David Ramirez
$172,9002 bd2 ba1,050 sqft$165 /sqft$1,340 /mo all-in ↓

2618 COVE CAY DRIVE UNIT 109, CLEARWATER, FL, 33760

Active17 days on marketListed Jul 19, 2026MLS #TB8525745

WaterfrontCondominiumCOVE CAY 26-18 VILLAGE I

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

WaterfrontGolf Course & Water view

Inside

FlooringCeramic Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Crown Molding · Living Room/Dining Room Combo · Solid Surface Counters · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryOther
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofBuilt-Up
ConstructionBlock · Stucco
FoundationSlab
ViewGolf Course · Water
FacesSouth
ParkingGuest
ExteriorLighting · Sliding Doors

Community & fees

Taxes (2025)$1,026/yr
PetsCats OK
CommunityBay/Harbor Front · Association Recreation - Owned · Buyer Approval Required · Deed Restrictions · Gated Community - Guard · Golf · Restaurant · Special Community Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · 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.

$1,340 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,018
FHA mortgage insurance (est.)$76
Property tax — 2025 actual bill$86
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,052Loan30-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% · $6,052
Interest rate6.00%
Loan term

Estimated payment

$1,340/mo

Principal & interest$1,018
FHA mortgage insurance (est.)$76
Property taxes (actual bill)$86
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 $173K
$166KedgeAI estimate $197,446 · range $187K$220K$229K

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

164 · this home
130
53
17
8
27
$117–207$207–297$297–386$386–476$476–566$566+

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 2618 COVE CAY DRIVE UNIT 109 inside its neighborhood boundary

Drive times from this address

Tampa Int’l Airport (TPA)25 min
Downtown Tampa29 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 marketBalanced5.1 months of inventoryBuyer’s 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

Jul 19, 2026Listed at $172,900 · 17 days on market since
1973Built · COVE CAY 26-18 VILLAGE I

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.

2618 COVE CAY DRIVE UNIT 403Sold · Aug ’25

$106,000

2618 COVE CAY DRIVE UNIT 403 · same community

2 bd · 2 ba · 1,050 sqft · $101/sqft · 57 DOM

2618 COVE CAY DRIVE UNIT 801Sold · Mar ’26

$195,000

2618 COVE CAY DRIVE UNIT 801 · same community

2 bd · 2 ba · 1,050 sqft · $186/sqft · 151 DOM

2618 COVE CAY DRIVE UNIT 206Sold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2618 COVE CAY DRIVE UNIT 109 — start here.

Andrew Acosta

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

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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.

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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