2620 COVE CAY DRIVE UNIT 904, CLEARWATER, FL, 33760
Active92 days on marketListed May 4, 2026MLS #TB8504433
About this home
2620 COVE CAY DRIVE UNIT 904
Welcome to Cove Cay, a premier gated waterfront community on Tampa Bay offering true resort-style living in the heart of Clearwater. Surrounded by lush tropical landscaping and meticulously maintained grounds, residents enjoy access to a private marina with boat and kayak opportunities, along with an 18-hole championship golf course that winds throughout the community. Each village features its own clubhouse, heated pool, and spa, creating a relaxed and welcoming atmosphere year-round. Best of all, Cove Cay is an all-ages community with no age restrictions. This beautifully maintained studio-style condo is thoughtfully designed with a spacious and functional layout that maximizes both comfort and flexibility. The open living and dining areas create an inviting flow for everyday living and entertaining, while the well-appointed kitchen offers ample cabinet and counter space. A bright and airy sunroom extends the living space, showcasing beautiful views and providing the perfect spot to relax, work from home, or enjoy your morning coffee. The layout offers a generously sized sleeping area with excellent versatility, along with a well-appointed bathroom and convenient in-unit laundry for added ease. Additional features include a welcoming entry foyer, dedicated dining space, and smart use of storage throughout, making this unit both practical and comfortable. Located just minutes from shopping, dining, and everyday conveniences, this home also offers easy access to St. Pete–Clearwater International Airport and Tampa International Airport. Clearwater Beach and the Gulf Coast’s world-renowned shoreline are just a short drive away, making this an ideal full-time residence, seasonal getaway, or investment opportunity. Experience the perfect blend of comfort, convenience, and coastal lifestyle—don’t miss your opportunity to own in one of Clearwater’s most desirable waterfront communities. Furnishings included if buyer would like.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
565
Sqft
1 ac
Lot size
1974
Year built
One
Levels
$238
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.
$1,164 /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
$1,164/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
+2.4%
$/sqft vs Clearwater actives
$238 vs $216
Days on market
92 vs 55 typical
Where $238/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)
222 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 23% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2620 COVE CAY DRIVE UNIT 904
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$142,000
2620 COVE CAY DRIVE UNIT 506 · same community
1 bd · 1.5 ba · 810 sqft · $175/sqft · 102 DOM
Sold · Mar ’26$145,000
2620 COVE CAY DRIVE UNIT 502 · same community
1 bd · 1.5 ba · 810 sqft · $179/sqft · 31 DOM
Sold · May ’26$299,900
2620 COVE CAY DRIVE UNIT 107 · same community
2 bd · 2 ba · 1,050 sqft · $286/sqft · 170 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 2620 COVE CAY DRIVE UNIT 904 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2620 COVE CAY DRIVE UNIT 904 — 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
2620 COVE CAY DRIVE UNIT 904 FAQs
What would the monthly payment be for 2620 COVE CAY DRIVE UNIT 904?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,164/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 2620 COVE CAY DRIVE UNIT 904?+
The most recent tax bill on record (2025) was $1,827. 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 2620 COVE CAY DRIVE UNIT 904?+
The listing reports pets: Size Limit, 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 $134,500, this home is listed about 51% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2620 COVE CAY DRIVE UNIT 904?+
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 REAL BROKER, LLC · Robert Johnson. MLS #TB8504433.
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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