4725 COVE CIRCLE UNIT 804, ST PETERSBURG, FL, 33708
Active67 days on marketListed Jun 1, 2026MLS #TB8514523
About this home
4725 COVE CIRCLE UNIT 804
Not sure if you are ready to commit and buy in St Pete/Madeira....Rent for a year and decide. 55 older Waterfront...1/1 furnished and recently updated. Great ammenties, 2 pools, shuffle Board, Tennis and PickleBall, walking track, EV Stations. Coming this summer the New Recreatation Center with Gym, Billards, activity area(cards, games and private entertainments by the community) and Got a Boat? we have docks available!!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
815
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$173 /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
$173/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs St Petersburg actives
$2 vs $323
Days on market
67 vs 54 typical
Where $2/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 → $420K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
216 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 100% 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 4725 COVE CIRCLE UNIT 804
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$140,000
4725 COVE CIRCLE UNIT 808 · same community
1 bd · 1 ba · 815 sqft · $172/sqft · 165 DOM
Sold · Feb ’26$205,000
4725 COVE CIRCLE UNIT 302 · same community
2 bd · 2 ba · 1,040 sqft · $197/sqft · 13 DOM
Sold · Dec ’25$140,000
4725 COVE CIRCLE UNIT 109 · same community
2 bd · 2 ba · 1,040 sqft · $135/sqft · 38 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 4725 COVE CIRCLE UNIT 804 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4725 COVE CIRCLE UNIT 804 — 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
4725 COVE CIRCLE UNIT 804 FAQs
What would the monthly payment be for 4725 COVE CIRCLE UNIT 804?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $173/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4725 COVE CIRCLE UNIT 804?+
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 $1,800, this home is listed about 100% below the St Petersburg median of $431,250. The market section on this page shows how the area is trending.
Which schools are assigned to 4725 COVE CIRCLE UNIT 804?+
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
$1,800 is 100% below the ST PETERSBURG 33708 median of $462,500, and at $2/sqft it sits under the St Petersburg average of $382.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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 $2,000, now $1,800 — a $200 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NEXTHOME LUXE COASTAL · Patricia Hughes. MLS #TB8514523.
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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