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 located in the heart of sunny Florida. This exceptional community is designed for those seeking an active lifestyle while enjoying the comforts of modern living. Nestled amidst lush landscapes and scenic views, On Top Of The World offers an array of amenities that cater to residents of all ages.

One of the standout features of this charming community is its affordability. With homes priced under $400,000, prospective buyers can find their dream residence without breaking the bank. These thoughtfully designed homes are perfect for first-time buyers, retirees, or anyone looking to enjoy a laid-back Florida lifestyle. From cozy single-family homes to spacious villas, there's something to suit every taste and need.

Residents of On Top Of The World enjoy a plethora of amenities, including recreational facilities, walking trails, and community pools, all designed to foster a sense of connection among neighbors. The community also hosts a variety of social events and activities, ensuring that there's always something happening to keep you engaged and entertained.

Conveniently located near shopping, dining, and entertainment options, On Top Of The World offers the ideal blend of tranquility and accessibility. Whether you’re looking to relax by the pool, take a stroll through the beautifully landscaped parks, or join in on community events, this subdivision truly embodies the essence of Florida living.

Discover your new home in On Top Of The World, where comfort meets community, and the possibilities are endless!

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

2386 Sumatran Way Unit 44, Clearwater
$125,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
This well-maintained 2BR/2BA unit on the 2nd floor is move in ready. The unit features updated windows in the Florida Room and Master bathroom, a washer/dryer, and the AC was replaced in 2021. The kitchen has an updated built in oven, extra cabinets and counter tops and a dual basin stainless steel sink. 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 swimming pools; one is heated. 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, 35% down is required.

2386 Sumatran Way Unit 44, Clearwater
8650 Sw 95th Street, Ocala
$149,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Welcome to this charming and well-maintained 2-bedroom, 2-bathroom villa located in the desirable Friendship Village neighborhood of On Top of the World. The interior features a bright, open-concept living room and dining room areas with a comfortable blend of carpet and luxury vinyl plank flooring throughout. Alongside a large kitchen equipped with stainless steel appliances and a flexible space perfect for a home office or extra storage. Retreat to the spacious primary bedroom suite with an expansive walk-in closet and an en-suite bath. Unwind year-round in the enclosed back lanai with windows and enjoy the convenience of a 1.5-car tandem garage and a large front porch. Situated in a premier 55+ active-adult community, this move-in-ready villa offers effortless low-maintenance living.

8650 Sw 95th Street, Ocala
2435 Sumatran Way Unit 9, Clearwater
$219,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Welcome to this beautifully maintained 2-bedroom, 2-bath condominium in the highly sought-after Clearwater community of On Top of the World. This turnkey residence is being offered fully furnished, making it the perfect opportunity for year-round living, a seasonal retreat, or an effortless move-in experience. Step inside to discover a freshly painted interior complemented by luxury vinyl plank flooring installed throughout with soundproofing underlayment, providing both comfort and peace of mind. The spacious floor plan offers an inviting atmosphere with abundant natural light and tastefully updated finishes. Agent has all condo documents please reach out for copies The kitchen is equipped with modern conveniences, including a refrigerator and microwave protected by individual surge protectors. It also has a grandfather approved washer and dryer in the primary bedroom closet. Significant mechanical and structural improvements provide exceptional value, including: Air conditioning system replaced in 2023 and updated with surge protector both on inside and outside units Renovated guest and primary bathroom Updated windows Impact-rated exterior doors Structural inspection completed Enjoy the confidence that comes with major upgrades already completed, offering enhanced energy efficiency, storm protection, and long-term durability. Conveniently located near shopping, dining, golf courses, and beaches, this meticulously maintained residence combines comfort, safety, and convenience in one exceptional package. Don't miss this rare opportunity to own a fully furnished, move-in-ready home with extensive upgrades and peace-of-mind improvements already in place! Seller is including 1 year home warranty with Choice Home Warranty.

