
4775 COVE CIRCLE UNIT 202, ST PETERSBURG, FL, 33708
Active51 days on marketListed Aug 31, 2026MLS #TB8544103
About this home
4775 COVE CIRCLE UNIT 202
Water Views & Resort-Style Living at Sea Cove Towers, The Continental Building. Available for annual and short term leases. Welcome to this bright and airy 1,050 square foot condo offering 2 bedrooms, 2 bathrooms, and a bonus sun room, ideally situated on the second floor for a high and dry unit with added peace of mind. Located in the sought-after 55+ Sea Cove Towers community, this light-filled home offers stunning water views from both the living room and primary bedroom, along with spacious walk-in closets in both bedrooms. Best of all, Madeira Beach is just a one-mile walk away, home to some of the Gulf Coast's most beautiful white sand beaches, laid-back beach bars, shopping and stunning sunsets. The unit is partially furnished, with the option to be fully furnished for short-term rentals. It includes a covered, assigned parking space just steps away, along with a private storage space conveniently located off the shared laundry area, perfect for beach gear, luggage, or seasonal items. Plenty of guest parking is also available for visitors. Rent includes water, sewer, trash, cable, internet, and pest control, offering truly easy, low-maintenance living. Sea Towers is an exceptionally well-maintained, active, waterfront community with something for everyone, from Bingo to Belly Dancing, Texas Hold'em to Tai Chi. With a dedicated social director and a full activities calendar, residents enjoy an incredible range of amenities including two heated pools, a clubhouse, auditorium, beach house patio, beach house picnic and grill area, fitness facility, fishing pier, clubhouse kitchen, lady's card room, lagoon and lagoonside patio, lawn bowling court, library and sitting area, men's card room, additional picnic shelter and grill area, pool table room, putting green, shuffleboard courts, tennis and pickleball courts, a walking track, EV charging stations, marina slips, and beautifully maintained waterfront grounds. The community is also currently undergoing an exciting clubhouse renovation, set for completion in December, adding a state-of-the-art fitness center, billiards room, and auditorium centered around a large, open-concept recreational space for community gatherings and events. Available for an annual lease, or flexible 6-month or 3-month terms. Short-term options are also available at $2,600/month for a 6-month lease, or $2,900/month for a 3-month lease. Rental Terms: An HOA application fee of $100 and a $75 background check fee are payable to the Association. Upon approval, a $100 tenant processing fee applies, along with first month's rent and a security deposit, same as rent, due at signing. Short-term rentals (6 months or shorter) will incur a 13% sales and tourism tax.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0.53 ac
Lot size
1971
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.
$179 /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
$179/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.
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.
$/sqft vs St Petersburg actives
$2 vs $324
Days on market
51 vs 66 typical
Where $2/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
95.9%
Sale-to-list ratio (12 mo)
231 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 100% 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 4775 COVE CIRCLE UNIT 202
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$205,000
4775 COVE CIRCLE UNIT 1008 · same community
2 bd · 2 ba · 1,050 sqft · $195/sqft · 129 DOM
Sold · May ’26$175,000
4775 COVE CIRCLE UNIT 403 · same community
2 bd · 2 ba · 1,050 sqft · $167/sqft · 255 DOM
Sold · Jun ’26$115,000
4775 COVE CIRCLE UNIT 106 · same community
2 bd · 2 ba · 1,050 sqft · $110/sqft · 31 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4775 COVE CIRCLE UNIT 202 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4775 COVE CIRCLE UNIT 202 — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4775 COVE CIRCLE UNIT 202 FAQs
What would the monthly payment be for 4775 COVE CIRCLE UNIT 202?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $179/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 4775 COVE CIRCLE UNIT 202?+
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 $2,295, this home is listed about 99% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4775 COVE CIRCLE UNIT 202?+
Orange Grove Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high), Seminole Middle School (middle) — 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 ST PETE REALTY · Lisa Fay. MLS #TB8544103.
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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