2620 COVE CAY DRIVE UNIT 306, CLEARWATER, FL, 33760
Active12 days on marketListed Oct 1, 2026MLS #TB8549532
About this home
2620 COVE CAY DRIVE UNIT 306
TAMPA BAY VIEWS & RESORT-STYLE LIVING AT COVE CAY! Welcome to this beautifully updated 1-bedroom, 1.5-bath condo in Village 2 of Clearwater’s gated Cove Cay community. From the moment you step inside, you’ll appreciate the bright, open layout and beautiful views of Tampa Bay from nearly every room. The spacious living and dining areas flow seamlessly into the updated kitchen, featuring real wood cabinetry, granite countertops, stainless steel appliances and a breakfast bar—perfect for casual dining and entertaining. The generous primary suite offers beautiful water views, a walk-in closet and updated ensuite bath with updated vanity and a glass-enclosed shower. A convenient half bath is located off the main living area. Carpet provides a comfortable feel in both the living room and bedroom, with tile flooring in the kitchen area and baths. Additional features include hurricane-impact windows for added protection, energy efficiency and noise reduction, along with an HVAC system installed in 2017 and water heater in 2025. One of the highlights of this home is the private screened lanai overlooking Tampa Bay. Enjoy morning coffee, an evening glass of wine or simply relax and take in the peaceful Florida scenery. For added convenience, your private laundry is located just steps from the front door, and the unit includes an assigned covered carport. Cove Cay offers an impressive resort-style lifestyle with a heated pool and spa, clubhouse, fitness center, sauna, shuffleboard, 18-hole golf course, on-site restaurant and guarded gated entry. The community marina offers boating opportunities and water access for those looking to take full advantage of the Tampa Bay lifestyle. Association dues include water, sewer, trash, basic cable, grounds maintenance and pest control, making everyday living even easier. Village 2 also allows one small dog or two cats with approval. Conveniently located near shopping, dining and everyday necessities, with easy access to both St. Pete-Clearwater International Airport and Tampa International Airport, plus Clearwater Beach and the Gulf Coast just a short drive away. Whether you’re looking for a full-time residence or Florida getaway, this beautifully updated Cove Cay condo combines Tampa Bay views, hurricane-impact windows, resort-style amenities and an exceptional Clearwater location. Come see why life at Cove Cay feels like vacation every day! All information deemed accurate, buyer and buyers agent to verify.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
810
Sqft
1 ac
Lot size
1974
Year built
One
Levels
$167
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.
$1,217 /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
$1,217/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
−9.6%
$/sqft vs Clearwater actives
$167 vs $232
Days on market
12 vs 70 typical
Where $167/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)
238 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 32% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2620 COVE CAY DRIVE UNIT 306
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$142,000
2620 COVE CAY DRIVE UNIT 506 · same community
1 bd · 1.5 ba · 810 sqft · $175/sqft · 102 DOM
Sold · Mar ’26$145,000
2620 COVE CAY DRIVE UNIT 502 · same community
1 bd · 1.5 ba · 810 sqft · $179/sqft · 31 DOM
Sold · May ’26$299,900
2620 COVE CAY DRIVE UNIT 107 · same community
2 bd · 2 ba · 1,050 sqft · $286/sqft · 170 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2620 COVE CAY DRIVE UNIT 306 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2620 COVE CAY DRIVE UNIT 306 — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2620 COVE CAY DRIVE UNIT 306 FAQs
What would the monthly payment be for 2620 COVE CAY DRIVE UNIT 306?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,217/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 2620 COVE CAY DRIVE UNIT 306?+
The most recent tax bill on record (2025) was $2,425. 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 2620 COVE CAY DRIVE UNIT 306?+
The listing reports pets: Yes. 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 $135,000, this home is listed about 55% below the Clearwater median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2620 COVE CAY DRIVE UNIT 306?+
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 RE/MAX REALTEC GROUP INC · Peter Dorwin. MLS #TB8549532.
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.
Never miss a listing
New Clearwater homes, in your inbox
Like 2620 COVE CAY DRIVE UNIT 306 but not quite? A daily digest of every new listing in Clearwater — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Frederick to ping you on any price or status change →