800 COVE CAY DRIVE UNIT 7D, CLEARWATER, FL, 33760
Active23 days on marketListed Oct 15, 2026MLS #TB8558216
About this home
800 COVE CAY DRIVE UNIT 7D
Updated Top Floor Condo in Clearwater's Cove Cay Community. Welcome to This Beautifully Positioned 2 Bedroom, 2 Bathroom Condo Located on the Top Floor of a Desirable Seven Story Building Within the Sought After Cove Cay Community. Perfectly Situated Beside the Cove Cay Marina, This Residence Offers Convenient Access to the Water, Creating an Ideal Setting for Boating & Waterfront Living. Inside, the Condo Offers a Bright & Inviting Layout With a Modern Yet Flexible Design. The Kitchen Features Generous Counter Space, an Added Breakfast Bar, Stylish Glass Tile Accents, & Rich Dark Cabinetry That Creates a Warm & Welcoming Feel. Luxury Vinyl Flooring Runs Throughout the Home, Enhancing the Open Concept Living Space With Both Durability & Contemporary Appeal. Relax on the Screened Patio While Enjoying Peaceful Views Overlooking the Lush Golf Course, a Perfect Spot for Morning Coffee or Evening Unwinding. The Primary Bedroom Is Light Filled & Comfortable, Offering 2 Spacious Closets Plus an Updated Primary Bathroom. The Guest Bedroom Provides Additional Versatility With a Convenient Murphy Bed, While the Guest Bathroom Includes a Tub/Shower Combo for Added Comfort. This Condo Places You at the Center of Everything Cove Cay Has to Offer. With the Marina Just Steps Away, Boating Access Leads Directly to the Largo Inlet & Old Tampa Bay. The Nearby Cove Cay Golf Club Provides Excellent Recreational Opportunities, While the Community Clubhouse Features a Pool & Hot Tub for Relaxation & Social Gatherings. Conveniently Located Near US 19, You Will Enjoy Easy Access to Shopping, Dining, & Everyday Essentials. This Home Ensures Easy Access to Shopping, Dining, Golf Courses, Sports Arenas, Outlet Mall, Airports, Our Amazing Beaches & Major Commuting Routes. Don’t Miss Your Chance to Make This Exceptional Property Your New Home, Schedule a Tour Today.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0 ac
Lot size
1989
Year built
One
Levels
$270
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.
$2,917 /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
$2,917/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
+52.5%
$/sqft vs Clearwater actives
$270 vs $248
Days on market
23 vs 56 typical
Where $270/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
1,221
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)
209 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 44% above the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 800 COVE CAY DRIVE UNIT 7D
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$98,000
800 COVE CAY DRIVE UNIT 1F · same community
2 bd · 2 ba · 960 sqft · $102/sqft · 102 DOM
Sold · Jun ’26$210,000
1000 COVE CAY DRIVE UNIT 5D · same community
2 bd · 2 ba · 960 sqft · $219/sqft · 48 DOM
Sold · Apr ’26$134,000
900 COVE CAY DRIVE UNIT 1D · same community
2 bd · 2 ba · 960 sqft · $140/sqft · 40 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 800 COVE CAY DRIVE UNIT 7D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 800 COVE CAY DRIVE UNIT 7D — 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
800 COVE CAY DRIVE UNIT 7D FAQs
What would the monthly payment be for 800 COVE CAY DRIVE UNIT 7D?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,917/mo — principal and interest, the actual property-tax bill, the $715/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 800 COVE CAY DRIVE UNIT 7D?+
The association fee works out to $715 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 800 COVE CAY DRIVE UNIT 7D?+
The most recent tax bill on record (2025) was $1,787. 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 800 COVE CAY DRIVE UNIT 7D?+
The listing reports pets: Cats OK. 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 $259,000, this home is listed about 13% below the Clearwater median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 800 COVE CAY DRIVE UNIT 7D?+
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
$259,000 runs 44% above the CLEARWATER 33760 median.
02Know the monthly fee
The association fee is $715/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03The price has already moved
Listed at $459,000, now $259,000 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Warren Ring. MLS #TB8558216.
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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