2618 COVE CAY DRIVE UNIT 204, CLEARWATER, FL, 33760
Active163 days on marketListed Feb 23, 2026MLS #TB8478265
About this home
2618 COVE CAY DRIVE UNIT 204
This immaculate, beautifully updated two-bedroom, two-bath residence offers breathtaking views of Tampa Bay and the 17th green of Cove Cay Golf Course. From the moment you enter, your eyes are drawn straight through the extended living space to the spectacular waterfront and golf views beyond. The hurricane-rated slider opens wide and is fully screened, allowing you to enjoy fresh bay breezes year-round with comfort and protection. The kitchen is bright and welcoming with creamy cabinetry, solid surface countertops, an updated ceiling detail with lighting and fan, stainless corner sink, charming window seat, and a brand-new dishwasher. Tile flooring in the kitchen and baths complements the gorgeous luxury vinyl plank flooring that now flows seamlessly throughout the living areas and bedrooms, creating a cohesive, modern look that’s both stylish and durable. The living and dining areas offer flexibility for entertaining, complete with a convenient snack bar and additional storage. Many furniture pieces in the living area are newer, enhancing the fresh, move-in-ready feel of the home. Both bathrooms have been thoughtfully updated, featuring newer shower and tub areas, new faucets, and updated plumbing in each bath. The primary suite offers generous closet space and a large vanity area, while the guest bath includes a tub/shower combination with similar tasteful improvements. Additional upgrades include a brand-new A/C system (2025), three new smoke detectors, and quality PGT impact windows for added peace of mind and energy efficiency. A private laundry room located just across the hall is for the sole use of this unit and includes a full-size washer and dryer along with extra storage space. Covered carport parking is included. Set within the beautifully maintained grounds of Cove Cay, residents enjoy a recently renovated recreation area, 24-hour security, and access to golf, dining, and a marina within the community (available for separate fees). It’s waterfront living, golf course views, and resort-style amenities all in one — the paradise known as Cove Cay.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$171
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.
$1,554 /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
$1,554/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
−8.8%
$/sqft vs Clearwater actives
$171 vs $227
Days on market
163 vs 55 typical
Where $171/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)
224 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 1% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2618 COVE CAY DRIVE UNIT 204
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$106,000
2618 COVE CAY DRIVE UNIT 403 · same community
2 bd · 2 ba · 1,050 sqft · $101/sqft · 57 DOM
Sold · Mar ’26$195,000
2618 COVE CAY DRIVE UNIT 801 · same community
2 bd · 2 ba · 1,050 sqft · $186/sqft · 151 DOM
Sold · May ’26$225,000
2618 COVE CAY DRIVE UNIT 206 · same community
2 bd · 2 ba · 1,050 sqft · $214/sqft · 3 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 2618 COVE CAY DRIVE UNIT 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2618 COVE CAY DRIVE UNIT 204 — 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
2618 COVE CAY DRIVE UNIT 204 FAQs
What would the monthly payment be for 2618 COVE CAY DRIVE UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,554/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 2618 COVE CAY DRIVE UNIT 204?+
The most recent tax bill on record (2025) was $3,067. 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 2618 COVE CAY DRIVE UNIT 204?+
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 Clearwater?+
At $179,900, this home is listed about 35% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2618 COVE CAY DRIVE UNIT 204?+
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.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Kathleen McDowell. MLS #TB8478265.
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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