2621 COVE CAY DRIVE UNIT 804, CLEARWATER, FL, 33760
Active230 days on marketListed Dec 26, 2025MLS #TB8450922
About this home
2621 COVE CAY DRIVE UNIT 804
Wooowww! Spectacular view!!! Own your piece of paradise, and live like you are on vacation all year round! The panoramic views off of this 8th floor condo is breathtaking! FULL water views and golf course views from every room! Open floor plan! And many updates throughout! The beautiful kitchen has granite counter tops, trey ceiling, stainless steel appliances, a breakfast bar, and beautiful back splash. Living room is super spacious! The primary bedroom is large with an updated bathroom with a double sink and glass enclosure! There is a large sun room off the master bedroom with an amazing water and golf course view! Enjoy your morning coffee overlooking a stunning view! A sauna in the sun room is included. The unit comes with a separate large storage room located just outside the front door and there are hookups for a washer and dryer in there. The amenities include: clubhouse, heated pool & spa, fitness room with showers and sauna. Plenty of guest parking spaces! Dog friendly community! 24 Hr. security pavilion.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
810
Sqft
0 ac
Lot size
1974
Year built
One
Levels
$265
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.
$2,336 /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
$2,336/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
+54.1%
$/sqft vs Clearwater actives
$265 vs $224
Days on market
230 vs 56 typical
Where $265/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)
230 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 23% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2621 COVE CAY DRIVE 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 · Dec ’25$184,500
1912 ELAINE DRIVE
2 bd · 2 ba · 815 sqft · $226/sqft · 3 DOM
Sold · Sep ’25$173,000
1902 ELAINE DRIVE
2 bd · 2 ba · 815 sqft · $212/sqft · 75 DOM
Sold · Sep ’25$148,000
1821 BOUGH AVENUE UNIT 4
2 bd · 1 ba · 828 sqft · $179/sqft · 151 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2621 COVE CAY DRIVE UNIT 804 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2621 COVE CAY DRIVE UNIT 804 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2621 COVE CAY DRIVE UNIT 804 FAQs
What would the monthly payment be for 2621 COVE CAY DRIVE UNIT 804?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,336/mo — principal and interest, the actual property-tax bill, the $719/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 2621 COVE CAY DRIVE UNIT 804?+
The association fee works out to $719 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2621 COVE CAY DRIVE UNIT 804?+
The most recent tax bill on record (2025) was $1,160. 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 2621 COVE CAY DRIVE UNIT 804?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size 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 $215,000, this home is listed about 22% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2621 COVE CAY DRIVE UNIT 804?+
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
$215,000 runs 23% above the CLEARWATER 33760 median.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $719/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
230 days on market against a Clearwater median of 56 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of GREAT HOMES REALTY INC · Tomoko Ryan. MLS #TB8450922.
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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