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

2287 Philippine Drive Unit 59, Clearwater
$144,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Virtually Staged. Welcome to 2287 Philippine Dr #59 in the desirable On Top of the World community in Clearwater, FL! This 2-bedroom, 2-bathroom condo is located in an elevator building and offers a spacious layout with a family room and new flooring throughout. Whether you’re searching for a full-time residence, seasonal getaway, or investment property, this unit presents an excellent opportunity in one of Tampa Bay’s premier 55+ gated and guarded communities. Residents enjoy access to over 170 clubs and activities, multiple pools, a private golf course, expansive clubhouse, fitness center, tennis and sport courts, and beautifully maintained grounds. Conveniently located just minutes from Clearwater Beach, shopping, dining, and major highway access including US-19, this condo combines lifestyle and location in the heart of Clearwater.

2287 Philippine Drive Unit 59, Clearwater
2170 Americus Boulevard S Unit 51, Clearwater
$255,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Enjoy comfort and convenience in this well-located 2-bedroom, 2-bath condo conveniently located within a short walk from the West Activity Center . The golf course is just outside your window. Located in a vibrant 55+ community, this home delivers an active, connected lifestyle. This unit boasts 2 assigned parking spaces. The 55+ community has 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. Washer, dryer, and hook ups must be approved by the association.

2170 Americus Boulevard S Unit 51, Clearwater
8883 Sw 94th Lane Unit G, Ocala
$199,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
**Beautifully Updated Montgomery Model Villa in Friendship Village – On Top of the World!** Don't miss seeing this spacious 2-bedroom, 2-bathroom Montgomery Model end-unit villa with a 2-car garage, located in the desirable Friendship Village neighborhood of On Top of the World in Ocala! This beautifully updated home offers added privacy, modern upgrades, and comfortable Florida living. Enjoy brand-new luxury vinyl plank flooring and fresh interior paint completed in 2025, creating a fresh, move-in-ready feel throughout. The remodeled kitchen features quartz countertops, stainless steel appliances, including a 2026 GE microwave, updated cabinetry, a convenient pull-out spice rack, Lazy Susan, and dual pantries, one with pull-out shelving for easy organization. A stainless steel double sink with a pull-down faucet completes this functional and attractive kitchen. The spacious primary suite offers a large walk-in closet and a remodeled bathroom with a quartz vanity, glass-enclosed rain shower, built-in waterproof shelving, and additional storage. The guest bedroom features a generous closet, while the guest bathroom includes a tub and quartz vanity. Contemporary lighting in the primary bedroom, living room, and family room adds a stylish, modern touch. Additional conveniences include linen and coat closets, ceiling fans throughout the home and lanai, a large utility sink, and a newer LG washer and dryer. Enjoy even more value with a Rainier remote-controlled garage screen, a Genesis water conditioner, and Massey termite bait stations for added termite protection. This home has updated windows, and the back patio is air-conditioned and heated. Step outside to your private, fenced backyard with mature shade trees, providing a peaceful setting to relax and enjoy the Florida lifestyle. Located in On Top of the World, Ocala's premier 55+ gated community, residents enjoy an outstanding variety of amenities, including golf, swimming pools, fitness centers, recreational facilities, clubs, social activities, and entertainment. Don't miss your opportunity to see this beautifully updated villa! Take a look at the Matterport 3D Tour to explore the home and appreciate all the features this wonderful property has.

8883 Sw 94th Lane Unit G, Ocala
9529 Sw 85th Avenue Unit D, Ocala
$165,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Welcome to this beautifully maintained Bostonian villa in Friendship Village, located within Ocala's popular On Top of the World 55+ community. Offering 1,541 square feet of comfortable living space, this 2-bedroom, 2-bath home with a 2-car garage features thoughtful improvements and inviting spaces throughout. Tile flooring extends throughout the home, with the exception of the guest bedroom, providing a clean, cohesive look and easy maintenance. The attractive kitchen features beautiful cabinetry, laminate countertops, and a vented range hood, combining style with everyday functionality. The spacious living area offers plenty of room to relax or entertain and includes a convenient Murphy bed for accommodating overnight guests. The updated primary bathroom adds to the home's appeal, while both bathrooms feature ADA-compliant toilets. Enjoy your morning coffee on the welcoming front porch or unwind on the screened rear patio, offering a comfortable space to enjoy Florida's beautiful weather. The two-car garage includes additional storage cabinets, providing practical space for organization. Important improvements include a NEW ROOF IN 2025, HVAC in 2018, and a NEW WASHER IN 2025. Beyond your front door, enjoy the exceptional lifestyle On Top of the World is known for, including golf courses, swimming pools, fitness centers, pickleball, clubs, activities, and entertainment. Golf-cart access to nearby Publix, medical offices, restaurants, and shopping adds to the everyday convenience. With its desirable floor plan, attractive features, and major improvements already completed, this Bostonian villa is ready for its next owner. Schedule your private showing and discover the comfort and convenience of this wonderful home!

