2617 COVE CAY DRIVE UNIT 604, CLEARWATER, FL, 33760
Active362 days on marketListed Aug 12, 2025MLS #D6143407
About this home
2617 COVE CAY DRIVE UNIT 604
Discover the beauty of waterfront living in this stylishly updated 2-bedroom, 2-bath condo at sought-after Cove Cay Village 1 in Clearwater. Perched on the 6th floor, this 1,050 sq ft home offers sweeping views of Old Tampa Bay from the main living areas and enclosed porch, creating a peaceful, coastal backdrop to everyday life. Step inside to a light-filled, open layout accented with sleek tile flooring throughout. The kitchen stands out with granite countertops, crisp white cabinetry, matching appliances, and a tray ceiling with crown molding detail. Recent upgrades include a brand-new kitchen faucet and updated plumbing, adding both style and functionality. The adjoining dining area flows seamlessly into the oversized living room, where a wall of windows frames the sparkling bay. The primary suite features a generous walk-in closet and an ensuite bath with dual sinks and a walk-in shower. The second bedroom is well-sized and situated near the guest bath with a tub/shower combination. Your own private laundry and storage room—located just steps from the front door on the same floor—offers convenience and extra space. Cove Cay Village 1 delivers a resort-like lifestyle with a renovated clubhouse, card and social rooms, sauna, fitness center, heated pool and spa, and shuffleboard courts. Optional memberships are available for golf at the Cove Cay Golf Club or boating at the Cove Cay Marina. With its prime location, upgraded finishes, and unmatched water views, this home is move-in ready for your next chapter in Florida living. Schedule your private showing today. Kitchen appliances, countertop, cabinets done in 2017. Primary bath full upgrade 2017, tile floor throughout 2017, roof replaced 2020. Some electrical outlets updated 2025, interior paint 2023, kitchen faucet and plumbing 2025. New A/C 2022.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1972
Year built
One
Levels
$213
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.
$1,653 /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
$1,653/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
+32%
$/sqft vs Clearwater actives
$213 vs $227
Days on market
362 vs 55 typical
Where $213/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 → $306K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
226 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 28% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2617 COVE CAY DRIVE UNIT 604
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$185,000
2617 COVE CAY DRIVE UNIT 505 · same community
2 bd · 2 ba · 1,050 sqft · $176/sqft · 244 DOM
Sold · Jan ’26$160,000
2617 COVE CAY DRIVE UNIT 709 · same community
1 bd · 1.5 ba · 810 sqft · $198/sqft · 60 DOM
Sold · Jul ’26$119,000
2617 COVE CAY DRIVE UNIT 306 · same community
1 bd · 1 ba · 650 sqft · $183/sqft · 336 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
Gianfranco Di Flumeri Petrelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2617 COVE CAY DRIVE UNIT 604 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2617 COVE CAY DRIVE UNIT 604 — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2617 COVE CAY DRIVE UNIT 604 FAQs
What would the monthly payment be for 2617 COVE CAY DRIVE UNIT 604?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,653/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 2617 COVE CAY DRIVE UNIT 604?+
The most recent tax bill on record (2024) was $914. 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 2617 COVE CAY DRIVE UNIT 604?+
The listing reports pets: Cats OK, Number Limit, 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 $223,900, this home is listed about 19% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2617 COVE CAY DRIVE UNIT 604?+
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
$223,900 runs 28% above the CLEARWATER 33760 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
362 days on market against a Clearwater median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $230,000, now $223,900 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE FLORIDA HOMES · Sheri Adams. MLS #D6143407.
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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