
2618 COVE CAY DRIVE UNIT 109, CLEARWATER, FL, 33760
Active17 days on marketListed Jul 19, 2026MLS #TB8525745
About this home
2618 COVE CAY DRIVE UNIT 109
Virtually Staged. Enjoy breathtaking views of the Cove Cay Golf Course and sparkling Tampa Bay from this beautifully renovated two-bedroom, two-bath corner condominium. Perfectly positioned on the ground floor for effortless access, this exceptional residence offers the ideal combination of luxury, convenience, and spectacular scenery. Completely renovated from top to bottom, virtually every feature has been updated for today's lifestyle. Major improvements include a 2026 air conditioning system, 2026 impact-resistant windows and the completely new interior space. Throughout the home you'll find new interior doors, elegant 6-inch baseboards, crown moulding in most rooms, updated light switches, modern fixtures, and smooth ceilings with no popcorn. The stunning kitchen is designed to impress with custom cabinetry, beautiful granite countertops, a classic subway tile backsplash, an undermount stainless steel sink with a high-arc faucet, a raised ceiling with recessed lighting, a spacious pantry, and a full suite of new stainless appliances including a French-door refrigerator and drop-in convection range. The luxurious primary suite features a completely redesigned bath showcasing dramatic granite countertops, double undermount sinks, a custom vanity, lighted mirror, beautifully tiled shower, new toilet, updated lighting, and quality finishes throughout. The guest bath has been equally transformed with striking granite, a beautifully tiled tub surround, new vanity, lighted mirror, toilet, and contemporary fixtures. The enclosed and screened porch is accessed via Pella sliding doors and features attractive black slate flooring, creating a comfortable year-round living space where you can relax while enjoying panoramic golf course and Tampa Bay views. A private utility room located just steps from the front door belongs exclusively to this unit and provides approximately 5' x 8' of valuable laundry and storage space, complete with a new entry door. Adding to the appeal, this desirable location is just a short stroll to the Village recreation center, your assigned covered carport, and the Cove Cay Golf Club and Pro Shop. The community is incredibly unique in offering the availability, for separate fees, of a championship 18 hole course, restaurant and full bar open 7 days a week, and a marina within the confines of the community with all things boating and water. Lush landscaping throughout the drive through the community, 24 hour guards and a convenient central location add to the Paradise known as Cove Cay.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$165
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.
$1,340 /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
$1,340/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
−12.4%
$/sqft vs Clearwater actives
$165 vs $227
Days on market
17 vs 55 typical
Where $165/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
$328K → $350K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
224 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 1% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2618 COVE CAY DRIVE UNIT 109
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$106,000
2618 COVE CAY DRIVE UNIT 403 · same community
2 bd · 2 ba · 1,050 sqft · $101/sqft · 57 DOM
Sold · Mar ’26$195,000
2618 COVE CAY DRIVE UNIT 801 · same community
2 bd · 2 ba · 1,050 sqft · $186/sqft · 151 DOM
Sold · May ’26$225,000
2618 COVE CAY DRIVE UNIT 206 · same community
2 bd · 2 ba · 1,050 sqft · $214/sqft · 3 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 2618 COVE CAY DRIVE UNIT 109 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2618 COVE CAY DRIVE UNIT 109 — 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
2618 COVE CAY DRIVE UNIT 109 FAQs
What would the monthly payment be for 2618 COVE CAY DRIVE UNIT 109?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,340/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 2618 COVE CAY DRIVE UNIT 109?+
The most recent tax bill on record (2025) was $1,026. 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 2618 COVE CAY DRIVE UNIT 109?+
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 $172,900, this home is listed about 37% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2618 COVE CAY DRIVE UNIT 109?+
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 FUTURE HOME REALTY INC · Kathleen McDowell. MLS #TB8525745.
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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