2618 COVE CAY DRIVE UNIT 102, CLEARWATER, FL, 33760
Active7 days on marketListed Sep 13, 2026MLS #TB8548204
About this home
2618 COVE CAY DRIVE UNIT 102
Welcome to 2618 Cove Cay Drive, Unit 102 in Clearwater — a beautifully remodeled first-floor condominium located in the highly desirable Cove Cay community. Completely renovated in 2025, this move-in-ready residence combines modern finishes, comfort, convenience, and the relaxed Florida lifestyle you’ve been looking for. The thoughtfully updated interior offers a fresh, contemporary feel with bright and inviting living spaces designed for both everyday living and entertaining. The first-floor location provides exceptional convenience and easy access, making coming and going effortless. Cove Cay offers a beautiful gated setting surrounded by lush tropical landscaping and scenic golf course views, creating a resort-style atmosphere you’ll enjoy every day. Residents can take advantage of the community’s recreational amenities while enjoying a peaceful environment just minutes from everything Clearwater has to offer. The location is hard to beat — conveniently situated near world-famous Gulf beaches, shopping, restaurants, entertainment, airports, marinas, and major roadways, providing easy access throughout Clearwater, St. Petersburg, Tampa, and the surrounding Tampa Bay area. Whether you’re searching for a full-time residence, seasonal Florida retreat, or investment opportunity, Unit 102 offers the perfect combination of a beautifully renovated home, first-floor convenience, and an outstanding community lifestyle. Move right in and start enjoying everything Cove Cay has to offer. Schedule your private showing today — this one is truly a must-see! Some photos are virtually staged
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
810
Sqft
0 ac
Lot size
1973
Year built
Three Or More
Levels
$185
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.
$1,804 /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
$1,804/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
+6.4%
$/sqft vs Clearwater actives
$185 vs $224
Days on market
7 vs 53 typical
Where $185/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)
248 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 25% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2618 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 · Mar ’26$195,000
2618 COVE CAY DRIVE UNIT 801 · same community
2 bd · 2 ba · 1,050 sqft · $186/sqft · 151 DOM
Sold · May ’26$225,000
2618 COVE CAY DRIVE UNIT 206 · same community
2 bd · 2 ba · 1,050 sqft · $214/sqft · 3 DOM
Sold · Feb ’26$200,000
2618 COVE CAY DRIVE UNIT 706 · same community
2 bd · 2 ba · 1,050 sqft · $190/sqft · 169 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 2618 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 2618 COVE CAY DRIVE UNIT 102 — 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
2618 COVE CAY DRIVE UNIT 102 FAQs
What would the monthly payment be for 2618 COVE CAY DRIVE UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,804/mo — principal and interest, the actual property-tax bill, the $600/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 2618 COVE CAY DRIVE UNIT 102?+
The association fee works out to $600 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2618 COVE CAY DRIVE UNIT 102?+
The most recent tax bill on record (2025) was $1,131. 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 2618 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 $150,000, this home is listed about 46% below the Clearwater median of $279,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2618 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
Four things that matter here
01Under the CLEARWATER 33760 market on paper
$150,000 is 25% below the CLEARWATER 33760 median of $200,000, and at $185/sqft it sits under the Clearwater average of $279.
02Golf Course & Water views
The golf course and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $600/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 7 days on market in a Clearwater market that averages 53 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of OFFERPAD BROKERAGE FL, LLC · James Wible. MLS #TB8548204.
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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