On Top Of The World Homes under $400,000

On Top Of The World Homes under $400,000

Welcome to On Top Of The World, a vibrant and welcoming subdivision nestled in the heart of sunny Florida. This charming community is a hidden gem, offering an ideal blend of comfort, convenience, and an active lifestyle. With a variety of homes available for under $400,000, On Top Of The World provides an excellent opportunity for first-time buyers, retirees, and families looking to invest in a slice of paradise.

As you stroll through the picturesque streets of On Top Of The World, you’ll be captivated by the lush landscaping and friendly neighbors. This community is designed for those who appreciate both tranquility and social engagement. Residents enjoy a plethora of amenities, including a stunning clubhouse, fitness centers, and sparkling swimming pools. Whether you prefer taking a leisurely walk along the scenic trails or participating in one of the many organized activities, there’s something for everyone here.

The homes in On Top Of The World are thoughtfully designed with modern finishes and open layouts, perfect for entertaining or simply relaxing after a long day. With prices starting under $400,000, you’ll find a range of options that cater to various tastes and lifestyles, from cozy single-family homes to spacious villas.

Located just a short drive from beautiful beaches, shopping centers, and dining options, On Top Of The World is not just a place to live; it’s a lifestyle choice. Experience the warmth of this community and discover why so many are proud to call On Top Of The World home. Your dream home awaits!

Newest On Top Of The World Homes under $400,000

2291 Americus Boulevard W Unit 41, Clearwater
$255,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
2 bedroom 2 bath condo - 1325 sq. ft. Possible 3rd bedroom and/or office/den. Split floor plan. Laminated flooring throughout. Nice lake view.

2291 Americus Boulevard W Unit 41, Clearwater
2072 Australia Way W Unit 42, Clearwater
$269,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
This extensively renovated top-floor corner condo at Clearwater’s On Top of the World offers modern finishes, abundant natural light, and the convenience of move-in-ready living in an established 55+ community. With 1,400 square feet, 2 bedrooms, 2 bathrooms, and thoughtful improvements throughout, this home combines style, comfort, and functionality. The open floor plan features luxury vinyl plank flooring, modern trim, designer interior doors, and updated lighting. The redesigned kitchen offers solid wood white shaker cabinetry, quartz countertops, stainless steel appliances, extended counter space, and a breakfast bar connecting the living and dining areas. The layout provides plenty of room for both everyday living and entertaining. Both bathrooms have been completely renovated with decorative tile, contemporary vanities, updated fixtures, raised shower heads, and a linear drain in the primary shower. Additional improvements include updated electrical, recessed lighting, GFCI outlets, new ceiling fans, and modern light fixtures. Hurricane-impact, energy-efficient windows installed in 2024 and a 2022 HVAC system with humidity control add comfort and efficiency. A standout feature is the spacious Florida room overlooking manicured grounds and a quiet courtyard. Sliding barn doors separate this versatile space from the primary bedroom, making it ideal for a home office, sitting room, hobby area, or private retreat. An association-approved washer and dryer hookup in the bedroom closet eliminates the need to use community laundry facilities. Assigned parking near the building and ample guest parking provide additional convenience. On Top of the World offers an impressive range of amenities and activities designed for an active lifestyle. Residents enjoy two private golf courses, two swimming pools, tennis and pickleball courts, bocce ball, shuffleboard, and a remodeled fitness center. Two activity centers host a variety of clubs and social events. The community also features dog parks, walking areas, a fishing dock, and kayak storage.

