2616 COVE CAY DRIVE UNIT 105, CLEARWATER, FL, 33760
Active118 days on marketListed Apr 9, 2026MLS #TB8492365
About this home
2616 COVE CAY DRIVE UNIT 105
Welcome to your Cove Cay home with stunning views of the Cove Cay Golf Course and Old Tampa Bay. This spacious 2-bedroom, 2-bath condominium offers a bright and inviting layout in one of the area’s most desirable waterfront communities. The light-filled living room opens to a large ground-floor, fully enclosed lanai, the perfect spot to relax while enjoying beautiful bay and golf course views. The primary suite features a private bathroom, a walk-in closet, and the same views to greet you each morning. Additional conveniences include; a private laundry room with extra storage just across the hall, assigned carport parking, ample guest parking and assessments already paid. The monthly condo fee of $643 includes: Cable TV, high-speed internet, water, sewer, trash, exterior building maintenance, lawn and landscaping care, community pool, escrow reserves fund, building insurance, recreation facilities, 24/7 guarded entrance, and common area taxes. Community Features – Live the Resort Lifestyle at Cove Cay: this gated waterfront community offers an incredible array of amenities including18-hole championship golf course (membership optional), marina with boat & kayak rentals, ramp access, and storage, AJ’s Dockside Grill & Bayview Grill restaurants, heated pool, hot tub, and shuffleboard, renovated clubhouse with gym, sauna, billiards room, library, and a full kitchen. Ideally located near Clearwater Beach, downtown St. Petersburg, Tampa, major airports, shopping, and dining, Cove Cay offers the perfect combination of convenience and coastal lifestyle. Whether you’re looking for a full-time residence, seasonal escape, or investment opportunity, this rare ground-floor unit with spectacular views delivers exceptional value in one of Florida’s most scenic and amenity-rich communities. Ground-floor units with views like this rarely come available—schedule your showing today and welcome home to Cove Cay!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
1.71 ac
Lot size
1972
Year built
One
Levels
$152
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 and the real association fee — not generic estimates.
$1,978 /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
$1,978/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
−6.3%
$/sqft vs Clearwater actives
$152 vs $227
Days on market
118 vs 55 typical
Where $152/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 9% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2616 COVE CAY DRIVE UNIT 105
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$195,000
2616 COVE CAY DRIVE UNIT 301 · same community
2 bd · 2 ba · 1,050 sqft · $186/sqft · 268 DOM
Sold · Dec ’25$135,000
2616 COVE CAY DRIVE UNIT 303 · same community
2 bd · 2 ba · 1,050 sqft · $129/sqft · 8 DOM
Sold · Dec ’25$129,900
2616 COVE CAY DRIVE UNIT 102 · same community
1 bd · 1.5 ba · 810 sqft · $160/sqft · 44 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 2616 COVE CAY DRIVE UNIT 105 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2616 COVE CAY DRIVE UNIT 105 — 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
2616 COVE CAY DRIVE UNIT 105 FAQs
What would the monthly payment be for 2616 COVE CAY DRIVE UNIT 105?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,978/mo — principal and interest, the actual property-tax bill, the $643/mo association fee 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.
How much are the HOA fees at 2616 COVE CAY DRIVE UNIT 105?+
The association fee works out to $643 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2616 COVE CAY DRIVE UNIT 105?+
The most recent tax bill on record (2025) was $1,960. 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 2616 COVE CAY DRIVE UNIT 105?+
The listing reports pets: Cats OK, Number Limit, Size Limit. 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 $159,900, this home is listed about 42% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2616 COVE CAY DRIVE UNIT 105?+
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
Five things that matter here
01Under the CLEARWATER 33760 market on paper
$159,900 is 9% below the CLEARWATER 33760 median of $174,950, and at $152/sqft it sits under the Clearwater average of $276.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $643/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
118 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $179,900, now $159,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Kay Himonetos, LLC. MLS #TB8492365.
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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