2621 COVE CAY DRIVE UNIT 203, CLEARWATER, FL, 33760
Active22 days on marketListed Aug 29, 2026MLS #TB8542229
About this home
2621 COVE CAY DRIVE UNIT 203
Tucked inside the gated community of Cove Cay Village II, this second-floor condo puts you close to golf course scenery, a sparkling community pool, and easy Tampa Bay living. At 1,050 square feet, it's been updated with care and ready for its next owner to simply move in. Every major system has been refreshed in recent years: new AC, water heater, refrigerator, and range in 2019, plus a new washer and dryer in 2020. The building's reinforced concrete construction gives it a solid, quiet feel, and covered carport parking keeps your car shaded year-round. Residents enjoy a private clubhouse, swimming pool, all set in a quiet, well-kept neighborhood. Cove Cay Golf and Country Club sits right next door, with golf, dining, and marina options nearby for anyone who wants to make the most of the Florida lifestyle. Just off US Highway 19, you're minutes from St. Pete-Clearwater International Airport and the open water of Old Tampa Bay, with quick access to Tampa, Clearwater, and the beaches beyond. A location that works as well for weekend boaters and golfers as it does for an easy daily commute.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
1974
Year built
Two
Levels
$170
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.
$2,227 /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
$2,227/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
−1.1%
$/sqft vs Clearwater actives
$170 vs $224
Days on market
22 vs 53 typical
Where $170/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 → $336K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
249 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 10% below 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 203
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$110,000
2621 COVE CAY DRIVE UNIT 703 · same community
2 bd · 2 ba · 1,050 sqft · $105/sqft · 71 DOM
Sold · Jun ’26$129,000
2621 COVE CAY DRIVE UNIT 902 · same community
1 bd · 1.5 ba · 810 sqft · $159/sqft · 65 DOM
Sold · Feb ’26$110,000
2621 COVE CAY DRIVE UNIT 302 · same community
1 bd · 1.5 ba · 810 sqft · $136/sqft · 189 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2621 COVE CAY DRIVE UNIT 203 — 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 203 — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2621 COVE CAY DRIVE UNIT 203 FAQs
What would the monthly payment be for 2621 COVE CAY DRIVE UNIT 203?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,227/mo — principal and interest, the actual property-tax bill, the $798/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 203?+
The association fee works out to $798 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 203?+
The most recent tax bill on record (2025) was $1,634. 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 203?+
The listing reports pets: Cats OK, Dogs 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 $179,000, this home is listed about 36% below the Clearwater median of $279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2621 COVE CAY DRIVE UNIT 203?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Bryan Coward PA. MLS #TB8542229.
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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