2072 Australia Way W Unit 42, Clearwater
10133 Sw 89th Loop, Ocala
$398,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
PRIVATE POOL HOME ON AN OVERSIZED LOT IN AVALON 4! Discover the perfect blend of comfort, flexibility, and Florida living in this 3-bedroom, 2-bath home with a 2.5-car garage featuring a golf cart offset, conveniently located near the amenities of On Top of the World. From the moment you arrive, you'll appreciate the beautiful curb appeal, highlighted by a paver driveway, raised landscape beds, and a welcoming covered front porch with space to sit and relax. Inside, the thoughtfully designed floor plan offers plenty of room to spread out. Just off the entry, a versatile flex room with barn doors is ideal for a home office, craft room, or hobby space. Two guest bedrooms and a guest bathroom are conveniently located on the opposite side of the entry. The main living areas feature tile flooring, while two solar tubes fill the living room with natural light. The primary suite also features tile flooring and offers direct access to the pool area, making it easy to enjoy your own backyard retreat. Just off the dining room, an enclosed Florida room provides an additional living space perfect for relaxing, entertaining, or enjoying views of the outdoors. Step outside and experience one of this home's standout features?a private swimming pool surrounded by a screened birdcage enclosure, offering plenty of space to lounge, entertain, or simply enjoy Florida's beautiful weather. A roof-mounted solar pool heating system adds to the pool's appeal, while the oversized privacy lot creates a wonderful setting for outdoor enjoyment. Rectangle Lawn Ornament between plants at front of home does not convey. Whether you're enjoying a quiet morning on the covered front porch, relaxing in the Florida room, or spending the afternoon poolside, this home offers multiple spaces to enjoy the Florida lifestyle. With its desirable Avalon 4 location and convenient access to On Top of the World's amenities, this property is ready to welcome you home. Schedule your private showing today!

10133 Sw 89th Loop, Ocala
9312 Sw 93rd Circle, Ocala
$345,500
3 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Elegant Golf Course Living for Active 55+ Adults located centrally in the community close to amenities, on a quiet tree lined street! Welcome to this beautifully expanded Danbury Model single-family home, offering 2,378 sq. ft. of comfortable living space and 3,305 sq. ft. under roof, situated on the 10th hole of the private Tortoise & Hare golf course. Designed with a spacious and open floor plan, this home features 3 bedrooms (including a peaceful split-bedroom layout), Flex room, 2 full baths, and a 2-car garage extended by 4 feet for extra storage. Ideal for entertaining or relaxing, the large kitchen (with gas tap behind the current electric range) opens to a bright family room overlooking the lush golf course greens—perfect for enjoying your morning coffee or watching spectacular sun sets after a day on the course. The separate living and dining rooms with crown molding offer plenty of space for hosting friends and family. Updates and features you’ll appreciate include a new roof (2021), modern HVAC system (2024), plantation shutters throughout, hurricane shutters, and a whole-house GENERAC generator—ensuring comfort and peace of mind year-round. Beautiful hand scraped hickory hardwood floors welcome you inside the stunning beveled glass entry door. The generous primary suite spans the entire right side of the home, boasting a spa-like bath with a soaking tub, step-in shower, dual sink vanity, and dual closets for ample storage. Enjoy serene golf course views right from the bedroom window. Additional highlights include two comfortable guest bedrooms with private bath, Flex room with French doors, an inside laundry room, and a spacious garage with extra length, storage space, a whole-house attic fan, and side access door. Step outside to the 3-season lanai with tiled flooring and the outside paver patio—perfect for relaxing or entertaining while taking in the tranquil golf course surroundings. The curb appeal is accentuated by the custom paver driveway and front walk, garage door screens, and concrete landscape curbing around the perimeter of the home. This home offers a wonderful lifestyle for active adults wanting to embrace golf course living, very active community, and comfort all in one. The monthly HOA fee includes Basic Spectrum Cable, roof repair & maintenance, exterior painting every seven years, exterior maintenance and insurance, landscaping, trash & recycling, 24/7 monitored gates and what seems like endless amenities; four pools (3 outside (THE SUMMIT IS BRAND NEW) & 1 inside), two state of the art fitness centers, pickleball (uncovered & covered), billiards, archery range, multiple dog parks, corn hole, bocce ball, tennis, shuffleboard, horse shoes, remote control flying field and race cars, 175+ clubs, woodworking shop (extra fee), library, and much, much more! A golf cart community with access to several shopping centers. Centrally located 20 minutes from the World Equestrian Center, easy drive to 4 cruise ports and/or airports, and within a close proximity to entertainment complexes in Orlando.

