4775 COVE CIRCLE UNIT 103, ST PETERSBURG, FL, 33708
Active116 days on marketListed Apr 16, 2026MLS #O6398514
About this home
4775 COVE CIRCLE UNIT 103
Welcome to this beautifully fully remodeled waterfront 2-bedroom, 2-bath condo in the highly sought-after 55+ gated community of Continental Towers in St. Petersburg. Offering stunning Intracoastal Waterway views, this move-in ready residence combines modern upgrades with effortless coastal living. Step inside to a bright, open-concept layout where the living, dining, and kitchen areas flow seamlessly together, all complemented by serene water views. The interior has been completely updated, featuring brand new flooring, new windows, a fully renovated kitchen with stone countertops, stainless steel appliances, and modern cabinetry, creating a clean, contemporary space that truly feels like new construction. Enjoy peace of mind with a brand new HVAC system and updated finishes throughout. The spacious primary suite offers a private retreat with an en-suite bathroom and a bonus sunroom—perfect for enjoying your morning coffee while taking in the waterfront views. The guest bedroom provides ample space and flexibility, ideal for visitors or a home office. This first-floor unit offers easy, stair-free access and includes a private outdoor space to relax and unwind. Residents of Continental Towers enjoy a resort-style lifestyle with amenities including two community pools, tennis courts, shuffleboard, a fishing pier, and 24-hour gated security. Boat slips are being reconstructed, with limited availability for separate purchase. The community is also undergoing updates, enhancing long-term value and appeal. The condo fee covers cable, insurance, exterior maintenance, water, sewer, trash, pest control, and more—providing truly low-maintenance living. The current special assessment has already been paid in full by the seller. Ideally located just minutes from the beaches, shopping, and dining, this property offers the perfect blend of luxury, convenience, and coastal lifestyle. Whether you’re seeking a full-time residence or seasonal retreat, this fully upgraded waterfront condo is a rare opportunity—schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
1971
Year built
One
Levels
$270
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 and the real association fee — not generic estimates.
$3,027 /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
$3,027/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
−18.3%
$/sqft vs St Petersburg actives
$270 vs $329
Days on market
116 vs 57 typical
Where $270/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 → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
223 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 37% 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 4775 COVE CIRCLE UNIT 103
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$205,000
4775 COVE CIRCLE UNIT 1008 · same community
2 bd · 2 ba · 1,050 sqft · $195/sqft · 129 DOM
Sold · Oct ’25$215,000
4775 COVE CIRCLE UNIT 803 · same community
2 bd · 2 ba · 1,050 sqft · $205/sqft · 79 DOM
Sold · May ’26$175,000
4775 COVE CIRCLE UNIT 403 · same community
2 bd · 2 ba · 1,050 sqft · $167/sqft · 255 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 4775 COVE CIRCLE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4775 COVE CIRCLE UNIT 103 — 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
4775 COVE CIRCLE UNIT 103 FAQs
What would the monthly payment be for 4775 COVE CIRCLE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,027/mo — principal and interest, the actual property-tax bill, the $808/mo association fee 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.
How much are the HOA fees at 4775 COVE CIRCLE UNIT 103?+
The association fee works out to $808 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4775 COVE CIRCLE UNIT 103?+
The most recent tax bill on record (2025) was $3,141. 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 4775 COVE CIRCLE UNIT 103?+
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 $283,990, this home is listed about 34% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4775 COVE CIRCLE UNIT 103?+
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
$283,990 is 37% below the ST PETERSBURG 33708 median of $450,000, and at $270/sqft it sits under the St Petersburg average of $382.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $808/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
116 days on market against a St Petersburg median of 57 — sellers in this position are usually ready to negotiate.
05Strong 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 HOPKEY REALTY · Michael Dudley. MLS #O6398514.
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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