
2614 COVE CAY DRIVE UNIT 204, CLEARWATER, FL, 33760
Active41 days on marketListed Jul 1, 2026MLS #TB8524954
About this home
2614 COVE CAY DRIVE UNIT 204
Waterfront Resort Style Living in Clearwater! Updated 2 Bedroom, 2 Bathroom Condominium overlooking the 10th Fairway. Step into the Unit to a Renovated Kitchen. The Kitchen features Quartz Counters, Stainless Steel Appliances, plenty of Raised Panel Cabinetry, a Double Basin Sink, and Ceramic Tile Flooring. Dine either atop the Kitchen Island or the adjoining Dining Room. The interior finishes in the Living Room include Wood Laminate Flooring on the Diagonal, Crown Molding, Plantation Shutters, a Built-in Bookcase, Chair Railing, and a Ceiling Fan. The Primary Suite feels light and bright. It has a Ceiling Fan, a Walk-in Closet with Custom Shelving, and an En-Suite Bathroom. There is Glass Enclosed Walk-in Shower, Private Toilet Closet, and Long Vanity in the Primary Bathroom. The Second Bedroom is also in excellent condition with a Ceiling Fan, an Accent Wall, and a Dual Closet. It shares a Full Bathroom with Tub-Shower. A Washer and Dryer are immediately outside the Unit and has additional Storage Space. The stellar amenities at the Cove Cay Gated Community include 2 Restaurants, Marina, Pool, Spa, Fitness Center, Clubhouse, Sauna, and Access with a Fee to the 18 Hole Golf Course. The Tenant is responsible for Electricity while Basic Internet/Cable, Water, Sewer, and Trash are included in the Rental Rate. 1 spayed/neutered cat permitted (pet screening and owner approval are required) with $350 non-refundable pet fee. The property is Professionally Managed and Maintained. There is a one-time $150 Administration Fee and $75 Application Fee for each applicant 18 years or older. Applicants should have a minimum 625 Credit Score, Gross Monthly Income of at least 2.5 times the Monthly Rent, and stable Rental History (no Evictions or Tenant Collections).
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
1.3 ac
Lot size
1972
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /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
$172/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Clearwater actives
$2 vs $226
Days on market
41 vs 54 typical
Where $2/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 → $330K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
227 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 99% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2614 COVE CAY DRIVE UNIT 204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$145,000
2614 COVE CAY DRIVE UNIT 406 · same community
2 bd · 2 ba · 1,050 sqft · $138/sqft · 147 DOM
Sold · Apr ’26$120,000
2614 COVE CAY DRIVE UNIT 108 · same community
1 bd · 1.5 ba · 810 sqft · $148/sqft · 53 DOM
Sold · Dec ’25$91,000
2614 COVE CAY DRIVE UNIT 105 · same community
1 bd · 1 ba · 565 sqft · $161/sqft · 6 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
Leliana Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2614 COVE CAY DRIVE UNIT 204 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2614 COVE CAY DRIVE UNIT 204 — before you fall in love.
See it in person
Schedule a tour
Live availability from Leliana's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2614 COVE CAY DRIVE UNIT 204 FAQs
What would the monthly payment be for 2614 COVE CAY DRIVE UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 2614 COVE CAY DRIVE UNIT 204?+
The listing reports pets: Cats 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 $1,700, this home is listed about 99% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2614 COVE CAY DRIVE UNIT 204?+
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
Three things that matter here
01Under the CLEARWATER 33760 market on paper
$1,700 is 99% below the CLEARWATER 33760 median of $175,000, and at $2/sqft it sits under the Clearwater average of $276.
02Golf Course & Trees/Woods views
The golf course and trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $1,950, now $1,700 — a $250 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COASTAL PIONEER REALTY · Mike Shorr. MLS #TB8524954.
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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