2900 COVE CAY DRIVE UNIT 7F, CLEARWATER, FL, 33760
Active4 days on marketListed Nov 3, 2026MLS #TB8557125
Come see it
Upcoming open house
Sun, Nov 8
12:00 PM – 2:00 PM
About this home
2900 COVE CAY DRIVE UNIT 7F
LIVE THE FLORIDA LIFESTYLE AT COVE CAY! Enjoy resort-style living in this beautifully updated TOP-FLOOR condo located in a gated community with 24-hour guarded security. This inviting residence features an open-concept kitchen renovated in 2020 with white cabinetry, granite countertops, and porcelain tile flooring. Both bathrooms have been completely remodeled, and both bedrooms feature bamboo wood floors. Relax on the 20-foot enclosed balcony with glass doors and screen enclosure, for enjoying all the Florida seasons offering sweeping golf course views. Major updates include a NEW central A/C system (2025) with automatic algae washout and condensate drain-line maintenance system, which includes a transferable 10-year warranty, tankless hot water heater (2018), fresh interior paint (2024). Off the porch, is a storage area/laundry room with full size bespoke all in one washer dryer combo (2024), very convenient to the main bedroom. Enjoy Cove Cay's exceptional amenities, including a pool, heated spa, marina, and golf club. Play the public 18-hole championship golf course or enjoy dining at the onsite Bayview Pub & Grill open 7 days a week. Assigned covered parking conveniently located near the elevator adds to the appeal. There is nothing to do in this exceptional condo, which combines luxury, comfort, and unmatched views along with a high quality and well cared for interior except to move in. Whether you're seeking a year-round residence or a seasonal Florida getaway, this move-in-ready condo offers the perfect blend of comfort, convenience, and resort-style living. Come experience the Cove Cay lifestyle!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,070
Sqft
1.6 ac
Lot size
1981
Year built
One
Levels
$266
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.
$2,554 /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
$2,554/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
+51%
$/sqft vs COVE CAY VILLAGE IV
$266 vs $180
Days on market
4 vs 55 typical
Where $266/sqft sits among the 8 homes for sale in COVE CAY VILLAGE IV
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
1,221
Median age
58
Median income
$75,113
Median home value
$219,331
Avg household
2
Households w/ children
58%
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
$330K → $275K
Clearwater median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
6 of 8
COVE CAY VILLAGE IV have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2900 COVE CAY DRIVE UNIT 7F
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$229,900
3400 COVE CAY DRIVE UNIT 6B · same community
2 bd · 2 ba · 1,070 sqft · $215/sqft · 51 DOM
Sold · Jul ’26$155,000
2900 COVE CAY DRIVE UNIT 6F · same community
2 bd · 2 ba · 1,070 sqft · $145/sqft · 215 DOM
Sold · Aug ’26$275,000
3400 COVE CAY DRIVE UNIT 4E · same community
2 bd · 2 ba · 1,070 sqft · $257/sqft · 18 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2900 COVE CAY DRIVE UNIT 7F — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2900 COVE CAY DRIVE UNIT 7F — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2900 COVE CAY DRIVE UNIT 7F FAQs
What would the monthly payment be for 2900 COVE CAY DRIVE UNIT 7F?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,554/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 2900 COVE CAY DRIVE UNIT 7F?+
The most recent tax bill on record (2025) was $3,730. 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 2900 COVE CAY DRIVE UNIT 7F?+
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 Clearwater?+
At $285,000, this home is listed about 5% below the Clearwater median of $299,737. The market section on this page shows how the area is trending.
Which schools are assigned to 2900 COVE CAY DRIVE UNIT 7F?+
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
01Positioned at the premium end
$285,000 runs 58% above the CLEARWATER 33760 median.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Clearwater market that averages 55 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Jessica Kucek. MLS #TB8557125.
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.
Never miss a listing
New Clearwater homes, in your inbox
Like 2900 COVE CAY DRIVE UNIT 7F but not quite? A daily digest of every new listing in Clearwater — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kathy to ping you on any price or status change →