2614 COVE CAY DRIVE UNIT 106, CLEARWATER, FL, 33760
Active19 days on marketListed Jul 17, 2026MLS #TB8528859
About this home
2614 COVE CAY DRIVE UNIT 106
Stress free Florida living is at your fingertips! With the exception of your electricity, your monthly condo fee covers: cable TV, community pool, reserves, internet, exterior and grounds maintenance, sewer, trash and water. Welcome home to the gated golf community of Cove Cay and this beautifully updated 2-bedroom, 2-bathroom first-floor condo. From the moment you step through the front door, you'll be drawn to the wall of sliding glass doors at the rear of the home, filling the living space with natural light and offering peaceful views of the lush garden beyond. The guest bedroom is conveniently located at the front of the unit and features elevated windows for added privacy along with a generously sized wall closet. Just outside the guest bedroom is your second bath, which is beautifully updated with a step-in shower, modern vanity with extra storage, and stylish finishes. Additional hallway storage closets provide plenty of room for linens and everyday essentials. The spacious primary suite is a relaxing retreat, featuring a large window that allows abundant natural light to pour in, a generously sized closet, and a beautifully renovated en-suite bathroom. The bath boasts an oversized walk-in shower with built-in shelving for convenience and a contemporary stone-style vanity. The kitchen has been tastefully remodeled with elegant quartz countertops, a decorative tile backsplash, beautiful white raised-panel soft-close cabinetry, recessed lighting, and an oversized stainless steel sink. A convenient breakfast bar opens to the living area, making it perfect for casual dining or entertaining. Appliances include a range, microwave, and side-by-side refrigerator with a bottom freezer. The open living and dining areas flow seamlessly to the spacious screened lanai, where you can relax with your morning coffee or unwind in the evenings. The generous outdoor living space truly extends the home's comfortable Florida lifestyle. With recessed lighting throughout, thoughtful updates, and an ideal first-floor location, this move-in-ready condo offers the perfect combination of comfort, style, and low-maintenance living in one of Clearwater's most sought-after Cove Cay offers resort-style living featuring a semi-private 18-hole championship golf course, a full-service marina on Old Tampa Bay. Each of the four residential villages includes a private heated pool, hot tub, clubhouse, and 24-hour gated security. Cove Cay Golf: The community features several premium amenities available to residents and guests for an additional fee: Golf Club: The Cove Cay Golf Club features an 18-hole course with bay views, a driving range, practice facilities, and a pro shop. Marina: A privately owned marina allows access to boat slip rentals, a boat ramp, and watercraft rentals (jet skis, kayaks, and paddle boards). Dining & Events: The on-property Bayview Grill serves daily food and hosts weekend live music, while the Garden View room can accommodate up to 250 guests for events. Fitness & Recreation: Select villages provide updated fitness rooms, saunas, shuffleboard, and a library.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1972
Year built
One
Levels
$200
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.
$1,678 /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
$1,678/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
+23.4%
$/sqft vs Clearwater actives
$200 vs $227
Days on market
19 vs 55 typical
Where $200/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 20% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2614 COVE CAY DRIVE UNIT 106
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$145,000
2614 COVE CAY DRIVE UNIT 406 · same community
2 bd · 2 ba · 1,050 sqft · $138/sqft · 147 DOM
Sold · Apr ’26$120,000
2614 COVE CAY DRIVE UNIT 108 · same community
1 bd · 1.5 ba · 810 sqft · $148/sqft · 53 DOM
Sold · Dec ’25$91,000
2614 COVE CAY DRIVE UNIT 105 · same community
1 bd · 1 ba · 565 sqft · $161/sqft · 6 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 2614 COVE CAY DRIVE UNIT 106 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2614 COVE CAY DRIVE UNIT 106 — 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
2614 COVE CAY DRIVE UNIT 106 FAQs
What would the monthly payment be for 2614 COVE CAY DRIVE UNIT 106?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,678/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 2614 COVE CAY DRIVE UNIT 106?+
The most recent tax bill on record (2025) was $2,272. 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 2614 COVE CAY DRIVE UNIT 106?+
The listing reports pets: Breed Restrictions, Cats OK, Number Limit. 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 $210,000, this home is listed about 24% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2614 COVE CAY DRIVE UNIT 106?+
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 · Vanessa Leonard. MLS #TB8528859.
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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