9312 Sw 93rd Circle, Ocala
2020 World Parkway Boulevard Unit 8, Clearwater
$99,000
1 Beds ⋅ 1 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
MOTIVATED SELLER- BRING ALL OFFERS! First-Floor 1-Bedroom Condo in Desirable 55+ Active Adult Community! Enjoy easy Florida living in this charming first-floor, 1-bedroom, 1-bath condo nestled in a vibrant 55+ community offering an abundance of amenities, activities, and opportunities to connect. Thoughtfully updated and conveniently located, this inviting home offers a wonderful combination of comfort, convenience, and low-maintenance living. A welcoming and spacious living room, where a large window fills the area with natural light. The recently remodeled bathroom adds fresh appeal, while the generously sized bedroom opens directly to a versatile Florida room—perfect for a home office, reading nook, hobby space, or additional sitting area. . A front patio offers additional outdoor space, and a convenient combination washer and dryer is tucked away in a closet off the Florida room. A dedicated parking space located directly in front of the unit makes everyday living easy and convenient. Location is another standout feature! Situated near the Sunset Point Road entrance, this condo is just steps from the community clubhouse and pool. Enjoy an amenity-rich lifestyle featuring a fitness center, exercise classes, social clubs, a heated swimming pool, an on-site café, and a full calendar of community activities. Whether you're looking for a full-time Florida residence or a seasonal getaway, this inviting condo offers updated interiors, flexible living space, private outdoor areas, convenient parking, and an engaging community lifestyle.

2020 World Parkway Boulevard Unit 8, Clearwater
2378 Ecuadorian Way Unit 22, Clearwater
$150,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Morning golf, an afternoon by the pool and dinner with friends. At On Top of the World, there’s plenty to fill your calendar, and this spacious end unit gives you a comfortable place to come home to. ----- Located on the second floor, this two-bedroom, two-bath condominium offers 1,400 square feet with a living and dining room combination that makes gathering easy. Invite friends for cards, share a meal or host visiting family. The kitchen features a brand-new full appliance package, ready for everything from everyday meals to your next gathering. The additional bonus room, accessible from both the kitchen and primary bedroom, overlooks beautiful green space. It’s a lovely spot for morning coffee, a favorite hobby, a home office or a quiet afternoon between plans. ----- This active, pet-friendly 55+ Clearwater community offers more than 175 clubs, classes and activities, giving you plenty of ways to enjoy familiar interests, try something new and get to know your neighbors. Amenities include two swimming pools, fitness facilities, tennis and pickleball courts, lawn bowling, shuffleboard and a dog park. Residents also enjoy nine-hole and 18-hole golf courses with no additional greens fees. ----- Whether you’re making Florida your full-time home or looking for a seasonal retreat, this home offers room to settle in, welcome good company and enjoy a community with plenty to do. ----- Leasehold condominium. Cash purchase and association approval required.

2378 Ecuadorian Way Unit 22, Clearwater
8618 Sw 91st Place Unit D, Ocala
$185,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Welcome to this exceptionally clean and beautifully updated 2-bedroom, 2-bath Philadelphian villa in On Top of the World, offering 1,375 sq. ft. of comfortable, easy-care living. Thoughtfully maintained, this home has many of the improvements buyers are looking for already completed. The updated kitchen features new cabinetry, granite countertops and newer appliances, while updated flooring creates a fresh, cohesive feel throughout. Both bathrooms have been updated, including the shower in the primary bath. The enclosed lanai adds valuable living space, perfect for relaxing, entertaining or creating a comfortable flex space. Just beyond, a screened room overlooking the backyard offers another inviting place to enjoy Florida living. Major improvements include a 2021 roof, 2020 HVAC and 2015 windows, offering added peace of mind. The 1.5-car garage features additional cabinetry for convenient storage, giving you plenty of room to keep things organized. Beyond the home, enjoy everything that makes On Top of the World such a popular 55+ community, with swimming pools, fitness centers, golf, pickleball, tennis, walking trails, clubs, classes, entertainment and plenty of opportunities to stay active and social. Everyday conveniences are close by, too, with Publix, shopping, restaurants, pharmacies, medical offices and healthcare services all easily accessible by golf cart. With so many big-ticket updates already completed, this move-in-ready villa offers a wonderful combination of comfort, convenience and the On Top of the World lifestyle. Move in, settle in and start enjoying it!

