2615 COVE CAY DRIVE UNIT 404, CLEARWATER, FL, 33760
Active5 days on marketListed Oct 8, 2026MLS #TB8556355
About this home
2615 COVE CAY DRIVE UNIT 404
RESORT-STYLE LIVING IN THE HIGHLY DESIRABLE COVE CAY GOLF & MARINA COMMUNITY! Welcome to this beautifully updated and spacious 2-bedroom, 2-bathroom condo located on the 4th floor. Enjoy a bright, open living space featuring elegant crown molding and sliding glass doors leading to your private screened-in lanai, where you can relax and take in peaceful views of the pool and lush green space. The well-appointed kitchen offers ample cabinetry, generous counter space, and an attractive tray ceiling. For added convenience, the condo includes a private laundry room located just outside your front door, complete with a full-size washer and dryer and additional storage. Recent improvements include a newer A/C system (2021), hurricane shutters, as well as brand new flooring and updated bathrooms. COVE CAY IS A GOLFER'S AND BOATER'S PARADISE! This beautifully maintained waterfront community offers an 18-hole championship golf course, an on-site marina, and the popular Bayview Pub, creating the perfect setting for enjoying the Florida lifestyle. Golf and marina memberships are available for additional fees. Cove Cay consists of four distinct villages, each with its own pool, clubhouse, and association. Residents can enjoy resort-style amenities, including a heated swimming pool, spa, fitness center, clubhouse with a full kitchen, and card room. A master association oversees community security and common areas. Conveniently located near shopping, dining, entertainment, and the world-famous Gulf Coast beaches, Cove Cay offers the perfect combination of comfort, recreation, and convenience. Whether you're looking for a full-time residence or a seasonal Florida retreat, this condo offers an exceptional opportunity to enjoy resort-style living in a beautiful gated golf and boating community!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0.94 ac
Lot size
1972
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.
$1,548 /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
$1,548/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
+6.5%
$/sqft vs Clearwater actives
$167 vs $227
Days on market
5 vs 71 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)
245 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 12% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2615 COVE CAY DRIVE UNIT 404
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$150,000
15699 AVALON AVENUE
3 bd · 1 ba · 1,042 sqft · $144/sqft · 9 DOM
Sold · Apr ’26$305,000
1945 OAK STREET
2 bd · 2 ba · 1,066 sqft · $286/sqft · 9 DOM
Sold · Apr ’26$290,000
2058 DODGE STREET
2 bd · 2 ba · 1,031 sqft · $281/sqft · 225 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 Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2615 COVE CAY DRIVE UNIT 404 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2615 COVE CAY DRIVE UNIT 404 — 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
2615 COVE CAY DRIVE UNIT 404 FAQs
What would the monthly payment be for 2615 COVE CAY DRIVE UNIT 404?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,548/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 2615 COVE CAY DRIVE UNIT 404?+
The most recent tax bill on record (2025) was $3,369. 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 2615 COVE CAY DRIVE UNIT 404?+
The listing reports pets: Cats OK, 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 $175,000, this home is listed about 41% below the Clearwater median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2615 COVE CAY DRIVE UNIT 404?+
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
$175,000 is 12% below the CLEARWATER 33760 median of $199,999, and at $167/sqft it sits under the Clearwater average of $289.
02Golf Course & Pool & Trees/Woods views
The golf course and pool and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 5 days on market in a Clearwater market that averages 71 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Monika Bartoszcze. MLS #TB8556355.
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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