
2620 COVE CAY DRIVE UNIT 601, CLEARWATER, FL, 33760
Active237 days on marketListed Dec 10, 2025MLS #TB8454500
About this home
2620 COVE CAY DRIVE UNIT 601
Wake up every day to a wraparound picture-postcard view. This highly desired 2 bedroom, 2 bath corner condo in beautiful Cove Cay offers water, golf course, and lush green scenery from just every window and even as you walk up to your front door – plus a front-row seat to the pond, fairways, bridge, Tampa Bay and even the Tampa skyline from your raised living room sitting area. Inside, you’ll love the light, airy feel. PGT impact windows (including larger kitchen and guest bedroom windows than the interior units) bring in extra natural light and frame the views. Neutral tile runs throughout the condo for a clean, cohesive look, while fresh paint in soft neutrals and pastels adds a serene, coastal vibe. Both bathrooms are completely updated – the hall bath with a newer vanity, decorator mirror, and stylish tile around the tub, and the primary suite bath with a beautiful shower and a vanity offering plenty of storage. The spacious primary bedroom easily accommodates larger furniture and features a generous walk-in closet. The kitchen is a delight to cook and dine in, with warm wood KraftMaid cabinets, a handy pantry, an eating space with a view, and a raised ceiling trimmed with crown moulding for an extra touch of elegance. Storage is no problem here – the rooms are comfortably sized and closets are plentiful. Even better, the HVAC was replaced in 2024, so you can enjoy perfect temperatures year-round without the worry of a big-ticket replacement. Convenience is also part of the package: your private laundry room is just across the hall from the front door and includes a laundry sink, stackable washer and dryer, and room for shelving or additional storage. A covered carport is included as well. With its corner location, upgraded finishes, abundant storage, and truly stunning views in every direction, this Cove Cay condo offers the Florida lifestyle you’ve been hoping to find. And as for the community of Cove Cay… there is no equal. This gated, 24-hour secured waterfront community feels like a private resort tucked along Tampa Bay. The 18-hole Championship golf course winds gracefully through the grounds and along the bay itself, offering sweeping water views and a setting that’s as relaxing as it is scenic. Whether you’re an avid golfer or simply love the view, the course is available by membership or on a flexible pay-as-you-go basis. The on-site bar and grille is open seven days a week and serves up full menus, cold drinks, and an easy social atmosphere—perfect for casual lunches, sunset dinners, or meeting neighbors who quickly become friends. Boating enthusiasts will appreciate the community marina right within the complex, offering docking and storage options, rentals, food and drink, and that unmistakable salty-breeze lifestyle (all available separately, so you can choose your level of fun). Lush grounds, golf, dining and boating possibilities, a prime central location close to beaches, airports, dining and shopping, and the feeling that every day is a mini-vacation, make it easy to see why this is the paradise known as Cove Cay.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1974
Year built
One
Levels
$219
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.
$1,912 /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
$1,912/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
+16%
$/sqft vs Clearwater actives
$219 vs $218
Days on market
237 vs 55 typical
Where $219/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 31% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2620 COVE CAY DRIVE UNIT 601
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$299,900
2620 COVE CAY DRIVE UNIT 107 · same community
2 bd · 2 ba · 1,050 sqft · $286/sqft · 170 DOM
Sold · Jul ’26$181,000
2620 COVE CAY DRIVE UNIT 207 · same community
2 bd · 2 ba · 1,050 sqft · $172/sqft · 5 DOM
Sold · Dec ’25$142,000
2620 COVE CAY DRIVE UNIT 506 · same community
1 bd · 1.5 ba · 810 sqft · $175/sqft · 102 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 2620 COVE CAY DRIVE UNIT 601 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2620 COVE CAY DRIVE UNIT 601 — 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
2620 COVE CAY DRIVE UNIT 601 FAQs
What would the monthly payment be for 2620 COVE CAY DRIVE UNIT 601?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,912/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 2620 COVE CAY DRIVE UNIT 601?+
The most recent tax bill on record (2024) was $3,559. 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 2620 COVE CAY DRIVE UNIT 601?+
The listing reports pets: Cats OK, Dogs OK. 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 $229,900, this home is listed about 16% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2620 COVE CAY DRIVE UNIT 601?+
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
Three things that matter here
01Positioned at the premium end
$229,900 runs 31% above the CLEARWATER 33760 median.
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
237 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Kathleen McDowell. MLS #TB8454500.
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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