8618 Sw 91st Place Unit D, Ocala
8683 Sw 93rd Lane Unit D, Ocala
$204,990
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Here is an extended Bostonian you will not want to miss! Relax and enjoy your retirement in a large, open home where everything has been done for you. There are no neighbors in front as you enjoy the large front porch and park like views. Walk in through the front door and you will see a lovely living room/dining room combo. The generous master en suite and spare bedroom is off of this room. Continue further into the home and you will see the open kitchen and great room. The kitchen has so many cabinets, you will have problems filling them all. A cooks dream! Beyond there is the bonus/sitting room, where the backyard views are stunning. There is a porch off the back for you to enjoy quiet time in nature. This home has style! Roof 2018, HVAC 2026, newer hot water heater, newer kitchen cabinets, 2 solar tubes, newer windows, new guest bathroom toilet, new clothes dryer, new outdoor fitures and ceiling fans in every room. Make your appointment today!

8683 Sw 93rd Lane Unit D, Ocala
8847 Sw 104th Circle, Ocala
$394,788
3 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Some homes simply have to be experienced—and this extraordinary Ariana is one of them! Beautiful sunsets, peaceful views, and designer touches throughout make this 2020-built home an exceptional opportunity. Built for entertaining and thoughtfully upgraded for everyday comfort, it offers two bedrooms plus a versatile flex room, two beautifully appointed bathrooms, a 3-car tandem garage, and an incredible bonus sunroom—all for less than $400,000! The open living and dining areas flow into a stunning kitchen featuring quartz countertops, stainless steel appliances, and a gorgeous backsplash. From intimate dinners to lively gatherings, this home makes entertaining feel effortless. The split floor plan provides privacy for the primary suite, creating a relaxing retreat with an upgraded en suite bath and a completed California Closet system. The spacious laundry room connects directly to the primary suite and includes a washer and dryer, abundant storage, a large utility sink, and additional California Closet organization. The versatile flex room offers space for a home office, mancave, creative studio, or hobbies. A true standout is the bonus 320-square-foot sunroom with heating and air conditioning, hurricane windows, blinds, and abundant natural light. Create a second living room, game room, craft space, or home office while enjoying peaceful views of open green space and the retention pond. Step outside to the separate screened lanai, where beautiful sunsets provide the backdrop for relaxing evenings overlooking the fenced backyard. The outdoor grilling patio adds another inviting setting for casual meals and gatherings with friends. The 3-car tandem garage includes a 4-foot extension and a Lifestyle garage door screen, providing generous space for vehicles, a golf cart, storage, and projects. A widened driveway and the home’s position farther back on the lot add parking convenience. Located in On Top of the World in Ocala, this home comes with a lifestyle worth celebrating. Enjoy swimming, pickleball, tennis, fitness activities, walking trails, clubs, cards, creative pursuits, and lifelong learning. Golf, dining, entertainment, and community gatherings offer even more ways to enjoy your days and connect with friends. The HOA package adds convenience with lawn care, internet, exterior painting every seven years, roof care for 25 years, trash service, common-area maintenance, community amenities, and HOA-provided insurance coverage. Owners carry their own condo insurance policy—giving you more time to enjoy your home and the Florida lifestyle. Owner financing is available with 50% down, subject to mutually agreed terms. The motivated seller is flexible, creative, and welcomes all offers. BUYER INCENTIVE: Qualified buyers may receive a lender-paid, one-year interest rate buydown—one percentage point below the note rate during the first year—with an eligible Conventional or FHA purchase loan for a primary residence. Ask for complete details and qualification requirements. Photos include actual property photographs and AI-generated, virtually staged images illustrating furnishing possibilities. Virtual furnishings are for illustration. This Ariana is anything but ordinary. Come experience the views, the upgrades, the entertaining spaces, and the exceptional value for yourself. Schedule your private showing today—your next chapter could begin here!

