2620 COVE CAY DRIVE UNIT 307, CLEARWATER, FL, 33760
Active3 days on marketListed Oct 10, 2026MLS #TB8554846
About this home
2620 COVE CAY DRIVE UNIT 307
Virtually Staged. This beautiful third-floor end-unit condominium offers comfort, privacy, and resort-style living in the desirable gated golf course community of Cove Cay. From the moment you enter, you’ll appreciate the expansive views of the Tampa Bay and the manicured golf course. The bright and open layout is ideal for both everyday living and entertaining. The kitchen features modern cabinetry, ceramic tile flooring, and a view of the clubhouse and pool. Both generously sized bedrooms features an abundance of natural light and comfortable retreats. The primary suite includes built-in cabinetry, a walk-in closet, and an updated private bathroom with a glass-enclosed walk-in shower. Additional features include a private laundry and storage room located directly across the hallway exclusively for this unit, complete with a washer and dryer, as well as assigned covered parking conveniently accessible by elevator. Cove Cay is a distinctive waterfront golf course community with lush tropical landscaping, ponds, fountains, and beautifully maintained grounds. Enjoy resort-style amenities, including a swimming pool, clubhouse, 18-hole golf course, on-site dining at the Bayview Grille and Marina Bar, 24-hour gated security, and on-site management. The Cove Cay Community is conveniently located in Pinellas County along Tampa Bay, Cove Cay offers easy access to Clearwater Beach, St. Petersburg, downtown Tampa, shopping, dining, entertainment, and both Tampa International and St. Pete–Clearwater International Airports.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1974
Year built
One
Levels
$176
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.
$1,421 /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
$1,421/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
−10%
$/sqft vs Clearwater actives
$176 vs $232
Days on market
3 vs 70 typical
Where $176/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)
239 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 8% 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 307
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$299,900
2620 COVE CAY DRIVE UNIT 107 · same community
2 bd · 2 ba · 1,050 sqft · $286/sqft · 170 DOM
Sold · Jul ’26$181,000
2620 COVE CAY DRIVE UNIT 207 · same community
2 bd · 2 ba · 1,050 sqft · $172/sqft · 5 DOM
Sold · Dec ’25$142,000
2620 COVE CAY DRIVE UNIT 506 · same community
1 bd · 1.5 ba · 810 sqft · $175/sqft · 102 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2620 COVE CAY DRIVE UNIT 307 — 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 307 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2620 COVE CAY DRIVE UNIT 307 FAQs
What would the monthly payment be for 2620 COVE CAY DRIVE UNIT 307?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,421/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 307?+
The most recent tax bill on record (2025) was $1,094. 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 307?+
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 $184,900, this home is listed about 38% 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 307?+
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
Three things that matter here
01Under the CLEARWATER 33760 market on paper
$184,900 is 8% below the CLEARWATER 33760 median of $199,999, and at $176/sqft it sits under the Clearwater average of $288.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 3 days on market in a Clearwater market that averages 70 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SUN WAVE REALTY LLC · Scott Fellers. MLS #TB8554846.
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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