4550 COVE CIRCLE UNIT 1205, ST PETERSBURG, FL, 33708
Active23 days on marketListed Jul 15, 2026MLS #TB8529286
About this home
4550 COVE CIRCLE UNIT 1205
Experience the ultimate resort-style rental lifestyle at Sea Towers, a premier 55+ guard-gated waterfront community nestled directly on the scenic Intracoastal Waterway in Madeira Beach. This vibrant property is all about the sprawling, beautifully maintained grounds and the unmatched coastal amenities waiting just outside your door. As a tenant, you will enjoy immediate access to two pristine waterfront pools complete with locker facilities, active tennis courts, shuffleboard, and two dedicated picnic areas equipped with BBQ grills for effortless outdoor entertaining. Take a peaceful stroll along the scenic walking path that winds around the central lagoon, or relax on the sun deck and the picturesque walking bridge, which offers front-row seats to captivating Gulf sunsets and daily boat traffic. Demonstrating incredible resilience, nearly all community features have been beautifully rebuilt, and the main clubhouse is currently being completed to soon welcome back a full calendar of indoor social activities. While the resort-style grounds steal the show, this 542-square-foot Studio Condominium serves as the perfect retreat. This property offers a rare opportunity to lease an exceptional waterfront lifestyle wrapped in security, community value, and in a prime location.
Facts & features
The home at a glance
0
Bedrooms
1
Bathrooms
530
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$3
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$171 /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
$171/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs St Petersburg actives
$3 vs $323
Days on market
23 vs 54 typical
Where $3/sqft sits among the 400 St Petersburg 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 St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33708 — neighborhood snapshot
Population
15,306
Median age
61.1
Median income
$83,773
Median home value
$463,700
Avg household
1.9
Households w/ children
600
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $420K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
215 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the ST PETERSBURG 33708 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4550 COVE CIRCLE UNIT 1205
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$125,000
4550 COVE CIRCLE UNIT 605 · same community
0 bd · 1 ba · 530 sqft · $236/sqft · 123 DOM
Sold · May ’26$95,000
4550 COVE CIRCLE UNIT 405 · same community
1 bd · 1 ba · 530 sqft · $179/sqft · 33 DOM
Sold · Apr ’26$112,500
4550 COVE CIRCLE UNIT 207 · same community
1 bd · 1 ba · 860 sqft · $131/sqft · 208 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 4550 COVE CIRCLE UNIT 1205 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4550 COVE CIRCLE UNIT 1205 — 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
4550 COVE CIRCLE UNIT 1205 FAQs
What would the monthly payment be for 4550 COVE CIRCLE UNIT 1205?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $171/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4550 COVE CIRCLE UNIT 1205?+
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 St Petersburg?+
At $1,500, this home is listed about 100% below the St Petersburg median of $431,250. The market section on this page shows how the area is trending.
Which schools are assigned to 4550 COVE CIRCLE UNIT 1205?+
Orange Grove Elementary School (elementary), Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 RE CHAMPIONS · Evan Perrett. MLS #TB8529286.
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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