Neighborhood · Clearwater, Florida
Cove Cay
Golf-course living near the bay in Clearwater
36
Homes for sale
$187,500
Median list price
—
Avg price / sqft
—
Median days on market
Cove Cay sits on the eastern edge of Clearwater, a low-key residential pocket in Pinellas County within easy reach of Old Tampa Bay. It's the kind of place that draws buyers who want a quiet, established setting without giving up a central Pinellas location, close to communities like Greenbriar and the beaches at Sand Key. Families here are assigned to Belcher Elementary, Oak Grove Middle, and Pinellas Park High.
For buyers, the current picture is approachable: 33 active listings with a median list price of $195,000, which puts Cove Cay well below much of the coastal Clearwater market. That price point reflects a condo-heavy inventory rather than single-family homes, so it's a natural fit for first-time buyers, downsizers, and investors. If you're comparing options, it's worth weighing Cove Cay against nearby Downtown and 55+ communities like On Top Of The World.
Cove Cay is a community in Clearwater, Florida.
Quick facts
On the market now
Homes for sale in Cove Cay
Nothing active right now.
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Every active listing inside the Cove Cay boundary
Open full map search →The numbers that matter
The Cove Cay market
Cove Cay vs Clearwater
Median list price
Median sold price — 3-yr, 3-mo rolling
▼ 11.0% yr/yr
Homes sold per month
Live Stellar MLS data — every listing and closed sale inside the Cove Cay boundary. Rolling medians smooth single-month swings in small communities.
For the school run
Schools Cove Cay is zoned for
Attendance boundaries overlapping this community — always verify zoning with the district.
What it really costs
Owning here
Owning the median Cove Cay home
≈ $1,370/mo
$187,500 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
Population
1,073
Median age
61
Median income
$62,580
Median home value
$189,303
Beyond the listings
Living in Cove Cay
Hobbies & Interests
Top 23% in the U.S.Engine Enthusiast
This population loves working on and showing off their cars, trucks and motorcycles. You can find them researching car shows and the hottest models on the lot.
Lifestyles
Top 24% in the U.S.Wealth Signaling
Interested in the finer things life has to offer, this population wants to display their lifestyle by discussing luxury products. Often references jewelry, cars, and home features.
Relationships
Networking
Driven to succeed in the business world, this population seeks to progress in their career through networking happy hours, summits, and connecting with other professionals online.
Food & Drink
Fueling for Fitness
A population characterized by healthy eating. Often pre-planning for meals for the purpose of fitness and convenience. Likely to participate in meal prep trends.
Appearance oriented
Fitness Fashion
Workout clothes aren't just for working out anymore. This population enjoys wearing name-brand athletic apparel for fashion and functional purposes.
Appearance oriented
Men's Style
This population is all about finding the latest in men's style - from fashion to grooming. Captures guys looking to stay on trend and significant others assisting with shopping.
People who close here
Our Clearwater experts
Straight answers
Cove Cay FAQs
Is Cove Cay a good place to live?+
Cove Cay is a quiet, established residential area on the eastern side of Clearwater, appealing to buyers who want a central Pinellas location at an approachable price. It's assigned to Belcher Elementary, Oak Grove Middle, and Pinellas Park High School, and sits close to beaches like Sand Key. The setting suits first-time buyers, downsizers, and anyone who values calm over crowds.
Is Cove Cay expensive?+
No — it's one of the more affordable pockets in the Clearwater market, with a median list price of $195,000. That's well below much of coastal Pinellas, largely because the inventory leans toward condos rather than single-family homes. Buyers priced out of nearby waterfront areas often find Cove Cay a realistic alternative.
What do homes cost in Cove Cay?+
The current median list price is $195,000 across 33 active listings. Pricing at this level reflects a condo-focused inventory, so exact numbers vary by unit size and building. It's a good idea to compare a few active listings directly to understand what your budget covers.
How is the Cove Cay real estate market right now?+
There are 33 active listings available today at a median list price of $195,000, giving buyers a solid selection. Detailed sold and days-on-market figures aren't available for this small neighborhood right now, so working with a local agent who tracks the Clearwater market closely will give you the clearest read on timing and negotiation.
What about HOA fees and property taxes in Cove Cay?+
Because Cove Cay is a condo-heavy community, most homes carry an HOA fee that typically covers building and grounds maintenance, though specific dues vary by association and aren't reported at the neighborhood level here. Property taxes in Pinellas County depend on assessed value and homestead status. Always confirm the exact HOA and tax figures for any individual listing before making an offer.
Keep exploring
More Clearwater neighborhoods
Neighborhood boundary by edgeAI; listings matched to the polygon. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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