2435 Sumatran Way Unit 9, Clearwater
9157 Sw 82nd Terrace Unit B, Ocala
$174,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Updated Villa in On Top of the World! This inviting home features fresh interior paint, updated flooring, replacement windows throughout, both bathrooms renovated. Wood flooring enhances the living and dining areas, while the kitchen offers ample cabinetry and counter space, a decorative backsplash, and an adjoining breakfast area. Enjoy year-round comfort in the enclosed, air-conditioned Florida room, plus a separate screened patio overlooking the backyard. Additional features include a covered front porch and an attached garage with extra storage. On Top of the World offers an active lifestyle with pools, fitness centers, classes, pickleball, tennis, softball, mini golf, walking and biking paths, clubs, and social activities. Championship golf is available for an additional fee. Golf cart paths provide access to community amenities and select shopping and dining. Convenient to hospitals, medical offices, restaurants, and shopping. Enjoy comfortable Florida living in this well-maintained villa!

9157 Sw 82nd Terrace Unit B, Ocala
2454 Australia Way E Unit 38, Clearwater
$110,000
2 Beds ⋅ 1 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Enjoy the best of Florida living in this ideally located 2-bedroom condo! Just steps from the East Activity Center, you'll have convenient access to swimming pools, a remodeled fitness center, tennis and pickleball courts, and a variety of recreational activities. Inside, laminate flooring extends throughout the living room, dining room, and both bedrooms, creating a cohesive look. The Florida Room features realistic wood-look ceramic tile flooring and a separate doorway providing access to the building's second-floor lobby and laundry facility. The updated kitchen offers slow-close shaker-style cabinets, granite countertops, and ceramic tile flooring. This vibrant 55+ community offers an exceptional array of amenities, including two private golf courses (9- and 18-hole), two heated swimming pools, two activity centers, and a remodeled fitness center equipped with modern exercise equipment. Enjoy an active social calendar featuring fitness classes, dancing, clubs, cards, billiards, and much more. Pet owners will appreciate the fenced dog park with covered seating, while hobby studios and a woodshop offer space to explore creative interests. The on-site Good Karma Café provides convenient hot and cold beverages and snacks. Conveniently located near Gulf Coast beaches, shopping, transportation, entertainment, and fine dining, this fee-simple condo offers an appealing combination of comfort, recreation, and convenience. Don't miss this opportunity to enjoy an active Florida lifestyle in a community filled with amenities! All room sizes, floor plans and square footage are approximate. Association approval is required. If financing, a 35% down payment is required.

2454 Australia Way E Unit 38, Clearwater
9138 Sw 94th Court, Ocala
$236,000
3 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
NEW TO THE MARKET IN LOVELY PROVIDENCE! Welcome to this inviting 3-bedroom, 2-bath home in the desirable Providence area of On Top of the World! This lovely home offers a wonderful blend of comfort, style, and outdoor living. Enjoy luxury vinyl and tile flooring throughout?NO CARPET! The convenient galley kitchen features an island that provides extra workspace and a great spot for gathering. The primary suite offers a walk-in closet, while the two-car garage features a convenient sliding screen. Step outside to the charming porch or relax in the spacious, tiled lanai, complete with sun-blocking shades and direct access to your private, fenced courtyard with an attractive wrought-iron gate?perfect for enjoying your morning coffee, entertaining friends, or simply soaking up the Florida sunshine! Roof replaced in 2020 and windows updated in 2018. With inviting indoor spaces and a wonderful outdoor setting, this home is ready for you to make it your own. Come see all this special home has to offer!

