4700 COVE CIRCLE UNIT 103, ST PETERSBURG, FL, 33708
Active129 days on marketListed Apr 2, 2026MLS #TB8493191
About this home
4700 COVE CIRCLE UNIT 103
Welcome to this charming ground-floor 2-bedroom, 2-bath condo in the highly sought-after gated community of Sea Towers. Just steps from the sparkling waters of Boca Ciega Bay. The spacious living area is ideal for entertaining, whether hosting a large gathering or a quiet evening at home, and it opens beautifully to the enclosed Florida room. The adjacent dining room, open to both the living room and kitchen, comfortably seats a crowd or creates an intimate setting for two. The remodeled chef’s kitchen is a true standout, featuring extensive cabinetry with pull-out drawers, a large breakfast, with elegant lighting and a ceiling fan complete the space. Retreat to the generous primary bedroom, complete with a wall of closets and peaceful views through triple windows. The second bedroom easily accommodates guests or family, with a large walk-in closet and a conveniently located full bath just steps away. Additional highlights include newer hurricane-rated windows and doors, an extra storage closet in the building, and a dedicated parking space right outside your front door. Laundry is a breeze with the convenient laundry closet located in the kitchen. Sea Towers offers a true resort lifestyle with 24-hour gated security, two heated pools, tennis and pickleball courts, a fishing pier, walking trails, and a beautiful clubhouse featuring a fitness room, sauna, billiards, library, game room, and auditorium for events. Residents love gathering at the waterfront picnic pavilion each evening to enjoy breathtaking sunsets with a glass of wine. Boaters can also lease slips just steps from the building.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,055
Sqft
0.52 ac
Lot size
1969
Year built
One
Levels
$161
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.
$1,406 /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
$1,406/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
−36.1%
$/sqft vs St Petersburg actives
$161 vs $327
Days on market
129 vs 55 typical
Where $161/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 → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
221 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 62% 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 4700 COVE CIRCLE UNIT 103
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$880,000
14600 GULF BOULEVARD UNIT 102
2 bd · 2 ba · 1,070 sqft · $822/sqft · 60 DOM
Sold · Oct ’25$530,000
14050 W PARSLEY DRIVE
3 bd · 2 ba · 1,094 sqft · $484/sqft · 169 DOM
Sold · May ’26$580,000
14900 GULF BOULEVARD UNIT 206
2 bd · 2 ba · 1,100 sqft · $527/sqft · 91 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 4700 COVE CIRCLE UNIT 103 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4700 COVE CIRCLE UNIT 103 — 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
4700 COVE CIRCLE UNIT 103 FAQs
What would the monthly payment be for 4700 COVE CIRCLE UNIT 103?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,406/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 4700 COVE CIRCLE UNIT 103?+
The most recent tax bill on record (2025) was $2,050. 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 4700 COVE CIRCLE UNIT 103?+
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 $169,900, this home is listed about 60% below the St Petersburg median of $430,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4700 COVE CIRCLE UNIT 103?+
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
Four things that matter here
01Under the ST PETERSBURG 33708 market on paper
$169,900 is 62% below the ST PETERSBURG 33708 median of $450,000, and at $161/sqft it sits under the St Petersburg average of $382.
02Time on market is leverage
129 days on market against a St Petersburg median of 55 — sellers in this position are usually ready to negotiate.
03Strong 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.
04The price has already moved
Listed at $189,900, now $169,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Spencer Dean. MLS #TB8493191.
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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