4725 COVE CIRCLE UNIT 104, ST PETERSBURG, FL, 33708
Active185 days on marketListed Jan 30, 2026MLS #A4679075
About this home
4725 COVE CIRCLE UNIT 104
Ground floor condo, just walk right into your gorgeous views front your livingroom window and lanai.This beautiful one bedroom/one bath on the intracoastal waterway has been completely renovated and brand newly remodeled. Lovely 20 inch ceramic tile throughout, walk in shower, solid wood kitchen cabinets, all brand new appliances, new doors, brand new A/C unit and hot water heater. The condo is located on the first floor for easy access and has assigned parking as well. You can enjoy the serenity of the waterway just outside your window. Just a stroll away is a relaxing deck to enjoy the amazing sunsets and sunrises. So why wait any longer to enjoy your quaint condo for vacations or stay all year long in the Florida weather. The community has two pools, one in which many gather for cookouts and conversations. Enjoy playing tennis or pickleball. The clubhouse is getting completely renovated and has many activities in the community such as neighborhood gatherings, card games and bus trips too. The gated 55+ community has a 24hr. guard on duty for security and safety. All visitors must have prior approval before entering the lovely community. Owner is considering to rent the condo out on an annual basis. Owner needs to relocate because can no longer live alone.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
815
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$156
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,149 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,149/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.2%
$/sqft vs St Petersburg actives
$156 vs $321
Days on market
185 vs 54 typical
Where $156/sqft sits among the 400 St Petersburg actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33708 — neighborhood snapshot
Population
15,306
Median age
61.1
Median income
$83,773
Median home value
$463,700
Avg household
1.9
Households w/ children
600
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $420K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
201 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 73% below the ST PETERSBURG 33708 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4725 COVE CIRCLE UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$140,000
4725 COVE CIRCLE UNIT 808 · same community
1 bd · 1 ba · 815 sqft · $172/sqft · 165 DOM
Sold · Feb ’26$205,000
4725 COVE CIRCLE UNIT 302 · same community
2 bd · 2 ba · 1,040 sqft · $197/sqft · 13 DOM
Sold · Dec ’25$140,000
4725 COVE CIRCLE UNIT 109 · same community
2 bd · 2 ba · 1,040 sqft · $135/sqft · 38 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4725 COVE CIRCLE UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4725 COVE CIRCLE UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4725 COVE CIRCLE UNIT 104 FAQs
What would the monthly payment be for 4725 COVE CIRCLE UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,149/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4725 COVE CIRCLE UNIT 104?+
The most recent tax bill on record (2024) was $2,217. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4725 COVE CIRCLE UNIT 104?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Petersburg?+
At $127,000, this home is listed about 71% below the St Petersburg median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4725 COVE CIRCLE UNIT 104?+
Orange Grove Elementary School (elementary), Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the ST PETERSBURG 33708 market on paper
$127,000 is 73% below the ST PETERSBURG 33708 median of $469,900, and at $156/sqft it sits under the St Petersburg average of $385.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
185 days on market against a St Petersburg median of 54 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Orange Grove Elementary School, Osceola Middle School, Richard O Jacobson Technical High School At Seminole — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $207,000, now $127,000 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT KING REALTY · Deborah Steele. MLS #A4679075.
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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