9138 Sw 94th Court, Ocala
2221 Swedish Drive Unit 53, Clearwater
$179,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Virtually Staged. Beautiful 3rd-floor 2-bedroom, 2-bath partially furnished El Dorado model offering 1,370 sq ft of bright, open living on the highly sought-after West Side of On Top of the World’s golf community—just steps from Harbor Lake. Complete with a charming sitting area at the front entry perfect for enjoying your morning coffee or relaxing after a day of activities, you will see this sets the tone before you step inside. The spacious interior features ceramic tile flooring throughout the main living areas, granite kitchen countertops, newer appliances, and a new disposal. The home includes updated windows in front (2008); back windows are hurricane-impact (2025) providing added protection and efficiency. Major mechanicals are already updated with a (2025) water heater and Trane A/C (2018). The primary bedroom offers new soft carpeting, creating a comfortable retreat. The guest bedroom is carpeted and is a blank canvas. This desirable El Dorado layout delivers generous room sizes, abundant natural light, and a smooth, easy-living flow. Located on OTOW’s premier West Side, residents enjoy close proximity to golf, pools, fitness centers, clubs, and endless activities—all within a vibrant 55+ community and minutes from shopping, dining, and Clearwater’s beautiful beaches.

2221 Swedish Drive Unit 53, Clearwater
2221 Norwegian Drive Unit 27, Clearwater
$199,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Enjoy the Florida lifestyle in this spacious 1,400 SQ. FT., 2-bed, 2-bath, second-floor condominium with elevator access, located in the desirable ON TOP OF THE WORLD 55+ COMMUNITY in Clearwater! Located in the desirable QUEEN VICTORIA Building, constructed in 1994, within one of the newer sections of On Top of the World. Nestled in a quiet, low-traffic area of the community, JUST STEPS FROM SCENIC HARBOR LAKE, this residence features BEAUTIFUL WATER VIEWS from the living area and lovely GARDEN VIEWS from the kitchen. Step inside to discover a bright and spacious floor plan featuring luxury vinyl plank flooring in the main living area, NEW HURRICANE-RATED WINDOWS, an A/C SYSTEM REPLACED IN 2015, and a WATER HEATER REPLACED IN 2024. Generously sized living spaces provide plenty of room for relaxing, entertaining, or simply enjoying the views and natural light. THE WASHER AND DRYER ARE INCLUDED, and a PRIVATE STORAGE UNIT CONVENIENTLY LOCATED DOWN THE HALL provides additional storage space. The PEACEFUL WATERSIDE SETTING is one of the highlights of this location. Imagine starting your morning with a cup of coffee overlooking Harbor Lake, taking a leisurely stroll along the water, or simply relaxing and enjoying the beautiful surroundings. The community also features a BOAT LOUNGE, kayaking opportunities, and scenic waterfront gathering areas, offering wonderful ways to enjoy the outdoors and Florida sunshine. ASSIGNED PARKING and convenient guest parking add to the ease of everyday living. Beyond your front door, On Top of the World offers an exceptional RESORT-STYLE, ACTIVE ADULT LIFESTYLE with an impressive selection of amenities, including TWO GOLF COURSES (9-HOLE AND 18-HOLE) WITH COMPLIMENTARY GOLF FOR ELIGIBLE RESIDENT OWNERS, two swimming pools, a fitness center, tennis and pickleball courts, a dog park, hobby studios, scenic walking areas, picnic pavilions, and EV CHARGING STATIONS. Residents can enjoy a variety of clubs, fitness classes, dancing, billiards, entertainment, and social activities. The on-site GOOD KARMA CAFÉ offers convenient take-and-bake meals and snacks, and the community even publishes ITS OWN NEWSPAPER, keeping residents informed about upcoming events, activities, and community news. The MONTHLY CONDOMINIUM FEE INCLUDES INTERNET, CABLE TV, WATER, SEWER, TRASH, EXTERIOR BUILDING MAINTENANCE, GROUNDS MAINTENANCE, PEST CONTROL, RECREATIONAL FACILITIES, and more! Conveniently located near CLEARWATER'S BEAUTIFUL BEACHES, CHARMING DOWNTOWN DUNEDIN, SHOPPING, RESTAURANTS, AND MEDICAL FACILITIES, this community offers easy access to everything that makes Florida living so enjoyable. Whether you're searching for a full-time residence or a seasonal Florida retreat, this condominium offers SPACE, COMFORT, BEAUTIFUL WATER VIEWS, AND AN ACTIVE COMMUNITY LIFESTYLE. Come discover all that On Top of the World has to offer!

