4550 COVE CIRCLE UNIT 302, ST PETERSBURG, FL, 33708
Active61 days on marketListed Jun 5, 2026MLS #TB8515538
About this home
4550 COVE CIRCLE UNIT 302
St Petersburg - Sea Towers – This beautifully updated 2 bedroom, 2 bath condo in the desirable Washington Tower, on the Intercoastal Waterway, is an affordable way to have a coveted water view and live the Florida lifestyle. With a water view from almost every room, enjoy watching boats traveling and dolphins playing in the intercoastal, or the dramatic daily sunsets. As you enter the light and bright home, the stunning view entices you further into the open floor plan with a spacious living/dining area and a wonderful multipurpose Florida room. The updated kitchen is complete with stainless appliances, plenty of storage, and granite counters. The Primary suite has an en suite bath, a walk-in closet, and access to the Florida room. With an additional bedroom and guest bath, you can be sure there’s enough space for guests to relax during their visit. The tastefully selected furnishings are included to allow you to move right in. Updated windows with electric hurricane shutters help with peace of mind. Water Heater 2021, Roof 2024, HVAC 2021. This gated community is well maintained, and the Condo fee includes water, sewer, trash, cable, as well as the abundance of amenities, including tennis, a shuffleboard court, a putting green, two waterfront pools, a billiards room, and an active social clubhouse community with indoor pickleball. With extensive outdoor activities – walking path around the lagoon, barbecue grills, putting green, and waterfront pavilion – you won’t want to miss your opportunity with this unit. This active 55+ community has all the amenities you could want, and is located close to the beach, restaurants, shopping, and entertainment.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$227
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.
$2,012 /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
$2,012/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
−46.3%
$/sqft vs St Petersburg actives
$227 vs $324
Days on market
61 vs 54 typical
Where $227/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)
212 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 46% 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 4550 COVE CIRCLE UNIT 302
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$160,000
4550 COVE CIRCLE UNIT 406 · same community
2 bd · 2 ba · 1,100 sqft · $145/sqft · 68 DOM
Sold · Apr ’26$264,000
4550 COVE CIRCLE UNIT 303 · same community
2 bd · 2 ba · 1,100 sqft · $240/sqft · 41 DOM
Sold · May ’26$180,000
4550 COVE CIRCLE UNIT 501 · same community
2 bd · 2 ba · 1,110 sqft · $162/sqft · 168 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 4550 COVE CIRCLE UNIT 302 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4550 COVE CIRCLE UNIT 302 — 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
4550 COVE CIRCLE UNIT 302 FAQs
What would the monthly payment be for 4550 COVE CIRCLE UNIT 302?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,012/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 4550 COVE CIRCLE UNIT 302?+
The most recent tax bill on record (2025) was $3,248. 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 4550 COVE CIRCLE UNIT 302?+
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 $249,900, this home is listed about 43% below the St Petersburg median of $439,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4550 COVE CIRCLE UNIT 302?+
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
$249,900 is 46% below the ST PETERSBURG 33708 median of $460,000, and at $227/sqft it sits under the St Petersburg average of $383.
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 $269,900, now $249,900 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Denise Wilkinson. MLS #TB8515538.
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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