2616 COVE CAY DRIVE UNIT 602, CLEARWATER, FL, 33760
Active107 days on marketListed Apr 19, 2026MLS #TB8499244
About this home
2616 COVE CAY DRIVE UNIT 602
INCREDIBLE PRICE IMPROVEMENT! NOW AVAILABLE FOR $159,000! Spectacular views of both Tampa Bay and Cove Cay Golf Course from your living room, bedroom and sunroom! Welcome to this spacious 1-bedroom, 1.5-bath condo in the highly desirable golf community of Cove Cay. One of the few units with water views from both sides, this home features an east-facing sunroom and bedroom for breathtaking sunrises, along with a west-facing entry to enjoy evening sunsets. Take in expansive Tampa Bay views stretching toward downtown Tampa and enjoy views of multiple city fireworks displays on July 4th and New Year’s Eve. The open-concept kitchen features a large granite countertop and breakfast bar, ideal for entertaining. Recent updates include a new A/C (2025), water heater (2021), washer and dryer (2024), stove (2026), remote-controlled blinds in the living room and sunroom (2022), and hurricane-impact windows. Milestone inspections have been completed. Your own private laundry and storage room across the hall, along with additional interior storage, adds convenience and functionality. Residents of Cove Cay enjoy a gated community with 24-hour security and access to a renovated recreation center featuring a fitness center, pool, spa, shuffleboard, and clubhouse with conference room/library, kitchen, dinning area and pool table. The HOA fees cover many amenities including cable TV, internet, water, sewer, and trash, providing added value and convenience. Cove Cay offers a resort-style lifestyle with an on-site golf course, pro shop, marina, and dining options including Bayview Grill and AJ’s Dockside Bar & Grill. The marina includes boat slips, kayak and watercraft rentals, and access to Freedom Boat Club. Ideally located in central Pinellas County, just approximately 0.2 miles to Bayview Grill, 10 minutes to St. Pete–Clearwater International Airport, 25 minutes to Tampa International Airport, and a short drive to the Gulf beaches. No age restrictions make this an excellent opportunity for full-time residents, seasonal use, or investment.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
810
Sqft
0 ac
Lot size
1972
Year built
One
Levels
$196
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.
$1,943 /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
$1,943/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
−3.9%
$/sqft vs Clearwater actives
$196 vs $216
Days on market
107 vs 55 typical
Where $196/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)
220 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 602
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$129,900
2616 COVE CAY DRIVE UNIT 102 · same community
1 bd · 1.5 ba · 810 sqft · $160/sqft · 44 DOM
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
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 602 — 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 602 — 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 602 FAQs
What would the monthly payment be for 2616 COVE CAY DRIVE UNIT 602?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,943/mo — principal and interest, the actual property-tax bill, the $595/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 602?+
The association fee works out to $595 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 602?+
The most recent tax bill on record (2025) was $2,185. 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 602?+
The listing reports pets: Yes. 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 $159,000, 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 602?+
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
$159,000 is 9% below the CLEARWATER 33760 median of $174,950, and at $196/sqft it sits under the Clearwater average of $276.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $595/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04The price has already moved
Listed at $199,000, now $159,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Anne Januario. MLS #TB8499244.
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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