9529 Sw 85th Avenue Unit D, Ocala
9085 Sw 91st Circle, Ocala
$240,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Discover the popular Hartford Model Single Family Home, perfectly situated on the 2nd hole of the exclusive Tortoise and the Hare golf course. Enjoy stunning, serene golf course views right from your private paver courtyard—your own peaceful outdoor retreat just for you. This lovely home features a convenient split-bedroom plan with 2 bedrooms and 2 baths, plus a versatile flex room and spacious great room ideal for relaxing or entertaining. The primary bedroom ensuite bath includes a step-in shower, double sink vanity, and storage. The guest suite has easy access to the guest/hall bath for privacy. The updated kitchen with lots of natural light includes cozy table space, upgraded appliances, Corian counters, and large pantry. The screened lanai offers a comfortable spot to enjoy Florida’s beautiful weather and more golf course views! Well-maintained upgrades include a 2018 roof, 2014 HVAC, 2019 energy efficient windows, plantation shutters, elegant solid surface flooring throughout, and a spacious 2-car garage. Whether hosting guests inside or basking in the tranquility of your private courtyard, this home delivers generous living space combined with breathtaking golf course views. Perfect for an active 55+ lifestyle with a love of golf and relaxation. 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.

9085 Sw 91st Circle, Ocala
2253 Norwegian Drive Unit 71, Clearwater
$179,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
A truly one-of-a-kind, fully reimagined 3rd-floor *Supreme* model on the coveted West Side of On Top of the World—just a short stroll to Harbor Lake, the dog park, and the West Activity Center. This 1,100 sq ft residence with updated double pane windows has been transformed with high-end finishes and custom upgrades, creating a refined living environment rarely found in the community. At the heart of the home is a designer inspired double-sided kitchen and gathering room, meticulously crafted for both beauty and function. New quartz countertops, custom tile backsplashes, and a stainless Delta sink (10.5" deep) with premium accessories set the tone for elevated everyday living. The Moen hands-free faucet adds modern convenience, while all-new Samsung appliance suite—including a slide-in induction range with a 12-function oven (bread proof, dehydrate, air fry, sous vide, convection bake, and more)—creates a chef-worthy workspace. Soft-close cookware drawers, smart storage solutions, and a thoughtfully expanded gathering area make this kitchen the true centerpiece of the home. The luxury primary ensuite bath delivers a spa-inspired experience with floor-to-ceiling ceramic tile, a rainfall shower with hand wand, Toto bidet toilet, quartz vanity, and a powered, illuminated medicine cabinet/mirror. The guest bath continues the upscale aesthetic with a new vanity, lighting, and storage. A new full size LG washer/dryer with upgraded plumbing and electrical—adds modern efficiency. The ventless heat-pump dryer eliminates hot air exchange, enhancing comfort and performance. Throughout the residence, every detail has been elevated: new panel-style doors with lever hardware, newer window coverings, solid vinyl LVP flooring with upgraded baseboards, a 2021 hot water tank with dedicated access, and a 2020 HVAC system enhanced with an air cleaner and UV sanitizer. Both bedrooms feature custom built-in closet systems with adjustable shelving and rods, offering boutique-level organization. This exceptional home blends luxury craftsmanship, modern convenience, and a premier West Side location—delivering a beautifully curated living experience in one of Clearwater’s most desirable 55+ golf communities that offer a maintenance-free lifestyle filled with endless opportunities for fun and relaxation. Enjoy a round of golf on one of two resident-exclusive courses, take a refreshing swim in one of the two pools, or socialize with friends over shuffleboard, tennis, or billiards. Move in, unpack, and begin savoring everything this vibrant community has to offer. The Buyer/Buyers Agent is to verify all information about this property, including but not limited to square footage, room sizes, condition, deed restrictions, rules, and regulations. MILESTONE COMPLETE AND NO ADDITIONAL ASSESMENTS ARE DUE AT THIS TIME. Association approval is required. If financing 35% down in required. Proof of Funds and/or Solid Mtg approval to accompany offer.

2253 Norwegian Drive Unit 71, Clearwater
9141 Sw 91st Circle, Ocala
$219,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Welcome to this beautifully updated Madison model in the Williamsburg neighborhood of On Top of the World, Ocala's popular 55+ community. This 2-bedroom, 2-bath home features a spacious split-bedroom floor plan, vaulted ceilings throughout, luxury vinyl plank flooring, renovated bathrooms, and a BRAND-NEW HVAC SYSTEM (2026)! The expansive great room offers plenty of space for comfortable living and entertaining. The updated kitchen combines style and functionality with newer stainless steel appliances, a custom backsplash, recessed lighting, and a deep sink. A convenient pass-through connects the kitchen to the great room, creating an easy flow between the spaces. A separate laundry room with a newer washer and dryer adds everyday convenience. The primary suite is situated toward the rear of the home and features a spacious walk-in closet and beautifully renovated bathroom with a step-in shower, tile flooring, comfort-height toilet, and updated fixtures. The generously sized guest bedroom offers a walk-in closet and Murphy bed that conveys, providing flexibility for visiting family and friends or use as a home office. The updated guest bathroom includes a tiled tub surround, tile flooring, and a comfort-height toilet. The finished Florida room, complete with heating and air conditioning, provides additional space to relax or entertain, with easy access to the outdoor patio. The corner lot features attractive landscaping and an inviting outdoor space to enjoy Florida's beautiful weather. Additional improvements include fresh interior paint, updated lighting and ceiling fans, refreshed exterior trim, and a 2014 roof. The 1.5-car garage includes a utility sink, pull-down attic access, and additional storage space. Residents enjoy an active lifestyle with golf courses, swimming pools, fitness centers, pickleball, tennis, arts and crafts, clubs, and entertainment at the Cultural Center. Golf cart access to Publix, medical offices, restaurants, coffee shops, and shopping adds everyday convenience. With its updated interior, brand-new HVAC system, vaulted ceilings, and spacious living areas, this Madison model is ready for its next owner. Schedule your private showing today!

