4575 COVE CIRCLE UNIT 1003, ST PETERSBURG, FL, 33708
Active5 days on marketListed Oct 6, 2026MLS #TB8554405
About this home
4575 COVE CIRCLE UNIT 1003
SPECTACULAR WATERFRONT VIEWS, BREATHTAKING SUNSETS & TURNKEY FLORIDA LIVING! Welcome to Sea Towers, a desirable 55+ gated waterfront condominium community in St. Petersburg, Florida! Perched on the 10th floor, this beautifully remodeled, 2-bedroom, 2-bath condo with an ASSIGNED CARPORT offers panoramic views of the Intracoastal Waterway, Boca Ciega Bay, and the Gulf of Mexico. Whether you're searching for a year-round residence, seasonal retreat, or move-in-ready Florida waterfront condo, this exceptional property delivers the coastal lifestyle you've been dreaming of! Step inside and discover a bright, inviting interior featuring luxury waterproof vinyl plank flooring installed in 2022, tasteful updates, and expansive windows showcasing spectacular water views. The beautifully updated kitchen features GRANITE COUNTERTOPS, a tray ceiling with updated lighting, a newer refrigerator, and a convenient breakfast bar. Both bathrooms feature updated vanities with granite countertops and modern lighting, while the primary bathroom offers a spacious WALK-IN SHOWER. Additional improvements include a 2019 A/C system, 2020 water heater, 2023 Alumiconn electrical conversion, HURRICANE-IMPACT WINDOWS, and STORM SHUTTERS for added protection and peace of mind. Offered TURNKEY FURNISHED, this waterfront retreat makes settling into the Florida lifestyle effortless! Imagine beginning your mornings watching dolphins and manatees in the sparkling waters below, enjoying the passing boats and coastal wildlife throughout the day, and ending each evening with BREATHTAKING GULF COAST SUNSETS from the comfort of your living room. These extraordinary WATERFRONT VIEWS create a peaceful, picturesque setting you'll never tire of! SEA TOWERS offers an exceptional RESORT-STYLE 55+ LIFESTYLE with two heated swimming pools, tennis courts, fishing piers, shuffleboard, a putting green, fitness center, saunas, and a variety of organized social activities. Enjoy waterfront walking areas, beautiful coastal surroundings, and an active community atmosphere. LOCATION, LOCATION, LOCATION! Conveniently situated near MADEIRA BEACH, JOHN'S PASS VILLAGE & BOARDWALK, SEMINOLE CITY CENTER, waterfront dining, shopping, entertainment, and the beautiful Gulf beaches. Enjoy easy access to everything that makes the St. Petersburg and Tampa Bay area such a sought-after Florida destination. Whether you're looking for a WATERFRONT CONDO, a 55+ RETIREMENT COMMUNITY, a seasonal Florida getaway, or low-maintenance coastal living, this 10TH-FLOOR GEM is an opportunity you won't want to miss! LIFE IS SHORT — LIVE ON THE WATER! Schedule your private showing today and experience the views, lifestyle, and amenities that make Sea Towers so special!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,040
Sqft
1973
Year built
One
Levels
$268
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.
$3,059 /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
$3,059/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
−21%
$/sqft vs St Petersburg actives
$268 vs $313
Days on market
5 vs 73 typical
Where $268/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)
242 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 46% 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 4575 COVE CIRCLE UNIT 1003
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$880,000
14600 GULF BOULEVARD UNIT 102
2 bd · 2 ba · 1,070 sqft · $822/sqft · 60 DOM
Sold · Jun ’26$260,000
451 VIRGINIA AVENUE
2 bd · 1 ba · 1,008 sqft · $258/sqft · 2 DOM
Sold · Feb ’26$276,900
14140 E PARSLEY DRIVE
2 bd · 2.5 ba · 1,008 sqft · $275/sqft · 45 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 4575 COVE CIRCLE UNIT 1003 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4575 COVE CIRCLE UNIT 1003 — 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
4575 COVE CIRCLE UNIT 1003 FAQs
What would the monthly payment be for 4575 COVE CIRCLE UNIT 1003?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,059/mo — principal and interest, the actual property-tax bill, the $821/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 4575 COVE CIRCLE UNIT 1003?+
The association fee works out to $821 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4575 COVE CIRCLE UNIT 1003?+
The most recent tax bill on record (2025) was $3,757. 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 4575 COVE CIRCLE UNIT 1003?+
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 $278,900, this home is listed about 34% 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 4575 COVE CIRCLE UNIT 1003?+
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
Five things that matter here
01Under the ST PETERSBURG 33708 market on paper
$278,900 is 46% below the ST PETERSBURG 33708 median of $515,000, and at $268/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.
03Know the monthly fee
The association fee is $821/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 5 days on market in a St Petersburg market that averages 73 — if it fits, move quickly.
05Strong 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 FUTURE HOME REALTY INC · Caroleanne Vorac. MLS #TB8554405.
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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