
3400 COVE CAY DRIVE UNIT 4E, CLEARWATER, FL, 33760
Active40 days on marketListed Jun 23, 2026MLS #TB8518074
About this home
3400 COVE CAY DRIVE UNIT 4E
Cove Cay is one of the area's original planned resort-style communities, offering an active Florida lifestyle surrounded by golf, waterfront scenery, nature, and an abundance of amenities. From the moment you arrive at the gated entrance and security office, you'll feel as though you've entered your own oasis. Meticulously maintained grounds, mature oak trees, gardens, butterfly habitats, and wildlife create a peaceful park-like setting enjoyed year-round. The community offers a remarkable variety of environments and experiences. Enjoy sweeping views of Tampa Bay and the Bayside Bridge, colorful sunrises, ever-changing skies, passing weather patterns, calm waters one day and rolling waves the next, along with boat traffic and water recreation that bring the waterfront to life. Residents enjoy access to a golf course overlooking Tampa Bay, a waterfront restaurant with outdoor patio seating and firepit areas, marina facilities, boat launch access, swimming pool, spa, tiki huts, clubhouse activities, covered parking, convenient elevators, and thoughtfully designed village settings surrounded by beautifully maintained landscaping. Together, these features create an enjoyable lifestyle that allows more time for hobbies, recreation, and socializing with friends and neighbors. Village IV has long been one of the community's most sought-after villages. Available governing documents, reserve information, and inspection reports provide buyers with valuable information when considering ownership. The standout feature of this fourth-floor residence is its exceptional location and view orientation. Positioned at an ideal elevation, the east-facing home captures beautiful sunrise skies, Tampa Bay water views, and multiple greens and tee boxes along the golf course. Many owners appreciate that the fourth floor offers an excellent balance between panoramic views and a comfortable connection to the activity below. The expansive wall-to-wall porch serves as an extension of the living space and creates the perfect setting for morning coffee, entertaining guests, or simply enjoying the scenery. Oversized sliding glass doors bring natural light and views deep into the home, creating a seamless connection between indoor and outdoor living. The living and dining areas flow comfortably from the updated kitchen featuring newer appliances, stainless finishes, and decorative ceiling details. Quality laminate flooring enhances the main living areas, while tile flooring is featured on the porch, in the kitchen, and in the bathrooms. The spacious primary suite offers a walk-in closet, bonus beach closet, updated ensuite bath, and one of the home's most enjoyable features—waking up to water, golf course, and sunrise views right from your bed. Bedroom two offers a large closet and bright window. Additional improvements include a newer air conditioning system and water heater. The kitchen was thoughtfully extended to take advantage of additional window light, and the private laundry room is conveniently located on the porch. Just steps from the front door are two elevators and a nearby trash chute for everyday convenience. If you have not yet experienced the unique lifestyle that Cove Cay offers, and discover one of Clearwater's most distinctive waterfront and golf course communities. Schedule your private tour today and experience the views, amenities, and lifestyle that make this residence such a special place to call home. Furnishings neg, Premium cable, low util.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,070
Sqft
1986
Year built
One
Levels
$257
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.
$2,173 /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
$2,173/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
+19.9%
$/sqft vs Clearwater actives
$257 vs $218
Days on market
40 vs 47 typical
Where $257/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)
219 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 57% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 3400 COVE CAY DRIVE UNIT 4E
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$165,000
2700 COVE CAY DRIVE UNIT 2F · same community
2 bd · 2 ba · 1,070 sqft · $154/sqft · 217 DOM
Sold · Jan ’26$229,900
3400 COVE CAY DRIVE UNIT 6B · same community
2 bd · 2 ba · 1,070 sqft · $215/sqft · 51 DOM
Sold · Jul ’26$155,000
2900 COVE CAY DRIVE UNIT 6F · same community
2 bd · 2 ba · 1,070 sqft · $145/sqft · 215 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 3400 COVE CAY DRIVE UNIT 4E — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3400 COVE CAY DRIVE UNIT 4E — 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
3400 COVE CAY DRIVE UNIT 4E FAQs
What would the monthly payment be for 3400 COVE CAY DRIVE UNIT 4E?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,173/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 3400 COVE CAY DRIVE UNIT 4E?+
The most recent tax bill on record (2025) was $3,268. 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 3400 COVE CAY DRIVE UNIT 4E?+
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 Clearwater?+
At $275,000, this home is priced right at the Clearwater median.
Which schools are assigned to 3400 COVE CAY DRIVE UNIT 4E?+
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 KELLER WILLIAMS REALTY- PALM HARBOR · Don Moore. MLS #TB8518074.
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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