4650 COVE CIRCLE UNIT 311, ST PETERSBURG, FL, 33708
Active17 days on marketListed Sep 24, 2026MLS #TB8550759
About this home
4650 COVE CIRCLE UNIT 311
If you have ever dreamed of owning a waterfront home with tropical views, the time is now! Locations like this are Limited. Views from this 38 acres is ever-changing! Prime sunset orientation! From the minute you walk in the door you’re drawn to the windows overlooking picturesque Independence Cove, the Intracoastal Waterway & Boca Ciega Bay. Well-maintained, FURNISHED home. Exterior storage. Walk/Bike to shopping, restaurants, banking, pharmacy,(the best waterfront) American Legion! The Gulf of Mexico beaches on our 37-mile barrier island are across the bridge which is less than a 1/2 mile from Sea Towers. Minutes to John’s Pass, Seminole City Center, the Veteran’s hospital and WalMart Supercenter. Boat slips/kayak storage & launch available for an additional fee. ***INCLUDED in monthly fees: FREE Washers & Dryers, High-speed WIFI/Cable TV, Sewer/water/trash, Gunite/Inground Pools that are heated/cooled, Weight Room, Billiards Room, Card Rooms, Ping Pong Tables, Tennis/Pickle Ball Courts, Putting Green, Marina, Fishing Docks, Fish Cleaning station, Bike Storage, Wash & Vacuum your auto for FREE on site, 2 Outdoor Grill areas, 3 covered picnic areas, Sidewalks, Exterior Storage, Mail Room, Lobby, Unloading Area, Covered/Reserved Parking, Escrow Reserves Fund, General/Flood insurance, Maintenance Exterior, Professional/On-site Manager/Office performs many services including faxing, Monthly Pest Control, Pool Maintenance, Private Road, Recreational Facilities are owned, 24-Hour Security Gate/Personnel, Irrigation System, Mature Landscaping, Exterior Lighting, Center Elevator, 3 Stairwells*** The Clubhouse is scheduled to open soon!!! It’s been gutted and redone from top to bottom!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
970
Sqft
38 ac
Lot size
1970
Year built
One
Levels
$232
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.
$1,814 /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
$1,814/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
−26.3%
$/sqft vs St Petersburg actives
$232 vs $320
Days on market
17 vs 73 typical
Where $232/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)
257 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 56% 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 4650 COVE CIRCLE UNIT 311
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$195,000
4650 COVE CIRCLE UNIT 409 · same community
2 bd · 2 ba · 970 sqft · $201/sqft · 125 DOM
Sold · Jun ’26$85,000
4650 COVE CIRCLE UNIT 108 · same community
1 bd · 1 ba · 760 sqft · $112/sqft · 84 DOM
Sold · Aug ’26$90,000
4650 COVE CIRCLE UNIT 105 · same community
1 bd · 1 ba · 760 sqft · $118/sqft · 20 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4650 COVE CIRCLE UNIT 311 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4650 COVE CIRCLE UNIT 311 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4650 COVE CIRCLE UNIT 311 FAQs
What would the monthly payment be for 4650 COVE CIRCLE UNIT 311?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,814/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 4650 COVE CIRCLE UNIT 311?+
The most recent tax bill on record (2025) was $2,754. 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 4650 COVE CIRCLE UNIT 311?+
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 $225,000, this home is listed about 46% below the St Petersburg median of $420,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4650 COVE CIRCLE UNIT 311?+
Seminole Middle School (middle), Bauder Elementary School (elementary), 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
$225,000 is 56% below the ST PETERSBURG 33708 median of $515,000, and at $232/sqft it sits under the St Petersburg average of $369.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Seminole Middle School, Bauder Elementary School, Richard O Jacobson Technical High School At Seminole — Bauder Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 RE CHAMPIONS · Jolinda Redling. MLS #TB8550759.
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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