen. This condo is move-in ready and ready to make your own!! This 2nd floor condo is close to the community laundry (you can install your own laundry hook ups if you'd like) and has a wonderful spacious floor plan and location in the community offering everything you are looking for. Whether you are retiring, investing or looking for a cost effective 2nd home, On Top of the World is the place to be with lake access with a fishing pier, two activity centers, two private golf courses with 9 and 18 holes (free exclusively for resident owners). There are two swimming pools; one is heated. The recently remodeled Cardio Gym has the latest exercise equipment. There are hobby studios, a dog park and many other amenities for the exclusive use of the residents. Outdoor activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Schedule your private showing for this fantastic condo in Clearwater Florida today!!

16. 2021-03-20
    status Pending 1754-char remark

    Show marketing remark (1754 chars)

    Beautifully updated condo available in On Top of the World!! One of the longest standing favorite 55+ communities in Clearwater, Florida. Just minutes away from the Gulf of Mexico, downtown Dunedin, Clearwater Beach and Countryside Mall just to mention a few of North Pinellas County's main attractions. This particular condo location is right next to the golf course, and a short distance to the main recreational center. In this condo you'll enjoy 1 bedroom and 1 bath, 800sf, with NEW KITCHEN, Whirlpool stainless steel appliances, California closets, newer tile flooring, updated bath, HVAC 2017, newer windows, with plantation shutters on every window and recessed lighting throughout the living room and kitchen. This condo is move-in ready and ready to make your own!! This 2nd floor condo is close to the community laundry (you can install your own laundry hook ups if you'd like) and has a wonderful spacious floor plan and location in the community offering everything you are looking for. Whether you are retiring, investing or looking for a cost effective 2nd home, On Top of the World is the place to be with lake access with a fishing pier, two activity centers, two private golf courses with 9 and 18 holes (free exclusively for resident owners). There are two swimming pools; one is heated. The recently remodeled Cardio Gym has the latest exercise equipment. There are hobby studios, a dog park and many other amenities for the exclusive use of the residents. Outdoor activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Schedule your private showing for this fantastic condo in Clearwater Florida today!!

17. 2021-03-13
    listed $105,000 Active 1754-char remark

    Show marketing remark (1754 chars)

    Beautifully updated condo available in On Top of the World!! One of the longest standing favorite 55+ communities in Clearwater, Florida. Just minutes away from the Gulf of Mexico, downtown Dunedin, Clearwater Beach and Countryside Mall just to mention a few of North Pinellas County's main attractions. This particular condo location is right next to the golf course, and a short distance to the main recreational center. In this condo you'll enjoy 1 bedroom and 1 bath, 800sf, with NEW KITCHEN, Whirlpool stainless steel appliances, California closets, newer tile flooring, updated bath, HVAC 2017, newer windows, with plantation shutters on every window and recessed lighting throughout the living room and kitchen. This condo is move-in ready and ready to make your own!! This 2nd floor condo is close to the community laundry (you can install your own laundry hook ups if you'd like) and has a wonderful spacious floor plan and location in the community offering everything you are looking for. Whether you are retiring, investing or looking for a cost effective 2nd home, On Top of the World is the place to be with lake access with a fishing pier, two activity centers, two private golf courses with 9 and 18 holes (free exclusively for resident owners). There are two swimming pools; one is heated. The recently remodeled Cardio Gym has the latest exercise equipment. There are hobby studios, a dog park and many other amenities for the exclusive use of the residents. Outdoor activities include fitness classes, dancing, clubs, cards, billiards, entertainment, classes, and much more. The on-site Good Karma Café has take & bake meals and snacks. Schedule your private showing for this fantastic condo in Clearwater Florida today!!

18. 2019-02-01
    soldstatus $69,900
19. 2017-04-19
    soldstatus $61,000
20. 2017-04-07
    soldstatus $61,000 Sold
21. 2017-02-22
    status Pending
22. 2017-02-15
    listed $65,500 Active
23. 2015-07-28
    soldstatus $35,900
24. 2015-07-17
    soldstatus $35,900 Sold
25. 2015-06-11
    status Pending
26. 2015-05-30
    price $35,900
27. 2015-05-27
    price $39,900
28. 2015-05-05
    listed $42,900 Active
29. 2004-07-07
    soldstatus $48,500
30. 2000-03-08
    soldstatus $25,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $507 · $42/mo
• Projected year-2 tax: $1,037 · $86/mo
• Expected delta: +$531/yr (+$44/mo · 104.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (shaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 6 d/yr ≥107°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,570
• − Mortgage interest: −$7,002
• − Property taxes: −$507
• − Insurance: −$625
• − Repairs & maintenance: −$1,486
• − Management: −$1,486
• − HOA: −$6,528
• − Depreciation: −$3,636
• Taxable loss: −$2,700
• Est. tax savings @ 24.0%: +$648
• After-tax cash flow: $-208/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — Clearwater

• Score: 82/100
• State rank: #60
• US rank: #988

Category grades

Amenities B Commute A+ Cost of living A- Crime B+ Employment C- Housing A+ Health & safety A+ User ratings C-

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Pinellas County · 939,478 people
• City population: 170,933
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 21,146
• Household income: $54,794
• Rent vs Own: 27.6% rent · 72.4% own
• Severe rent burden: 753.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Hispanic / Latino 17% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 3% Cuban 1%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 15% · Canada, Jamaica, Vietnam
• Languages at home: 81% English-only · Spanish 10% Other Indo-European 3% Russian/Polish/Slavic 1%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -439.90%
• Current HPI: 265.3099
• Rent YoY: ▼ -2.63%
• Metro: Tampa-St. Petersburg-Clearwater, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+400.0% since first listed

23 events — show timeline

• 2026-04-06 Listed $124,999 Stellar MLS as Distributed by MLS Grid
• 2025-08-08 Sold (Public Records) $120,000 Public Records
• 2025-08-07 Sold (MLS) $120,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-05-23 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2021-04-27 Sold (Public Records) $106,500 Public Records
• 2021-04-16 Sold (MLS) $106,500 Stellar MLS as Distributed by MLS Grid
• 2021-03-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-03-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-03-13 Listed $105,000 Stellar MLS as Distributed by MLS Grid
• 2019-02-01 Sold (Public Records) $69,900 Public Records
• 2017-04-19 Sold (Public Records) $61,000 Public Records
• 2017-04-07 Sold (MLS) $61,000 Stellar MLS as Distributed by MLS Grid
• 2017-02-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-02-15 Listed $65,500 Stellar MLS as Distributed by MLS Grid
• 2015-07-28 Sold (Public Records) $35,900 Public Records
• 2015-07-17 Sold (MLS) $35,900 Stellar MLS as Distributed by MLS Grid
• 2015-06-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-05-30 Price Changed $35,900 Stellar MLS as Distributed by MLS Grid
• 2015-05-27 Price Changed $39,900 Stellar MLS as Distributed by MLS Grid
• 2015-05-05 Listed $42,900 Stellar MLS as Distributed by MLS Grid
• 2004-07-07 Sold (Public Records) $48,500 Public Records
• 2000-03-08 Sold (Public Records) $25,000 Public Records

Property tax history

-1.8%/yr

Latest (2025): $507 · +5.5% YoY. Source: county tax records.