1000 COVE CAY DRIVE UNIT 5E, CLEARWATER, FL, 33760
Active174 days on marketListed Feb 11, 2026MLS #O6380950
About this home
1000 COVE CAY DRIVE UNIT 5E
Welcome to Cove Cay, a vibrant all-ages community where every day feels like a vacation. This beautiful two-bedroom, two-bathroom condo combines effortless Florida living with panoramic views and a resort-style atmosphere you'll love coming home to. Perched on the fifth floor, the residence features a bright, open layout designed for comfort and relaxation. The kitchen is thoughtfully positioned to capture the view, offering warm wood cabinetry, sleek stone countertops, modern appliances, and a tucked-away stackable washer and dryer for added convenience. The primary suite provides a peaceful retreat with dual closets and a spa-inspired walk-in shower. The second bedroom shines with luxurious Italian tile flooring and easy access to the guest bathroom—perfect for hosting family and friends. Step out onto your private screened-in balcony, where tranquil mangrove views and a sparkling community pool set the tone for true Florida serenity. Cove Cay is more than a place to live—it’s a lifestyle. Nestled within the Cove Cay Golf Course, the community offers access to a public course, optional memberships, and dining at Bayview Grille. For those who love the water, the nearby Cove Cay Marina provides boat rentals, kayak launches, docking, and storage. Ideally located near Clearwater’s award-winning beaches, Downtown St. Pete, Tampa’s sports and entertainment district, and major international airports, you’re never far from everything the region has to offer. Outdoor enthusiasts can explore the Pinellas Trail, local parks, and endless options for kayaking, paddleboarding, and boating. Arts and culture lovers will appreciate quick access to the Dali Museum, the St. Pete Pier, and an exceptional dining scene. This gated community includes a sparkling pool, clubhouse, onsite dining, water, trash, sewer cable and internet/WiFi—covered by the HOA. Whether you’re seeking an active lifestyle or a peaceful escape, Cove Cay delivers the best of Florida living. Your resort-style life awaits—schedule your private showing today. Note: The Cove Cay Golf Course and Marina are open to the public. Contact each directly for current rates.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0.96 ac
Lot size
1991
Year built
Three Or More
Levels
$260
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.
$1,994 /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
$1,994/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
+49%
$/sqft vs Clearwater actives
$260 vs $218
Days on market
174 vs 55 typical
Where $260/sqft sits among the 399 Clearwater 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 Cove Cay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clearwater. See the full Clearwater guide →
Cove Cay — neighborhood snapshot
Population
1,073
Median age
61
Median income
$62,580
Median home value
$189,303
Avg household
2
Households w/ children
28%
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clearwater market
$328K → $350K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
221 of 399
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1000 COVE CAY DRIVE UNIT 5E
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$294,000
2204 EUCLID CIRCLE S
3 bd · 1 ba · 1,010 sqft · $291/sqft · 67 DOM
Sold · Dec ’25$190,000
5265 E BAY DRIVE UNIT 310
2 bd · 2 ba · 900 sqft · $211/sqft · 25 DOM
Sold · Dec ’25$161,500
5265 E BAY DRIVE UNIT 622
2 bd · 2 ba · 900 sqft · $179/sqft · 45 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 1000 COVE CAY DRIVE UNIT 5E — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1000 COVE CAY DRIVE UNIT 5E — 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
1000 COVE CAY DRIVE UNIT 5E FAQs
What would the monthly payment be for 1000 COVE CAY DRIVE UNIT 5E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,994/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 1000 COVE CAY DRIVE UNIT 5E?+
The most recent tax bill on record (2025) was $3,020. 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 1000 COVE CAY DRIVE UNIT 5E?+
The listing reports pets: Cats OK, Number Limit, Size Limit. 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 Clearwater?+
At $250,000, this home is listed about 9% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1000 COVE CAY DRIVE UNIT 5E?+
Belcher Elementary School (elementary), Oak Grove Middle School (middle), Pinellas Park High School (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$250,000 runs 43% above the CLEARWATER 33760 median.
02Golf Course & Pool & Water views
The golf course and pool and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
174 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $260,000, now $250,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Annie Lavigne. MLS #O6380950.
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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