Neighborhood · Clearwater, Florida
Cove Cay
Gated golf-course living minutes from Tampa Bay
36
Homes for sale
$179,450
Median list price
$197
Avg price / sqft
66
Median days on market
Cove Cay is a gated community tucked along Tampa Bay's edge in eastern Clearwater, built around a golf course and defined by low-rise condo buildings and easy water views. It's the kind of place where the guard gate, the tree canopy, and the marina channel set the pace — quiet, secure, and close to everything without feeling like it's in the middle of it. With Tampa International Airport about 25 minutes away and downtown Tampa around 29, it's a genuine bridge between the beach side of Pinellas and the working core of the bay. Buyers who like the idea of Clearwater homes for sale but want a gated address with amenities tend to land here.
The market today is approachable: 34 active listings with a median list price of $179,900, ranging from $85,000 up to $275,000. Homes are trading at about $201 per square foot on a median size near 960 square feet, so this is condo-scale living rather than sprawling single-family lots. With a median 76.5 days on market and sellers netting about 94% of asking, there's room to negotiate — a contrast to tighter enclaves like Imperial Cove or the beachfront demand around Sand Key.
Cove Cay is a community in Clearwater, Florida.
Quick facts
$85,000 – $300K price range
960 sqft median home
$706/mo median HOA
$1,675/mo median rent
45 sold in 12 months
Drive times
On the market now
Homes for sale in Cove Cay
View all 36 →
$235,000
2617 COVE CAY DRIVE UNIT 702, CLEARWATER
1 bd · 1 ba · 810 sqft
$237,900
3300 COVE CAY DRIVE UNIT 7D, CLEARWATER
2 bd · 2 ba · 1,070 sqft
$190,000
2900 COVE CAY DRIVE UNIT 4B, CLEARWATER
2 bd · 2 ba · 1,070 sqft
$150,000
2617 COVE CAY DRIVE UNIT 103, CLEARWATER
1 bd · 1.5 ba · 810 sqft
$150,000
2618 COVE CAY DRIVE UNIT 102, CLEARWATER
1 bd · 1.5 ba · 810 sqft
$135,900
2618 COVE CAY DRIVE UNIT 108, CLEARWATER
1 bd · 1.5 ba · 810 sqft
$179,000
2621 COVE CAY DRIVE UNIT 203, CLEARWATER
2 bd · 2 ba · 1,050 sqft
$300,000
900 COVE CAY DRIVE UNIT 2B, CLEARWATER
2 bd · 2 ba · 960 sqft
$245,000$249,000
3300 COVE CAY DRIVE UNIT 6G, CLEARWATER
3 bd · 2 ba · 1,345 sqft
$134,500
2620 COVE CAY DRIVE UNIT 904, CLEARWATER
1 bd · 1 ba · 565 sqft
$199,900$225,000
3300 COVE CAY DRIVE UNIT 1C, CLEARWATER
2 bd · 2 ba · 1,070 sqft
$85,000
2621 COVE CAY DRIVE UNIT 105, CLEARWATER
1 bd · 1 ba · 565 sqft
Every active listing inside the Cove Cay boundary
Open full map search →Find your fit
Browse Cove Cay
By feature — on the live map
Where the market lives
The numbers that matter
The Cove Cay market
45
Sold, last 12 months
$160,000
Median sold price
94%
Sale-to-list ratio
What sellers actually get vs asking
71 days
Median time to sell
Cove Cay vs Clearwater
Median list price
Price per sqft
Days on market
Median sold price — 3-yr, 3-mo rolling
▼ 11.0% yr/yr
Homes sold per month
Live Stellar MLS data — every listing and closed sale inside the Cove Cay boundary. Rolling medians smooth single-month swings in small communities.
For the school run
Schools Cove Cay is zoned for
Attendance boundaries overlapping this community — always verify zoning with the district.
What it really costs
Owning here
Owning the median Cove Cay home
≈ $2,019/mo
$179,450 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
$706/mo
Median HOA
From current listings inside the boundary
$1,675/mo
Median rent
Homes for rent inside the boundary
Population
1,073
Median age
61
Median income
$62,580
Median home value
$189,303
Beyond the listings
Living in Cove Cay
Hobbies & Interests
Top 23% in the U.S.Engine Enthusiast
This population loves working on and showing off their cars, trucks and motorcycles. You can find them researching car shows and the hottest models on the lot.
Lifestyles
Top 24% in the U.S.Wealth Signaling
Interested in the finer things life has to offer, this population wants to display their lifestyle by discussing luxury products. Often references jewelry, cars, and home features.
Relationships
Networking
Driven to succeed in the business world, this population seeks to progress in their career through networking happy hours, summits, and connecting with other professionals online.
Food & Drink
Fueling for Fitness
A population characterized by healthy eating. Often pre-planning for meals for the purpose of fitness and convenience. Likely to participate in meal prep trends.
Appearance oriented
Fitness Fashion
Workout clothes aren't just for working out anymore. This population enjoys wearing name-brand athletic apparel for fashion and functional purposes.
Appearance oriented
Men's Style
This population is all about finding the latest in men's style - from fashion to grooming. Captures guys looking to stay on trend and significant others assisting with shopping.
People who close here
Our Clearwater experts
Straight answers
Cove Cay FAQs
Is Cove Cay a good place to live?+
It's a gated, golf-course community on the bay side of Clearwater that trades big-lot square footage for security, amenities, and location. With most of its 34 active listings inside the gates and a dozen offering waterfront views, it suits buyers who want a low-maintenance, view-forward lifestyle close to both the beaches and Tampa.
Is Cove Cay expensive?+
Not by Clearwater waterfront standards — the median list price is $179,900, with listings running from $85,000 to $275,000 and none above $1M. That makes it one of the more attainable ways to buy inside a gated bayfront community, especially compared with beach markets like Sand Key.
What do homes cost in Cove Cay?+
Expect condo-scale pricing: about $201 per square foot on a median home size near 960 square feet. Over the last 12 months, 49 homes sold at a median price of $160,000, and current active listings sit at a $179,900 median.
How is the market in Cove Cay right now?+
It's a measured, buyer-friendly market with 34 active listings and a median 76.5 days on market. Sellers are getting about 94% of asking on average, so there's genuine room to negotiate rather than the bidding-war pace you'd see in tighter Clearwater pockets.
What about HOA fees and taxes?+
The median HOA runs about $712 per month, which is typical for a gated condo community that covers amenities and grounds. Median property taxes are a modest $2,326 per year, and if you're weighing renting, the median rent here is around $1,750 per month.
Keep exploring
More Clearwater neighborhoods
Neighborhood boundary by edgeAI; listings matched to the polygon. 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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