2800 COVE CAY DRIVE UNIT 4D, CLEARWATER, FL, 33760
Active149 days on marketListed Mar 6, 2026MLS #W7883645
About this home
2800 COVE CAY DRIVE UNIT 4D
Back on the market buyer financing fell through. Move-in ready two bedroom two bath, 4th floor condo located in Clearwater in the well-maintained sought-after guard gated golf course community of Cove Cay. This home features an updated kitchen with wood cabinets, granite countertops, and a pantry, both bathrooms have been updated with vanities that have granite counters, the hall bath has a walk-in shower, and the primary bath has a tub/shower combo. Other resent upgrades include waterproof laminate flooring through-out the home except the baths, and the interior of the unit has been recently painted. This home offers views of the 3rd hole of the golf course from the screened-in lanai and there are no rear neighbors for added privacy. The lanai can be accessed form the living room sliding door or the primary bedroom sliding door. Included with the unit is a covered parking spot and the building has two elevators. The washer and dryer are located in the storage closet off of the lanai. The community also has its own clubhouse and a heated pool which is included in your monthly fee. Also included in the monthly fee is cable TV, internet, 24 -hour guard, sewer, trash and water.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,070
Sqft
1980
Year built
Three Or More
Levels
$182
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.
$1,685 /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
$1,685/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
−2%
$/sqft vs Clearwater actives
$182 vs $218
Days on market
149 vs 47 typical
Where $182/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 2800 COVE CAY DRIVE UNIT 4D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$165,000
2700 COVE CAY DRIVE UNIT 2F · same community
2 bd · 2 ba · 1,070 sqft · $154/sqft · 217 DOM
Sold · Jan ’26$229,900
3400 COVE CAY DRIVE UNIT 6B · same community
2 bd · 2 ba · 1,070 sqft · $215/sqft · 51 DOM
Sold · Jul ’26$155,000
2900 COVE CAY DRIVE UNIT 6F · same community
2 bd · 2 ba · 1,070 sqft · $145/sqft · 215 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 2800 COVE CAY DRIVE UNIT 4D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2800 COVE CAY DRIVE UNIT 4D — 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
2800 COVE CAY DRIVE UNIT 4D FAQs
What would the monthly payment be for 2800 COVE CAY DRIVE UNIT 4D?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,685/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 2800 COVE CAY DRIVE UNIT 4D?+
The most recent tax bill on record (2025) was $3,493. 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 2800 COVE CAY DRIVE UNIT 4D?+
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 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 2800 COVE CAY DRIVE UNIT 4D?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$195,000 runs 11% above the CLEARWATER 33760 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
149 days on market against a Clearwater median of 47 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $208,000, now $195,000 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW REALTY ELITE PARTNERS · Vincent Mina, Jr. MLS #W7883645.
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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