CENTURY 21 Edge
$204,500$225,0002 bd2 ba970 sqft$211 /sqft$1,545 /mo all-in ↓

4650 COVE CIRCLE UNIT 209, ST PETERSBURG, FL, 33708

Active149 days on marketListed Mar 18, 2026MLS #TB8485621

Priced 56% below the ST PETERSBURG 33708 medianReduced $21KFully furnishedCondominiumHAMILTON HOUSE THE CONDO

About this home

4650 COVE CIRCLE UNIT 209

Welcome to 4650 Cove Circle, #209, located in beautiful St. Petersburg, Florida, in the Hamilton House Building at Sea Towers! This spacious 2 Bedroom, 2 Full Bath Condo is Florida living at its best. Sea Towers is a highly desirable 55+ waterfront community in beautiful St. Petersburg, Florida. This well-positioned second-floor condo offers comfort, convenience, and a relaxed Florida lifestyle just minutes from the Gulf beaches. This spacious 2-bedroom, 2-bath residence features a bright and functional floor plan that flows effortlessly from the kitchen into the combined living and dining area, creating an open and inviting space that feels larger than the square footage suggests. Large windows bring in natural light while offering partial water views from both the living room and the primary bedroom, providing a peaceful backdrop to everyday living. The primary suite offers a comfortable retreat with an en-suite bathroom and water views, while the second bedroom and full bathroom provide ideal space for guests, a home office, or additional living flexibility. For added peace of mind, all west-facing windows are equipped with hurricane shutters. The seller is including a one-year Homeowner Warranty valued at approximately $450, providing coverage for major appliances as well as plumbing and electrical systems. The Hamilton House is the most conveniently located building in Sea Towers, positioned immediately inside the guard-gated entrance for easy access in and out of the community. The unit also includes a covered parking space and a private 4x4x4 storage locker conveniently located on the same floor, just a few steps away. Additionally, there is currently free washer and dryer usage conveniently located right by the elevators on the first floor. Sea Towers offers an impressive array of resort-style amenities in a beautifully maintained waterfront setting. Residents enjoy two heated pools, saunas, tennis and pickleball courts, shuffleboard, a fitness center, card room, billiards room, and a scenic waterfront grilling and lounge area complete with covered seating and restrooms. The community is well-managed with healthy reserves, and the Milestone Inspection has already been completed. Located just minutes from Madeira Beach, Seminole City Center, grocery stores, restaurants, and shopping, the location offers the perfect balance of convenience and coastal living. Bike to the beach, enjoy nearby waterfront dining, or simply relax within this vibrant and amenity-rich community. This unit also features the only carport in the complex that allows you to drive straight in to park under the carport and easily pull straight out! Information herein is deemed reliable but not guaranteed. Listing Broker/Agent makes no warranties, express or implied, as to the accuracy of any information (including, without limitation, square footage, room sizes, acreage, boundaries, lot lines, schools, utilities, zoning, or condition). Buyer and Buyer’s Agent are advised to independently verify all facts and measurements through inspections, surveys, and appropriate professionals. Seller and/or Listing Agent have not occupied the property (if applicable), and therefore have limited knowledge of the property’s history and condition; representations, if any, are based on available records and visual observation.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

970

Sqft

0.59 ac

Lot size

1970

Year built

One

Levels

$211

Per sqft

Furnished55+ community

Inside

FlooringCarpet · Laminate
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo
LaundryNone
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofOther
ConstructionBlock
FoundationSlab
FacesEast
ExteriorHurricane Shutters

Community & fees

Taxes (2025)$1,088/yr
PetsNo
CommunityGulf/Ocean Front · Waterfront · Clubhouse · Fitness Center · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,545 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,204
FHA mortgage insurance (est.)$90
Property tax — 2025 actual bill$91
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $7,158Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $7,158
Interest rate6.00%
Loan term

Estimated payment

$1,545/mo

Principal & interest$1,204
FHA mortgage insurance (est.)$90
Property taxes (actual bill)$91
Est. insurance$160

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.

List $205K
$192KedgeAI estimate $210,967 · range $200K$241K$250K

vs edgeAI estimate

−3.1%

$/sqft vs St Petersburg actives

$211 vs $340

Days on market

149 vs 58 typical

Where $211/sqft sits among the 400 St Petersburg actives

134 · this home
138
59
28
11
30
$134–271$271–408$408–545$545–682$682–818$818+

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

Map of 4650 COVE CIRCLE UNIT 209

Drive times from this address

Downtown Tampa37 min
Tampa Int’l Airport (TPA)37 min

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

ElementaryOrange Grove Elementary School★★★★★
MiddleOsceola Middle School★★★★★
HighRichard O Jacobson Technical High School At Seminole★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Petersburg market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s 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 56% below the ST PETERSBURG 33708 median. See the full St Petersburg market guide →

Paper trail

This home's history

CurrentPrice reduced to $204,500 $21K
Mar 18, 2026Listed at $225,000 · 149 days on market since
1970Built · HAMILTON HOUSE THE CONDO

Reality check

What actually sold near 4650 COVE CIRCLE UNIT 209

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4650 COVE CIRCLE UNIT 108Sold · Jun ’26

$85,000

4650 COVE CIRCLE UNIT 108 · same community

1 bd · 1 ba · 760 sqft · $112/sqft · 84 DOM

4650 COVE CIRCLE UNIT 406Sold · Mar ’26

$95,000

4650 COVE CIRCLE UNIT 406 · same community

0 bd · 1 ba · 440 sqft · $216/sqft · 0 DOM

14117 PALM STREETSold · Jul ’26

$285,000

14117 PALM STREET

2 bd · 1.5 ba · 936 sqft · $304/sqft · 161 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.

Krystina Allen

Your agent

Krystina Allen

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4650 COVE CIRCLE UNIT 209 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4650 COVE CIRCLE UNIT 209 — before you fall in love.

See it in person

Schedule a tour

Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

4650 COVE CIRCLE UNIT 209 FAQs

What would the monthly payment be for 4650 COVE CIRCLE UNIT 209?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,545/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 4650 COVE CIRCLE UNIT 209?+

The most recent tax bill on record (2025) was $1,088. 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 4650 COVE CIRCLE UNIT 209?+

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 $204,500, this home is listed about 53% 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 4650 COVE CIRCLE UNIT 209?+

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

$204,500 is 56% below the ST PETERSBURG 33708 median of $469,950, and at $211/sqft it sits under the St Petersburg average of $381.

02Move-in furnished

The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.

03Time on market is leverage

149 days on market against a St Petersburg median of 58 — sellers in this position are usually ready to negotiate.

04Strong 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.

05The price has already moved

Listed at $225,000, now $204,500 — a $21K cut. The full history is in the market section below.

Listing courtesy of DALTON WADE INC · Austin James Rankin. MLS #TB8485621.

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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