4725 COVE CIRCLE UNIT 804, ST PETERSBURG, FL, 33708
Active268 days on marketListed Nov 20, 2025MLS #TB8449585
About this home
4725 COVE CIRCLE UNIT 804
Discover the perfect blend of comfort, style, and breathtaking views in this exclusive 55+ waterfront community nestled on the shores of Boca Ciega Bay. Introducing a meticulously updated one-bedroom, one-bath condo, prominently positioned on the eighth floor to offer unobstructed waterfront vistas from every window. As you enter this exquisite property, you'll be greeted by a newly remodeled kitchen that features solid wood cabinets and pristine quartz countertops, setting the stage for culinary exploration in a sophisticated environment. The seamless transition into the living and dining areas illustrates an open floor plan that maximizes both space and scenic views. The living areas are adorned with luxury vinyl flooring that extends into the spacious master bedroom, creating a consistent and modern feel throughout the home. The master suite is a true retreat, equipped with two large built-in closets and direct access to a well-appointed bathroom, offering privacy and convenience. Additionally, this room boasts a private entrance to the lanai where one can relax and soak in the picturesque scenes of Boca Ciega Bay below. The Columbia Building, in which this unit is housed, is well-maintained and enhanced with a recently replaced roof and freshly painted exterior, ensuring peace of mind for its residents. The Seatowers community has successfully completed all milestone inspections, further attesting to its commitment to excellence and safety. Living in Seatowers means indulging in an active, enriching lifestyle thanks to a myriad of on-site amenities designed specifically for the active adult. This 24-hour gated community is not only safe but vibrant, offering numerous social and recreational activities just moments away from your doorstep. 2 Heatpools,Tennis,pickleball,shuffle board, EV Stations as well as coming soon-2026(Marina ans Renovated Club House which will contain a full GYM, billards, activites and socal center, you will be able to purchase useage rights or rent a slip for your boat at yor own private marina!) This property isn't just a home; it's a lifestyle choice for those who seek tranquility, security, and community in a stunning waterfront setting. Embrace the opportunity to live life to the fullest in this premier 55+ community, where every day feels like a vacation. Seller Finaincing Available!!!(This unit can also be rented instead of purchased-1 yr lease) So you have so many options to make this your new home!!!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
815
Sqft
1970
Year built
One
Levels
$274
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 and the real association fee — not generic estimates.
$2,474 /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
$2,474/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
+41%
$/sqft vs St Petersburg actives
$274 vs $336
Days on market
268 vs 58 typical
Where $274/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 → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
228 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 53% 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 4725 COVE CIRCLE UNIT 804
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$205,000
4725 COVE CIRCLE UNIT 207 · same community
2 bd · 2 ba · 1,040 sqft · $197/sqft · 59 DOM
Sold · Jun ’26$205,000
4725 COVE CIRCLE UNIT 207 · same community
2 bd · 2 ba · 1,040 sqft · $197/sqft · 34 DOM
Sold · Jan ’26$180,000
4725 COVE UNIT 309 · same community
2 bd · 2 ba · 1,040 sqft · $173/sqft · 1 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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4725 COVE CIRCLE UNIT 804 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4725 COVE CIRCLE UNIT 804 — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4725 COVE CIRCLE UNIT 804 FAQs
What would the monthly payment be for 4725 COVE CIRCLE UNIT 804?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,474/mo — principal and interest, the actual property-tax bill, the $734/mo association fee 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.
How much are the HOA fees at 4725 COVE CIRCLE UNIT 804?+
The association fee works out to $734 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4725 COVE CIRCLE UNIT 804?+
The most recent tax bill on record (2024) was $2,019. 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 4725 COVE CIRCLE UNIT 804?+
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 $223,000, this home is listed about 49% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4725 COVE CIRCLE UNIT 804?+
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.
The brief
Five things that matter here
01Under the ST PETERSBURG 33708 market on paper
$223,000 is 53% below the ST PETERSBURG 33708 median of $469,950, and at $274/sqft it sits under the St Petersburg average of $381.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $734/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
268 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Orange Grove Elementary School, Osceola Middle School, Richard O Jacobson Technical High School At Seminole — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of NEXTHOME LUXE COASTAL · Patricia Hughes. MLS #TB8449585.
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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