9141 Sw 91st Circle, Ocala
2381 Ecuadorian Way Unit 45, Clearwater
$179,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 33763 Zip Code
Welcome home to this beautifully renovated top floor, 2-bedroom, 2-bath condo, ideally located directly across from the East Activity Center! Enjoy easy access to a heated swimming pool, fitness center, tennis and pickleball courts, and a variety of recreational activities, all within walking distance. After parking in your assigned space, step inside to discover an extra-large living room featuring luxury vinyl plank flooring, elegant crown molding, and recessed lighting. The stunning renovated kitchen is sure to impress, showcasing slow-close shaker cabinets, granite countertops, stainless steel appliances, a stylish ceramic tile backsplash, a modern range hood, luxury vinyl plank flooring, and recessed lighting. Both bathrooms have been tastefully updated with new comfort-height commodes, vanities, faucets, and lighting fixtures, combining modern style with everyday functionality. Additional features include updated windows, ceiling fans in key rooms, your own washer and dryer, and important mechanical updates for added peace of mind. The HVAC system, replaced in 2018 and includes a UV lamp to help improve indoor air quality, and the water heater was replaced in 2020. This vibrant 55+ community offers an array of amenities designed to enhance your lifestyle. Enjoy exclusive access to two private golf courses with 9 and 18 holes, two heated swimming pools, and two activity centers. Stay fit with the remodeled fitness gym equipped with the latest exercise equipment, or participate in various community activities such as fitness classes, dancing, clubs, cards, billiards, pickleball and more. Pet owners will appreciate the very pet-friendly environment, complete with a fenced dog park and covered seating. The community also offers hobby studios and a woodshop for the exclusive use of residents. The on-site Good Karma Café provides convenient hot and cold beverages and snacks. Located close to beaches, transportation, shopping, entertainment, and fine dining, this condo combines convenience with comfort. 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 payment is required and association approval is required. Washer, dryer, and hook ups must be approved by the association. This move-in-ready home combines thoughtful renovations, comfortable living spaces, and an outstanding location near community amenities. Don't miss this opportunity to enjoy the Florida lifestyle you've been looking for. Schedule your showing today!

2381 Ecuadorian Way Unit 45, Clearwater
9000 Sw 96th Court Road, Ocala
$225,000
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
Clean as a whistle and ready to move in. This 2 Bedroom, 2 Bath, Flex Rm is in great condition with a new HVAC Blower in 2026 and Roof Replaced in 2022 . New LVP Floors with newer carpet in the bedrooms. This home is totally TURNKEY with Furniture, a 2013 Golf Cart with 2 year old batteries and tires and 2 Bicycles. Even the Vacuum stays.

9000 Sw 96th Court Road, Ocala
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
9979 Sw 88th Loop, Ocala
$349,900
2 Beds ⋅ 2 Baths ⋅ On Top Of The World SubDv. ⋅ 34481 Zip Code
On the golf course, rear privacy, and a very large lanai covered with a birdcage make this home perfect for Florida living! New carpeting in bedrooms installed 10/2026. Solar panels allow for a very low electric cost each month. This custom home was built in 2019. Upon entering you will find a large foyer that welcomes you to the great room area. Open concept living and high ceilings provides for a bright, yet relaxing atmosphere. This home has 2 bedrooms,2 baths and a den/flex room. The kitchen is a modern gourmet kitchen, perfect for entertaining. All stainless-steel appliances including refrigerator, gas range, wall oven, microwave, quartz countertops, makes this kitchen ready for any chef. The split bedroom plan provides privacy. The primary bedroom is large and has a walk-in closet, as well as a large en-suite with an accessible shower. Laundry can be done in the inside laundry area which contains a lot of shelving. Beside the laundry room is a workshop; perfect for those who have hobbies such as woodworking or crafting. If you prefer, this workshop can easily be converted back to garage space. The monthly HOA fee includes DCM Basic Internet, roof repair, exterior painting every seven years, and exterior maintenance. Also included is landscaping, trash and recycling and gated entry. Amenities abound in this lively community. Swimming pools, fitness centers, tennis, pickleball, softball, archery, bocce ball, shuffleboard, horseshoes, remote control flying field, library, and too many clubs to mentions. If you want a peaceful and private home and are looking for an active golf-cart community, you have found your new home!

9979 Sw 88th Loop, Ocala
Start Your Search

How much is your home worth?

Get instant property value now!