2221 Norwegian Drive Unit 27, Clearwater
2000 World Parkway Boulevard Unit 2, Clearwater
$115,000
1 Beds ⋅ 1 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
WELCOME TO THE FLORIDA LIFESTYLE YOU’VE BEEN DREAMING OF! Discover comfort, convenience, and resort-style living in the highly desirable 55+ community of On Top of the World in beautiful Clearwater, Florida! This charming GROUND-FLOOR residence offers 1 bedroom, 1 bathroom, and a versatile bonus room, providing additional space for a home office, hobby room, or comfortable retreat. Step inside to discover an inviting floor plan featuring an updated kitchen with granite countertops and stainless steel appliances, along with an updated bathroom and comfortable living spaces ready for your personal touch. Enjoy the convenience of first-floor living and a private patio, perfect for relaxing and enjoying Florida’s beautiful weather. Beyond your front door, experience the incredible lifestyle that makes On Top of the World one of Clearwater’s most sought-after active adult communities! Residents enjoy an impressive selection of amenities, including two golf courses, swimming pools, fitness facilities, tennis and pickleball courts, shuffleboard, recreational activities, and an abundance of social clubs and community events. Whether you’re enjoying a leisurely round of golf, relaxing poolside, or connecting with neighbors, every day offers something new to experience. LOCATION, LOCATION, LOCATION! Conveniently situated near shopping, restaurants, entertainment, medical facilities, and the charming downtown Dunedin area, with Clearwater’s world-famous beaches just a short drive away. Enjoy easy access to everything the Tampa Bay area has to offer while returning home to a welcoming, amenity-rich community. Whether you’re searching for a year-round residence, a seasonal Florida getaway, or an opportunity to create a space uniquely your own, this property offers an appealing combination of location, lifestyle, and value. Don’t miss your chance to enjoy the Florida lifestyle at On Top of the World!

2000 World Parkway Boulevard Unit 2, Clearwater
8885 Sw 98th Street Road Unit A, Ocala
$194,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Welcome to your new life in On Top of the World, Ocala's premier active adult golf course community. This exceptional Birmingham model has been tastefully updated with a beautiful two color kitchen with striking under cabinet lighting. The kitchen has a small office space with storage behind it. The bathrooms have been updated and there is even a smart bidet in the guest bathroom. This gorgeous villa features a full width of the house Florida/Sunroom with picture windows that can be a craft room, office or den or have multiple uses at it is big enough. You can enter from the primary bedroom and the dining room. A screened patio is beyond the Florida room. The entire home has high quality tile floors throughout. The roof was completed in 2018 and a new HVAC in 2024. New garage door in 2024 that also has a roll up automatic screen, energy efficient thermal windows, new interior doors and inside paint as well as newer ceiling fans and lighting. The primary bedroom closet has custom shelving to organize in style. This model has a 1.5 car garage going the entire length of the house and the laundry area and golf cart space is in the back. There is a workbench and shelves in the garage as well as a 2nd refrigerator. Extra insulation has also been installed. To protect your investment there are automatic hurricane shutters, hidden until you need them with flick of a switch simplicity to bring them down. The golfcart is available and all of the very tasteful furniture is also available, including smart TVs and an electric fireplace. This home has very nice landscaping and no homes behind it. At 1755 square feet it is one of the largest villas available. You must see it to appreciate it! Community features include tennis, swimming pools, pickleball, library, gyms, game rooms, education, farmer's market, entertainment, clubs plus more! This villa is located near the front of the community where you have golf cart access to two shopping centers, a Publix, and many restaurants. It is walking distance to the Rec Center pool and gym. Call for your private showing, this unique home won't last long!

