4725 COVE CIRCLE UNIT 104, MADEIRA BEACH, FL, 33708
Active39 days on marketListed Jun 16, 2026MLS #A4696862
About this home
4725 COVE CIRCLE UNIT 104
Beautiful area of St. Petersburg, located in Madiera Beach. This one bedroom/one bath has been completely updated and remodeled with brand new appliances, bathroom, fresh paint, brand new sliding doors, new molding, doors throughout, cabinetry and both sinks in kitchen and bathroom. No pets allowed and no smoking. This condo association does not allow smoking near the building of the condo. This condo has an assigned parking space. There is plenty of guest parking in the area. The community is gated for complete security. There are two community pools and has a bbq cooking area. The condo is located directly on the gulf waterway with spectacular views from the condo.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
815
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Madeira Beach actives
$2 vs $632
Days on market
39 vs 88 typical
Where $2/sqft sits among the 126 Madeira Beach 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 Madeira Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Madeira Beach. See the full Madeira Beach guide →
MADEIRA BEACH 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 Madeira Beach market
$573K → $585K
Madeira Beach median sold, yr/yr
93.8%
Sale-to-list ratio (12 mo)
61 of 126
Madeira Beach actives have cut their price
Median sold price, Madeira Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the MADEIRA BEACH 33708 median. See the full Madeira Beach 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 · 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
Sold · Aug ’25$230,000
4725 COVE CIRCLE UNIT 211 · same community
2 bd · 2 ba · 1,040 sqft · $221/sqft · 192 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 $174/mo — principal and interest, estimated property taxes 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.
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 Madeira Beach?+
At $2,000, this home is listed about 100% below the Madeira Beach median of $799,000. 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
Three things that matter here
01Under the MADEIRA BEACH 33708 market on paper
$2,000 is 100% below the MADEIRA BEACH 33708 median of $495,000, and at $2/sqft it sits under the Madeira Beach average of $742.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of EXIT KING REALTY · Deborah Steele. MLS #A4696862.
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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