2614 COVE CAY DRIVE UNIT 102, CLEARWATER, FL, 33760
Active106 days on marketListed Jul 9, 2026MLS #TB8527390
About this home
2614 COVE CAY DRIVE UNIT 102
This 1-bedroom, 1.5-bath first-floor condo in gated Cove Cay offers 810 square feet of extensively remodeled living in Clearwater. Renovated in 2025, the condo features a new HVAC system, new water heater, updated electrical and plumbing, luxury vinyl plank flooring, and a redesigned kitchen. The 2025 kitchen renovation includes quartz countertops, new soft-close cabinets and drawers, and a full suite of appliances installed in 2025. Comfortable living and dining areas provide flexible everyday space, while the spacious primary bedroom includes a renovated full bath with a tub. A separate half bath provides added convenience. The extensive renovation addressed both finishes and major components, reducing the list of immediate updates for the next owner. Just outside the condo, a private laundry room is located directly across the hall for dedicated laundry and storage space only steps from the front door. An assigned parking space is also included. A screened patio overlooks green space and extends the living area outdoors. Cove Cay amenities include a community pool, clubhouse, fitness center, and 24-hour staffed gated entrance. Golf and marina access are available within the community for an additional fee. The $611 monthly condominium fee includes cable, internet, water, sewer, trash, exterior maintenance, building insurance, and flood insurance. Built in 1972 and extensively renovated in 2025, this first-floor Clearwater condo offers updated finishes and major system improvements within a gated community convenient to shopping, dining, airports, and Gulf beaches. Leasing is permitted after two years of ownership with a minimum six-month lease term, subject to the condominium association's current rules and regulations.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
810
Sqft
0 ac
Lot size
1972
Year built
One
Levels
$204
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.
$1,447 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,447/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+25.7%
$/sqft vs Clearwater actives
$204 vs $248
Days on market
106 vs 61 typical
Where $204/sqft sits among the 400 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 → $324K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
229 of 400
Clearwater actives have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% 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 102
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$120,000
2614 COVE CAY DRIVE UNIT 108 · same community
1 bd · 1.5 ba · 810 sqft · $148/sqft · 53 DOM
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 · 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2614 COVE CAY DRIVE UNIT 102 — 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 102 — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2614 COVE CAY DRIVE UNIT 102 FAQs
What would the monthly payment be for 2614 COVE CAY DRIVE UNIT 102?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,447/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 2614 COVE CAY DRIVE UNIT 102?+
The most recent tax bill on record (2025) was $978. 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 2614 COVE CAY DRIVE UNIT 102?+
The listing reports pets: Cats OK. 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 $165,000, this home is listed about 45% below the Clearwater median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2614 COVE CAY DRIVE UNIT 102?+
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
$165,000 is 17% below the CLEARWATER 33760 median of $199,500, and at $204/sqft it sits under the Clearwater average of $295.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $169,900, now $165,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GREEN STAR REALTY, INC. · Elena Chinea Ivani. MLS #TB8527390.
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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