4725 COVE CIRCLE APT 609, ST PETERSBURG, FL, 33708
Active2 days on marketListed Oct 19, 2026MLS #TB8556555
About this home
4725 COVE CIRCLE APT 609
Welcome to your dream WATERFRONT retreat in a premier, gated 55+ resort-style community! This beautifully updated 2-bedroom, 2-bathroom condo with COVERED PARKING offers the perfect blend of modern luxury and effortless coastal living. From the moment you step into the light and airy entryway—complete with extra built-in closets—you are greeted by an expansive living and dining combo featuring gorgeous views of the canal and the sparkling Intracoastal waters of Boca Ciega Bay. The heart of the home is a beautifully renovated kitchen, fully equipped with premium granite countertops, modern white cabinetry, a spacious pantry, stainless steel appliances, and newly added inset lighting for a bright, welcoming culinary experience. The living space flows seamlessly into a massive Florida room, providing an ideal bonus office setup with front-row seats to the waterfront. Both viewpoints are fully protected by hurricane shutters and convenient remote-controlled blinds. Retreat to the oversized primary suite, which serves as a private oasis featuring an en-suite bathroom and a vast walk-in closet equipped with an IN-UNIT WASHER DRYER. Your guests will enjoy absolute privacy as the second bedroom also boasts its own dedicated en-suite bath. Storage is never an issue here, thanks to an in-unit utility room and an additional assigned storage closet located just down the hall next to the elevators and main laundry area. Situated on over 40 beautifully maintained acres, this fully funded, gated community features full-time management and a no-pet policy. The incredibly comprehensive HOA fee covers water, trash, sewer, cable, internet, exterior insurance, and all exterior/grounds maintenance, alongside total access to the unparalleled amenities. Enjoy 2 heated pools, a marina with direct access to the Intracoastal, and a brand-new clubhouse complete with an entertainment stage, billiards, a fully equipped gym, and a relaxing massage room. Active residents will love the tennis courts, pickleball, shuffleboard, cornhole, kayak racks, grilling areas, and the 3 community fishing docks currently being restored. Step outside to watch the dolphins play, or head just outside the gates to explore Madeira Beach’s world-class sandy beaches, vibrant nightlife, exceptional dining, shopping, and public transit. OH did I forget to mention it FULLY FURNISHED bring your bathing suits and flipflops and start living the waterfront life style you deserve.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,040
Sqft
0 ac
Lot size
1970
Year built
One
Levels
$207
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.
$2,715 /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
$2,715/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
−8.7%
$/sqft vs St Petersburg actives
$207 vs $324
Days on market
2 vs 66 typical
Where $207/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 60% 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 4725 COVE CIRCLE APT 609
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$205,000
4725 COVE CIRCLE UNIT 207 · same community
2 bd · 2 ba · 1,040 sqft · $197/sqft · 59 DOM
Sold · Jun ’26$205,000
4725 COVE CIRCLE UNIT 207 · same community
2 bd · 2 ba · 1,040 sqft · $197/sqft · 34 DOM
Sold · Jan ’26$180,000
4725 COVE UNIT 309 · same community
2 bd · 2 ba · 1,040 sqft · $173/sqft · 1 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 4725 COVE CIRCLE APT 609 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4725 COVE CIRCLE APT 609 — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4725 COVE CIRCLE APT 609 FAQs
What would the monthly payment be for 4725 COVE CIRCLE APT 609?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,715/mo — principal and interest, the actual property-tax bill, the $817/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 4725 COVE CIRCLE APT 609?+
The association fee works out to $817 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4725 COVE CIRCLE APT 609?+
The most recent tax bill on record (2025) was $2,003. 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 4725 COVE CIRCLE APT 609?+
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 $215,000, this home is listed about 49% 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 4725 COVE CIRCLE APT 609?+
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
$215,000 is 60% below the ST PETERSBURG 33708 median of $535,000, and at $207/sqft it sits under the St Petersburg average of $371.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $817/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 2 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 NEXTHOME LUXE COASTAL · Patricia Hughes. MLS #TB8556555.
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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