8847 Sw 104th Circle, Ocala
8519 Sw 91st Street Unit F, Ocala
$199,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
END-UNIT AUGUSTA VILLA | 2 BEDROOMS + LARGE DEN | UPDATED THROUGHOUT Enjoy spacious living in this Augusta model, the largest villa floor plan, featuring 2 bedrooms, 2 bathrooms, a large den, and an oversized 2-car garage. Wood trim around doors, fresh interior paint, new luxury vinyl plank flooring in common areas , and new lighting fixtures and ceiling fans create a fresh, inviting feel. The generous great room and dining area feature a vaulted ceiling, and bay window that brings in abundant natural light, adding to the home's open, airy feel. Built-in bookshelves make the large den ideal for a home office, craft room, or reading retreat. The kitchen offers a spacious pantry and appliances replaced in July 2026. An extended, enclosed Florida room connects to the kitchen at the same floor level and is under air conditioning, expanding the home's living and entertaining space. The primary suite features a walk-in closet and an ensuite bathroom with a double-sink vanity. The split-bedroom layout provides privacy, with the guest bedroom located away from the primary suite and conveniently beside the second bathroom. Additional updates include a 2021 roof, a 2022 water heater, and a 2020 Tempstar 3.5-ton, 14-SEER heat pump. With its generous layout, updated finishes, and desirable end-unit location, this Augusta villa offers plenty of room to relax, entertain, and enjoy!

8519 Sw 91st Street Unit F, Ocala
2426 Persian Drive Unit 64, Clearwater
$135,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Don’t miss this beautifully furnished, move-in-ready condo! This charming condo features two completely furnished bedrooms, thoughtfully decorated with elegance and flair, making it easy to settle in and start enjoying the Florida lifestyle right away. The bright Florida room provides the perfect setting for a lovely dining area, with plenty of space to relax, entertain, or simply unwind while enjoying the sunshine. Recent updates include replacement windows in 2013 and a new A/C system installed in 2021, giving you added comfort and peace of mind. Best of all, there’s nothing left to do but move in and enjoy everything On Top of the World’s 55+ community has to offer. Residents can take advantage of an incredible array of amenities, including two heated pools, 9- and 18-hole golf courses, a state-of-the-art fitness center, billiards, sauna, jacuzzi, lapidary and ceramics facilities, and so much more. With a wide variety of clubs and activities, there’s always something to look forward to. Enjoy Monday night bingo, social dances, entertaining shows, and even opportunities to take the stage and share your own talents! Come discover the joy of living your best life in this wonderfully maintained, thoughtfully designed community. Move in, make yourself at home, and start enjoying everything this exceptional lifestyle has to offer!

2426 Persian Drive Unit 64, Clearwater
2220 Swedish Drive Unit 56, Clearwater
$184,750
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Step into this light-filled 2-bedroom, 2-bath condo on the West Side of Clearwater’s highly desirable On Top of the World 55+ Golf Community. This Eldorado model is Located on the second floor, as you walk in this home immediately impresses with its Vaulted ceilings, Updated HURRICANE Impact resistant windows creating a bright, open, and airy atmosphere. Vinyl plank flooring throughout adds a clean, modern finish. The spacious gathering room is ideal for relaxing or entertaining, enhanced by updated windows that flood the space with natural light. The TV is already mounted for your convivence, The kitchen includes a new refrigerator, and the convenience continues with an in-unit washer and dryer. The 2017 A/C offers reliable comfort and peace of mind. The primary bedroom features an en' suite bath with a bidet, providing privacy and comfort. Just outside your front door, enjoy a charming sitting area—perfect for morning coffee or evening breezes—along with beautiful views that make this location feel special. BRING ALL REASONABLE OFFERS. Additional storage in the core of the building gives you extra room for seasonal items or personal belongings. Situated on the west side of the community, you’ll appreciate being close to Harbor Lake, scenic walking trails, the dog park and all the amenities that make OTOW such a sought-after lifestyle—golf, clubs, activities, and more. If financing 35% down is required. Proof of Funds for Cash

2220 Swedish Drive Unit 56, Clearwater
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