On Top of the World Clearwater
Clearwater, Pinellas County
55+ community · Gated, guarded
One of the largest and most well-known active adult communities in the Tampa Bay area, On Top of the World (OTOW) spans over 5,200 condo homes on a sprawling campus off Belcher Road in Clearwater — about 20 minutes from Clearwater Beach and 30 minutes from downtown Tampa.
107 homes for sale right now, at a median asking price of $168,000. Association dues run about $553 a month.
Map data © OpenStreetMap contributorsAmenities and daily life
Founded in 1947 by a family-owned company, OTOW has a small-city feel: over 175 resident clubs and organizations, two activity centers, an 18-hole golf course (free for residents), heated pools, tennis courts, a fitness center, hobby shops, a coffee shop, and a continuous schedule of concerts, dances, theatre performances, and social events. The scale and social infrastructure make it one of the most active and connected communities in the region, but the buildings vary in age and condition, so unit-by-unit inspection is important.Full-time activities director. Numerous clubs and interest groups. Regular social events, dances, and entertainment.
29 amenities on site
- Pools
- Outdoor heated pool; year-round access
- Fitness
- Fitness center with equipment; exercise classes available
- Dining on site
- On-site restaurant/cafe (unconfirmed current status)
- Clubhouse
- Large main clubhouse — exact sqft not publicly listed but extensive multi-room facility
- Also here
- one of the largest 55+ communities in Pinellas County · arts & crafts rooms · walking trails · proximity to Clearwater Beach
27
holes
Golf: private (residents); free for owners
Free golf for resident homeowners — one of the most affordable golf communities in Tampa Bay.
Membership and green fees vary by course and change often. Ask the club for current rates before you budget.
What's nearby
On Top of the World Clearwater is 32 min from the airport, in Clearwater, Pinellas County. Here's how long the drives you'll make most actually take.
Drive times from On Top of the World Clearwater
Approximate drive, closest first, all on the same 0–60 minute scale.
- Nearest hospitalMorton Plant Hospital8 min · 4 mi
- Nearest beachClearwater Beach10 min · 5 mi
- Downtown Tampa30 min · 22 mi
- Downtown St. Pete30 min · 22 mi
- Tampa International (TPA)32 min · 19 mi
What’s close by
Pick what matters to you: groceries, doctors, a beach. Tap Route on any place for the actual drive.
Grocerywithin about 3 miles
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Medicalwithin about 3 miles
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Places, ratings and photos are live from Google. Distances are straight-line from the community center; tap Route for the actual drive.
Places we like nearby
Homes for sale
107 condos listed right now, newest first.
Each price is a home for sale. Tap one to open it.
- Homes for sale
- 107
- Median asking
- $168,000
- Closed sales
- 202
- Median sold price
- $140,000
46
88
44
29
49
36Closed sales from October 1, 2025–September 30, 2026. Matched to the community's MLS subdivision names and location.
| Home type | For sale now | Closed sales | Median sold |
|---|---|---|---|
| Condos | 107 | 202 | $140,000 |
Home types are classified by the listing agent. Closed-sale figures use the period shown above; small samples may not represent typical pricing.
Counted from every MLS listing whose subdivision name contains “On Top”. Stellar records one community under many plat names, so this is the closest attribution we can make.
Based on information submitted to the MLS GRID as of Oct 10, 2026, 3:49 AM EDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
HOA dues
See what the dues include, how they vary by home type, and where to check the exact amount for a property.
Monthly association dues
$553
Median of 77 listings. All reported association fees combined.
MLS costs by home type
| Home type | Association dues / month |
|---|---|
| Condos | $55377 listings |
Listing-reported amounts, grouped by home type. Fewer than three reports is a small sample, not a typical community fee.
What the dues include: Most listings that say what the dues cover list water, sewer, trash, the pools, grounds maintenance and cable TV.
MLS data updated Oct 10, 2026, 3:53 AM EDT. 77 active listings examined (up to 100). Fees vary by association, lot and home type. Ask for the current budget, fee schedule and any special assessments for the address you choose.
Nearby 55+ communities
The closest alternatives to On Top of the World Clearwater, side by side. Distances are straight-line from the community center.
| Community | Distance | For sale | Median asking | Homes |
|---|---|---|---|---|
| On Top of the World Clearwaterthis guide | — | 107 | $168K | 5,277 |
| Villas of Lake ArborClearwater | 0.4 mi | 3 | $329K | 121 |
| Village on the GreenClearwater | 0.9 mi | 10 | $212K | 448 |
| Scotsdale Cluster CondominiumsDunedin | 1.5 mi | 3 | $345K | 148 |
| Heather Hills VillasDunedin | 2 mi | 3 | $200K | 64 |
- Villas of Lake Arbor0.4 mi
- For sale
- 3
- Median
- $329K
- Homes
- 121
- Village on the Green0.9 mi
- For sale
- 10
- Median
- $212K
- Homes
- 448
- Scotsdale Cluster Condominiums1.5 mi
- For sale
- 3
- Median
- $345K
- Homes
- 148
- Heather Hills Villas2 mi
- For sale
- 3
- Median
- $200K
- Homes
- 64
Community website and activities
Community information
Association documents, resident services and community contacts.
On Top of the World Clearwater official websiteActivities and events
See what is happening in the community, from clubs and classes to social events.
A public events calendar has not been verified. Some communities keep event details in a resident portal.
Flood zones
What FEMA says about the homes for sale in On Top of the World Clearwater right now. Zones change from one property to the next.
Checking 77 more.
- Minimal (Zone X)
- Moderate (shaded X)
- High (A zones)
- Extreme (V zones)
Reported on current MLS listings: FEMA flood zone X on 71 of 77 and X500 on 6 of 77 current listings. Zone X is outside FEMA's high-risk area, so flood insurance is optional, though still worth pricing.
Each dot is a home for sale, colored by the FEMA zone at its address. Tap one to open it. Flood maps are a screening tool: confirm the designation for a specific address with FEMA and an insurance professional. FEMA National Flood Hazard Layer
Thinking about On Top of the World Clearwater?
In the past couple of years we’ve helped over 50 buyers relocate to Tampa Bay. We’ll talk through the dues, the resale market and whether On Top of the World Clearwater fits, or which nearby community fits you better.