8885 Sw 98th Street Road Unit A, Ocala
9818 Sw 99th Loop, Ocala
$269,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
MOVE-IN READY SOLAR SMART HOME! Beautiful 2019 Rimon model in Crescent Ridge 3 at On Top of the World. This 2-bedroom, 2-bath home features a 2-car garage, split-bedroom floor plan, and unique second-floor flex room/den accessed through the garage. Energy-efficient features include 13 solar panels and natural gas, with an average monthly electric bill reported under $39. Upgrades include 18-inch ceramic tile, gourmet kitchen with quartz countertops, gray cabinetry, glass backsplash, gas convection range, and large island. Spacious primary suite offers two walk-in closets and an en-suite bath with custom-tiled accessible shower. Additional features include a guest bath with custom tile, interior laundry room with washer, dryer, and utility sink, screened lanai, premium corner lot with no home directly behind, and whole-house water softener. Enjoy the outstanding On Top of the World lifestyle with 4 pools, fitness centers, 23 pickleball courts, tennis, more than 200 clubs, and numerous recreational amenities. Golf cart-friendly community with access to three shopping centers. HOA includes basic internet, roof repair, exterior maintenance, landscaping, trash and recycling, and more. Don't miss this move-in-ready home! Be sure to take a look at the Matterport 3D Tour to explore the property from the comfort of your home.

9818 Sw 99th Loop, Ocala
10418 Sw 92nd Place Road, Ocala
$399,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
PRIVACY, EXTENSIVE UPGRADES & EXCEPTIONAL LIVING! Tucked away on a private homesite in the gated Long Leaf Ridge neighborhood of On Top of the World, this beautifully enhanced Livingston model blends refined finishes, thoughtful improvements, and inviting indoor-outdoor living. Featuring 2 bedrooms, 2 bathrooms, and a versatile flex room, this home offers over $80,000 in upgrades designed to elevate everyday comfort and style. The kitchen is both beautiful and functional, featuring quartz countertops, a cabinetry-wrapped center island, built-in oven and microwave, cooktop, stainless steel appliances, and a coordinating tile backsplash. Soft-close and soft-open cabinetry, along with lighting above and below the cabinets, adds an elegant finishing touch. Luxury vinyl plank flooring and crown molding enhance the home's polished interior. The open living area flows through a three-panel sliding glass door to a screened lanai with three ceiling fans, creating a welcoming space to relax and enjoy the Florida lifestyle. Beyond the lanai, an expansive paver patio offers generous room for entertaining, outdoor dining, and relaxing. Approximately 13' x 30' of the patio is covered and features two ceiling fans. The surrounding yard is beautifully landscaped with curbed planting beds and decorative stone, while the private backdrop offers no homes directly behind you! The primary suite provides a comfortable retreat with a walk-in closet featuring custom built-ins and an ensuite bathroom with a tiled, glass-enclosed walk-in shower. A hot water loop provides the convenience of quicker hot water delivery. The flex room features custom built-ins and a sliding door, creating a versatile space that can effortlessly transition from a stylish home office to a comfortable third bedroom with the built-ins serving as closet space. Additional features include a well-appointed laundry room with upper and lower cabinetry and a utility sink, plus a new washer and dryer (2025). A solar tube brings additional natural light into the home, while gutters, custom window treatments, and a transferable home warranty add further value. The spacious 2.5-car garage features a motorized screen, ceiling fan, and overhead storage for added convenience. Ideally located within walking distance of The Summit and The Arbors! With extensive upgrades, generous outdoor living space, and a private setting in Long Leaf Ridge, this Livingston model offers an appealing blend of comfort, convenience, and Florida living. Located in On Top of the World's premier 55+ active adult community, residents enjoy an impressive selection of amenities, abundant social opportunities, and convenient golf-cart access to nearby shopping, dining, and everyday essentials.

10418 Sw 92nd Place Road, Ocala
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