900 COVE CAY DRIVE UNIT 1F, CLEARWATER, FL, 33760
Active54 days on marketListed Jun 8, 2026MLS #TB8516894
About this home
900 COVE CAY DRIVE UNIT 1F
Experience the Florida Lifestyle You've Been Dreaming About! Welcome to Cove Cay, one of Tampa Bay's most desirable gated waterfront golf communities, where every day feels like a vacation. Perfect as a primary residence, winter retreat, or second home, this beautifully maintained first-floor condo offers the ideal combination of waterfront serenity, resort-style amenities, and low-maintenance living. This spacious 2-bedroom, 2-bath residence overlooks a tranquil canal and mangrove-lined inlet connected to Tampa Bay, creating a peaceful natural backdrop right outside your screened lanai. Enjoy morning coffee while watching native birds and coastal wildlife, or unwind in the evenings with gentle waterfront breezes. Inside, you'll find a bright and inviting floor plan filled with natural light. The updated kitchen features stone countertops, newer appliances, and a convenient in-unit washer and dryer. The generously sized primary suite includes two closets and an en-suite bath with a private water closet and walk-in shower. Tile flooring throughout the main living areas offers easy maintenance, while the bedrooms provide comfort and warmth. Beyond your front door awaits an unmatched Florida lifestyle. Cove Cay is a secure, 24-hour gated community nestled along Tampa Bay and centered around a scenic 18-hole championship golf course. Residents enjoy access to an on-site restaurant and pub, beautifully landscaped grounds, community pools, and the nearby marina offering affordable boat slips, storage, rentals, and easy access to Tampa Bay's waterways. Whether your passion is golf, boating, fishing, or simply enjoying Florida's sunshine, Cove Cay offers it all in one convenient location. You're just minutes from world-famous Gulf beaches, vibrant downtowns, major airports, shopping, dining, and professional sports venues. The monthly maintenance fee makes ownership easy by covering cable, internet, building insurance, water, sewer, trash, lawn care, and pool maintenance—allowing you to spend less time on upkeep and more time enjoying the Florida lifestyle. If you've been searching for an affordable waterfront golf community with exceptional amenities and a true resort atmosphere, this is your opportunity to own a piece of paradise in Tampa Bay.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
1990
Year built
One
Levels
$177
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.
$1,981 /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
$1,981/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
−9.9%
$/sqft vs Clearwater actives
$177 vs $218
Days on market
54 vs 47 typical
Where $177/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)
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 4% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 900 COVE CAY DRIVE UNIT 1F
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 900 COVE CAY DRIVE UNIT 1F — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 900 COVE CAY DRIVE UNIT 1F — 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
900 COVE CAY DRIVE UNIT 1F FAQs
What would the monthly payment be for 900 COVE CAY DRIVE UNIT 1F?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,981/mo — principal and interest, the actual property-tax bill, the $695/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 900 COVE CAY DRIVE UNIT 1F?+
The association fee works out to $695 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 900 COVE CAY DRIVE UNIT 1F?+
The most recent tax bill on record (2025) was $600. 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 900 COVE CAY DRIVE UNIT 1F?+
The listing reports pets: Cats OK. 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 $170,000, this home is listed about 38% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 900 COVE CAY DRIVE UNIT 1F?+
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
01Under the CLEARWATER 33760 market on paper
$170,000 is 4% below the CLEARWATER 33760 median of $177,450, and at $177/sqft it sits under the Clearwater average of $275.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $695/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST PETE REALTY · Mark Baserap. MLS #TB8516894.
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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