Pensioner carries it over paved area by house (5)
I believe the answer is:
patio
'paved area by house' is the definition.
(I've seen this before)
'pensioner carries it over' is the wordplay.
'pensioner' becomes 'oap'.
'carries' means one lot of letters goes inside another.
'over' shows that the letters should be reversed in order.
'oap' enclosing 'it' is 'oitap'.
'oitap' back-to-front is 'PATIO'.
(Other definitions for patio that I've seen before include "area near house" , "Spanish courtyard" , "Paved area alongside a house" , "Garden terrace" , "Hard surface" .)