David Ramirez
$275,0002 bd2 ba1,070 sqft$257 /sqft$2,173 /mo all-in ↓

3400 COVE CAY DRIVE UNIT 4E, CLEARWATER, FL, 33760

Active40 days on marketListed Jun 23, 2026MLS #TB8518074

WaterfrontCondominiumCOVE CAY VILLAGE IV

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

WaterfrontGarden & Golf Course & Park/Greenbelt & Trees/Woods & Water viewNegotiable

Inside

FlooringLaminate
AppliancesDishwasher · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofMembrane
ConstructionBlock · Stucco
FoundationSlab
ViewGarden · Golf Course · Park/Greenbelt · Trees/Woods · Water
FacesWest
ExteriorBalcony · Fire Pit · Garden · Irrigation System · Lighting · Private Entrance · Private Mailbox · Sliding Doors

Community & fees

Taxes (2025)$3,268/yr
PetsNo
CommunityBay/Harbor Front · Marina · Private Boat Ramp · Water Access · Waterfront · Buyer Approval Required · Clubhouse · Gated Community - Guard · Golf · Pool · Restaurant · Special Community Restrictions · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fire Hydrant · Sewer Connected · Sprinkler Meter · Street Lights · Underground Utilities · Water Connected
WaterPublic

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%

Principal & interest$1,619
FHA mortgage insurance (est.)$122
Property tax — 2025 actual bill$272
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,625Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,625
Interest rate6.00%
Loan term

Estimated payment

$2,173/mo

Principal & interest$1,619
FHA mortgage insurance (est.)$122
Property taxes (actual bill)$272
Est. insurance$160

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.

List $275K
$200KedgeAI estimate $229,375 · range $208K$258K$286K

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

157
115 · this home
69
21
9
28
$114–193$193–272$272–350$350–429$429–508$508+

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

Map of 3400 COVE CAY DRIVE UNIT 4E inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)25 min
Downtown Tampa28 min

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

ElementaryBelcher Elementary School★★★★★
MiddleOak Grove Middle School★★★★★
HighPinellas Park High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Clearwater market

Seller’s marketBalanced6.5 months of inventoryBuyer’s 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

Jun 23, 2026Listed at $275,000 · 40 days on market since
1986Built · COVE CAY VILLAGE IV

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.

2700 COVE CAY DRIVE UNIT 2FSold · Sep ’25

$165,000

2700 COVE CAY DRIVE UNIT 2F · same community

2 bd · 2 ba · 1,070 sqft · $154/sqft · 217 DOM

3400 COVE CAY DRIVE UNIT 6BSold · Jan ’26

$229,900

3400 COVE CAY DRIVE UNIT 6B · same community

2 bd · 2 ba · 1,070 sqft · $215/sqft · 51 DOM

2900 COVE CAY DRIVE UNIT 6FSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3400 COVE CAY DRIVE UNIT 4E — start here.

Andrew Acosta

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.

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.

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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