2621 COVE CAY DRIVE UNIT 606, CLEARWATER, FL, 33760
Active131 days on marketListed Mar 28, 2026MLS #TB8489841
About this home
2621 COVE CAY DRIVE UNIT 606
Virtually Staged. Welcome to this beautifully maintained residence in ever popular Village 2 of Cove Cay, where sweeping panoramic views capture the lush fairways, sparkling community pool, and shimmering Tampa Bay in the distance. This inviting 6th floor condo offers a rare combination of comfort, updates, and lifestyle—perfect for full-time living or a seasonal retreat. Major improvements provide peace of mind, including updated HVAC and windows in 2025, along with a new water heater installed in 2026 and an updated electric panel. Inside, the main living areas are enhanced with attractive vinyl plank flooring, creating a clean, modern feel throughout. The spacious layout includes a versatile enclosed porch/bonus room featuring a large hurricane-rated window—an ideal space for a home office, reading nook, or simply relaxing while enjoying the picturesque surroundings. The generously sized bedroom offers a tranquil retreat with an en-suite bath complete with granite countertops and a large walk-in closet. A stylishly updated half bath adds convenience for guests. Additional highlights include a private laundry room located just across the hall, equipped with a full-size washer and dryer, as well as a covered carport for added convenience. Residents of Cove Cay enjoy access to a beautifully maintained recreation area just a short stroll away, featuring a pool, spa, fitness center, sauna, billiards room, library, and a spacious clubhouse for social gatherings. Offered at an exceptional value, this is a unique opportunity to enjoy the Cove Cay lifestyle with breathtaking views and major updates already in place. Clean as a whistle and move in ready. Lush landscaping, full time security, sparkling pool and spa area, golf, dining and boating available in your community and more make this the Paradise Found known as Cove Cay.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
810
Sqft
1.97 ac
Lot size
1974
Year built
One
Levels
$154
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.
$1,157 /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
$1,157/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
−12.1%
$/sqft vs Clearwater actives
$154 vs $226
Days on market
131 vs 55 typical
Where $154/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)
219 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 30% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2621 COVE CAY DRIVE UNIT 606
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$129,000
2621 COVE CAY DRIVE UNIT 902 · same community
1 bd · 1.5 ba · 810 sqft · $159/sqft · 65 DOM
Sold · Feb ’26$110,000
2621 COVE CAY DRIVE UNIT 302 · same community
1 bd · 1.5 ba · 810 sqft · $136/sqft · 189 DOM
Sold · Sep ’25$147,500
2621 COVE CAY DRIVE UNIT 206 · same community
1 bd · 1.5 ba · 810 sqft · $182/sqft · 22 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 2621 COVE CAY DRIVE UNIT 606 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2621 COVE CAY DRIVE UNIT 606 — 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
2621 COVE CAY DRIVE UNIT 606 FAQs
What would the monthly payment be for 2621 COVE CAY DRIVE UNIT 606?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,157/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 2621 COVE CAY DRIVE UNIT 606?+
The most recent tax bill on record (2025) was $2,471. 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 2621 COVE CAY DRIVE UNIT 606?+
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 $125,000, this home is listed about 55% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2621 COVE CAY DRIVE UNIT 606?+
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
01Under the CLEARWATER 33760 market on paper
$125,000 is 30% below the CLEARWATER 33760 median of $177,450, and at $154/sqft it sits under the Clearwater average of $276.
02Golf Course & Pool & Water views
The 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
131 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 $139,900, now $125,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Kathleen McDowell. MLS #TB8489841.
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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