2615 COVE CAY DRIVE UNIT 409, CLEARWATER, FL, 33760
Active264 days on marketListed Nov 13, 2025MLS #TB8447603
About this home
2615 COVE CAY DRIVE UNIT 409
Welcome to this stunning, move-in-ready, FULLY FURNISHED dream home in the beautiful waterfront Cove Cay golfing community! This rare PENTHOUSE CORNER UNIT offers unmatched privacy with no neighbors above and only one shared wall, giving you the peaceful lifestyle you've been looking for. Upgrades include a modern kitchen featuring new stainless steel appliances and soft-close cabinets, fully remodeled bathrooms, granite countertops throughout, chic floating wood tile, craftsman-style troweled ceilings and baseboard moldings, custom-designed closets, built-in bookshelves and shelving in all common areas, and fresh paint throughout - all which enhance the bright and airy ambiance. Enjoy your morning coffee or unwind in the evening in your updated, screened-in Lanai, perfect for soaking in Florida’s golden sunsets reflecting off the Village I pool and Golf Course pond just below. Nestled in a quiet, well-maintained community, you’ll enjoy resort-style amenities including a large heated pool, spa, huge clubhouse with library, a fitness center, and lush landscaped grounds — all designed to give you that resort-style experience with the amenities of a 5-star vacation. Your new home is a short walk to the Cove Cay tennis courts, famous Club Restaurant and nearby Marina - both open to the public and boasting daily specials, unforgettable views, and live entertainment with FULL menus for enjoyable waterfront dining. This home is surrounded by a USGA-rated 18 Hole Championship course, with a PGA Pro at the Clubhouse to help you with your game, and is located only 6–10 minutes from all daily conveniences, including grocery stores, shops, restaurants, libraries, parks, and multiple YMCAs. Cove Cay is also just 10–25 minutes from two airports and some of the nation’s top beaches, including Honeymoon Island State Park and the world-renowned Clearwater and St. Pete Beaches. Unit comes with one assigned, covered parking spot conveniently located closest to the elevators, and a separate, full-size laundry room conveniently located across the entryway that can also be used for storage. Don’t miss your chance to own this carefree, maintenance-friendly oasis that combines comfort, style, and unbeatable location for ALL! Come and see this amazing unit today and make it your tomorrow!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0.93 ac
Lot size
1972
Year built
One
Levels
$236
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.
$2,083 /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
$2,083/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
+46.1%
$/sqft vs Clearwater actives
$236 vs $216
Days on market
264 vs 55 typical
Where $236/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)
220 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 41% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2615 COVE CAY DRIVE UNIT 409
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$149,900
2615 COVE CAY DRIVE UNIT 107 · same community
2 bd · 2 ba · 1,050 sqft · $143/sqft · 104 DOM
Sold · Nov ’25$110,000
2615 COVE CAY DRIVE UNIT 408 · same community
1 bd · 1.5 ba · 810 sqft · $136/sqft · 134 DOM
Sold · Apr ’26$150,000
15699 AVALON AVENUE
3 bd · 1 ba · 1,042 sqft · $144/sqft · 9 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 2615 COVE CAY DRIVE UNIT 409 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2615 COVE CAY DRIVE UNIT 409 — 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
2615 COVE CAY DRIVE UNIT 409 FAQs
What would the monthly payment be for 2615 COVE CAY DRIVE UNIT 409?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,083/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 2615 COVE CAY DRIVE UNIT 409?+
The most recent tax bill on record (2024) was $4,276. 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 2615 COVE CAY DRIVE UNIT 409?+
The listing reports pets: Cats OK, Size Limit, Yes. 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 $247,470, this home is listed about 10% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2615 COVE CAY DRIVE UNIT 409?+
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
$247,470 runs 41% above the CLEARWATER 33760 median.
02Garden & Golf Course & Pool & Water views
The garden and 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
264 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 $274,900, now $247,470 — a $27K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY EXPERTS · Meredith Johnson. MLS #TB8447603.
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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