4775 COVE CIRCLE UNIT 203, ST PETERSBURG, FL, 33708
Active260 days on marketListed Nov 19, 2025MLS #TB8449091
About this home
4775 COVE CIRCLE UNIT 203
REDUCED PRICE! COASTAL ELEGANCE MEETS CHIC INTRACOASTAL LIVING IN THIS STUNNING WATERFRONT CONDO Welcome to your sophisticated waterfront retreat where coastal elegance and modern style converge in one of St. Petersburg's most desirable locations. This beautifully updated condo showcases breathtaking Intracoastal Waterway views and offers an effortlessly chic lifestyle in the exclusive gated community of Continental Towers. Step inside to discover an open floor plan where the kitchen, dining, and living areas flow seamlessly together, all framed by gorgeous water views that create a serene backdrop for daily living and elegant entertaining. The updated kitchen is a masterpiece of coastal sophistication, featuring rich wood cabinetry, elegant stone countertops, premium stainless steel appliances, and a wine refrigerator perfect for the discerning host. The spacious kitchen island provides additional prep space and casual seating, while a dedicated pantry closet ensures abundant storage for all your culinary essentials. The convenience of an IN-UNIT washer/dryer combo adds to the ease of everyday living. The primary bedroom suite serves as your private waterfront sanctuary, complete with an ensuite bathroom featuring a walk-in shower and a bonus sunroom where you can savor your morning coffee while drinking in stunning Intracoastal views. The guest bedroom offers generous space with a walk-in closet, and a full hall bathroom serves guests with style and convenience. Beyond your front door (literally adjacent to the building offering easy access), resort-style amenities await including two sparkling community pools, tennis courts, shuffleboard courts, and a fishing pier, all within a secure gated community with 24-hour guard service. The community is currently undergoing exciting renovations including clubhouse updates following post-hurricane improvements. Boat slips are in the process of being reconstructed with only 13 remaining available for separate deeded purchase at $40,000 each with a $380 monthly maintenance fee that includes electric and water. Covered parking space #203 is owned by the unit and is included in the sale, with additional guest parking conveniently available. The comprehensive condo fee covers an exceptional array of services including cable TV, insurance, exterior and grounds maintenance, pool maintenance, pest control, water, sewer, and trash removal, providing true peace of mind and carefree waterfront living. The current special assessment has been fully paid by the sellers. This is your opportunity to embrace the coastal, chic lifestyle you've been dreaming of in a home that exudes elegance at every turn. Schedule your private showing today and discover waterfront living at its finest!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1971
Year built
One
Levels
$285
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.
$2,344 /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
$2,344/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
−22.6%
$/sqft vs St Petersburg actives
$285 vs $324
Days on market
260 vs 54 typical
Where $285/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)
213 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 34% 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 203
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 203 — 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 203 — 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 203 FAQs
What would the monthly payment be for 4775 COVE CIRCLE UNIT 203?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,344/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 4775 COVE CIRCLE UNIT 203?+
The most recent tax bill on record (2025) was $3,494. 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 203?+
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 $299,000, this home is listed about 32% below the St Petersburg median of $439,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4775 COVE CIRCLE UNIT 203?+
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
$299,000 is 34% below the ST PETERSBURG 33708 median of $450,000, and at $285/sqft it sits under the St Petersburg average of $383.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
260 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 $325,000, now $299,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Leisa Mohler-Erickson. MLS #TB8449091.
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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