1000 COVE CAY DRIVE UNIT 4D, CLEARWATER, FL, 33760
Active66 days on marketListed May 28, 2026MLS #TB8512451
About this home
1000 COVE CAY DRIVE UNIT 4D
Move-in ready and sold furnished, this beautifully updated 2BR/2BA condo offers effortless waterfront living in a vibrant all-ages community of Cove Cay with 24/7 guarded security. This Unit is located in the desirable Village III. Enjoy serene views of the pool, marina, restaurant, and bay from the oversized screened balcony with access from both the living room and primary suite. Tastefully renovated, the interior features a redesigned kitchen with granite countertops, dark wood cabinetry, glass backsplash, stainless appliances, crown molding, and wood flooring throughout the main living areas and bedrooms. Both bathrooms have been fully updated with granite counters, stylish vanities, glass-enclosed tile showers, and designer finishes. The primary bedroom includes two closets, plus washer and dryer are included. Enjoy maintenance-free living with an all-inclusive HOA covering internet, cable, water, sewer, trash, exterior maintenance, and building insurance. Community amenities include a renovated pool, spa, clubhouse with full kitchen, marina access with boat and kayak rentals, and a newer building roof already completed. Note: The Cove Cay Golf Course and Marina are open to the public. Contact each directly for current rates. Schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
1991
Year built
One
Levels
$223
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.
$1,577 /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
$1,577/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
+14.1%
$/sqft vs Clearwater actives
$223 vs $218
Days on market
66 vs 47 typical
Where $223/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
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
221 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% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 1000 COVE CAY DRIVE UNIT 4D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$174,000
900 COVE CAY DRIVE UNIT 3E · same community
2 bd · 2 ba · 960 sqft · $181/sqft · 30 DOM
Sold · Jun ’26$210,000
1000 COVE CAY DRIVE UNIT 5D · same community
2 bd · 2 ba · 960 sqft · $219/sqft · 48 DOM
Sold · Apr ’26$134,000
900 COVE CAY DRIVE UNIT 1D · same community
2 bd · 2 ba · 960 sqft · $140/sqft · 40 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 1000 COVE CAY DRIVE UNIT 4D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1000 COVE CAY DRIVE UNIT 4D — 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
1000 COVE CAY DRIVE UNIT 4D FAQs
What would the monthly payment be for 1000 COVE CAY DRIVE UNIT 4D?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,577/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 1000 COVE CAY DRIVE UNIT 4D?+
The most recent tax bill on record (2025) was $708. 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 1000 COVE CAY DRIVE UNIT 4D?+
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 $214,500, this home is listed about 22% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1000 COVE CAY DRIVE UNIT 4D?+
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
Three things that matter here
01Positioned at the premium end
$214,500 runs 23% above the CLEARWATER 33760 median.
02Pool & Water views
The pool and water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $215,000, now $214,500 — a $500 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Claudia Williams. MLS #TB8512451.
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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