2614 COVE CAY DRIVE UNIT 409, CLEARWATER, FL, 33760
Active15 days on marketListed Jul 18, 2026MLS #TB8530451
About this home
2614 COVE CAY DRIVE UNIT 409
Enjoy the Florida lifestyle in the desirable gated community of Cove Cay! This beautifully updated 2-bedroom, 2-bath end-unit condo offers approximately 1,050 square feet of comfortable living space in this gated golf and waterfront community along Tampa Bay. Located on the fourth floor with no neighbors above, this end unit provides added privacy along with an abundance of natural light. The kitchen updates include, new flooring, new backsplash, counters, disposal and dishwasher. Both of the bathrooms have been completely remodeled. Other recent updates include new electrical panel and newer water heater. The building elevator and roof have been recently replaced. This unit comes with a storage/laundry closet just outside in the hall. Complete with shelving and full size washer/dryer. Each unit has an assigned covered parking and plenty of guest parking. Your monthly condo fee covers: cable TV, community pool, reserves, internet, exterior and grounds maintenance, sewer, trash and water. Cove Cay is known for its scenic setting on Tampa Bay, featuring an 18-hole golf course, a private marina, boat and kayak rentals along with a remodeled clubhouse with gym, sauna, library, billards and kitchen. AJ's Dockside grill and Bayview grill restaurants are on site. The perfect maintenance-free lifestyle. Whether you enjoy golfing, boating, or simply taking in the beautiful surroundings, there's something for everyone. With this desirable end-unit location, and updated interior, this condo is an excellent opportunity for year-round living, a winter getaway, or an investment. Cove Cay is ideally located near Clearwater Beach, Tampa, Clearwater St. Pete airport , Tampa airport, shopping and dining, Don't miss your chance to own in one of Clearwater's best-kept waterfront communities!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
1.3 ac
Lot size
1972
Year built
One
Levels
$186
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.
$1,593 /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
$1,593/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
+14.4%
$/sqft vs Clearwater actives
$186 vs $218
Days on market
15 vs 47 typical
Where $186/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
$332K → $335K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
221 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 11% 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 409
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 409 — 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 409 — 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 409 FAQs
What would the monthly payment be for 2614 COVE CAY DRIVE UNIT 409?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,593/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 409?+
The most recent tax bill on record (2025) was $2,381. 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 409?+
The listing reports pets: Yes. 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 $195,000, this home is listed about 29% 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 409?+
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 COASTAL PROPERTIES GROUP INTERNATIONAL · Renate Feyerabend. MLS #TB8530451.
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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