4775 COVE CIRCLE UNIT 904, ST PETERSBURG, FL, 33708
Active6 days on marketListed Oct 15, 2026MLS #TB8555778
About this home
4775 COVE CIRCLE UNIT 904
Welcome to Paradise in this 1 bedroom, 1 bath with CARPORT, and RARE FULL-SIZE WASHER/DRYER “turnkey” WATERFRONT condo on the NINTH floor plus Florida room for guests. Step inside this bright gem and be impressed with the straight on water view of Boca Ciega Bay. Enjoy watching the dolphins, manatees, boats and birds right from your living room window. This condo is fully updated with wood cabinets, gorgeous granite countertops, top of the line stainless steel appliances, recess lighting, neutral color porcelain tile throughout, updated bathroom with walk-in shower, new interior doors, crown molding, new ceiling fans, NEW STORM DOOR, HURRICANE SHUTTERS and so much more. The Monthly HOA went DOWN in 2026 to $731.94 which covers cable, internet, escrow reserves, insurance, exterior building and grounds maintenance, outside pest control, on-site manager, water, sewer, trash, recreational amenities, and 24-hour security. The Continental Building is well maintained, freshly painted, new ROOF and updated elevators. If you are looking for a quiet peaceful living this is the place! A spectacular active community here at SEA TOWERS: This waterfront community, 55+, offers fantastic amenities - two heated pools; tennis courts; pickle ball; fishing piers; shuffleboard courts; a putting green; and much more! Access to the beaches, nearby restaurants, shopping, John's Pass, Seminole City Center and entertainment which makes this the perfect place to live! This condo is ready for its NEW OWNER! Call today for your private showing of this wonderful unit!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
830
Sqft
1971
Year built
One
Levels
$283
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.
$2,924 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,924/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+66.6%
$/sqft vs St Petersburg actives
$283 vs $325
Days on market
6 vs 66 typical
Where $283/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)
231 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 4775 COVE CIRCLE UNIT 904
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$185,000
4775 COVE CIRCLE UNIT 407 · same community
1 bd · 1 ba · 800 sqft · $231/sqft · 155 DOM
Sold · May ’26$205,000
4775 COVE CIRCLE UNIT 1008 · same community
2 bd · 2 ba · 1,050 sqft · $195/sqft · 129 DOM
Sold · Oct ’25$215,000
4775 COVE CIRCLE UNIT 803 · same community
2 bd · 2 ba · 1,050 sqft · $205/sqft · 79 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4775 COVE CIRCLE UNIT 904 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4775 COVE CIRCLE UNIT 904 — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4775 COVE CIRCLE UNIT 904 FAQs
What would the monthly payment be for 4775 COVE CIRCLE UNIT 904?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,924/mo — principal and interest, the actual property-tax bill, the $731/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 4775 COVE CIRCLE UNIT 904?+
The association fee works out to $731 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4775 COVE CIRCLE UNIT 904?+
The most recent tax bill on record (2025) was $3,783. 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 4775 COVE CIRCLE UNIT 904?+
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 $235,000, this home is listed about 45% below the St Petersburg median of $424,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4775 COVE CIRCLE UNIT 904?+
Orange Grove Elementary School (elementary), Richard O Jacobson Technical High School At Seminole (high), Seminole Middle School (middle) — 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
$235,000 is 56% below the ST PETERSBURG 33708 median of $535,000, and at $283/sqft it sits under the St Petersburg average of $371.
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 $731/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 6 days on market in a St Petersburg market that averages 66 — if it fits, move quickly.
05Strong assigned schools
Orange Grove Elementary School, Richard O Jacobson Technical High School At Seminole, Seminole Middle School — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Caroleanne Vorac. MLS #TB8555778.
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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