4575 COVE CIRCLE UNIT 101, ST PETERSBURG, FL, 33708
Active32 days on marketListed Jul 10, 2026MLS #TB8528026
About this home
4575 COVE CIRCLE UNIT 101
Welcome to the Florida lifestyle you've been dreaming of! This beautifully renovated ground-floor corner unit in the gated 55+ waterfront community of Sea Towers offers 2 spacious bedrooms, 2 stunning bathrooms, and everything brand new, making it completely move-in ready. The bright, open floor plan features a gorgeous new kitchen, luxury finishes, and designer touches throughout. The private primary suite includes a beautifully updated en-suite bath, while the second bedroom and full bath provide the perfect space for guests or a home office. Enjoy resort-style living with two heated pools, a fitness center, tennis courts, fishing piers, walking paths, an active clubhouse, and 24-hour guard-gated security. Just minutes from Madeira Beach, shopping, dining, and the Gulf beaches, this is your opportunity to enjoy carefree waterfront living at its finest.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0.01 ac
Lot size
1973
Year built
One
Levels
$186
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.
$1,514 /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
$1,514/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
−45%
$/sqft vs St Petersburg actives
$186 vs $333
Days on market
32 vs 57 typical
Where $186/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)
224 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 57% 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 4575 COVE CIRCLE UNIT 101
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$880,000
14600 GULF BOULEVARD UNIT 102
2 bd · 2 ba · 1,070 sqft · $822/sqft · 60 DOM
Sold · Jun ’26$260,000
451 VIRGINIA AVENUE
2 bd · 1 ba · 1,008 sqft · $258/sqft · 2 DOM
Sold · Aug ’25$305,000
14067 MARGUERITE DRIVE
2 bd · 2 ba · 1,008 sqft · $303/sqft · 91 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4575 COVE CIRCLE UNIT 101 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4575 COVE CIRCLE UNIT 101 — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4575 COVE CIRCLE UNIT 101 FAQs
What would the monthly payment be for 4575 COVE CIRCLE UNIT 101?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,514/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 4575 COVE CIRCLE UNIT 101?+
The most recent tax bill on record (2025) was $1,435. 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 4575 COVE CIRCLE UNIT 101?+
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 $195,000, this home is listed about 55% 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 4575 COVE CIRCLE UNIT 101?+
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
Three things that matter here
01Under the ST PETERSBURG 33708 market on paper
$195,000 is 57% below the ST PETERSBURG 33708 median of $450,000, and at $186/sqft it sits under the St Petersburg average of $382.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Strong 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 KELLER WILLIAMS TAMPA PROPERTIES · Gloria Steele. MLS #TB8528026.
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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