2617 COVE CAY DRIVE UNIT 107, CLEARWATER, FL, 33760
Active12 days on marketListed Oct 27, 2026MLS #TB8562173
About this home
2617 COVE CAY DRIVE UNIT 107
Virtually Staged. Virtually Staged. Waterfront living in gated Cove Cay, this first-floor, 2-bedroom, 2-bath condo overlooks Old Tampa Bay. It has been NEWLY renovated with NEW AC (2025) and is move-in ready, so step out onto you patio and take in the water views. Inside, the kitchen has all-new appliances and both bathrooms have been fully updated. A private laundry room and a covered carport space add everyday convenience. The unit is vacant and easy to show. The HOA fee covers much of daily life, including 24-hour guard-gated security, water, sewer, trash, building insurance, exterior and grounds maintenance, an on-site manager, and the community pool. Residents also enjoy recreational facilities, with golf, a marina, and dining right in the community. Cove Cay puts you minutes from Tampa International Airport, Clearwater beaches, shopping, and restaurants. Note: Furnished rooms and twilight photos are virtually staged.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,050
Sqft
0 ac
Lot size
1972
Year built
Multi/Split
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Clearwater actives
$2 vs $248
Days on market
12 vs 54 typical
Where $2/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 99% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 2617 COVE CAY DRIVE UNIT 107
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$157,000
2617 COVE CAY DRIVE UNIT 110 · same community
1 bd · 1.5 ba · 810 sqft · $194/sqft · 8 DOM
Sold · Jan ’26$160,000
2617 COVE CAY DRIVE UNIT 709 · same community
1 bd · 1.5 ba · 810 sqft · $198/sqft · 60 DOM
Sold · Jul ’26$119,000
2617 COVE CAY DRIVE UNIT 306 · same community
1 bd · 1 ba · 650 sqft · $183/sqft · 336 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2617 COVE CAY DRIVE UNIT 107 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2617 COVE CAY DRIVE UNIT 107 — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2617 COVE CAY DRIVE UNIT 107 FAQs
What would the monthly payment be for 2617 COVE CAY DRIVE UNIT 107?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 2617 COVE CAY DRIVE UNIT 107?+
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 $1,900, this home is listed about 99% below the Clearwater median of $299,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2617 COVE CAY DRIVE UNIT 107?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA PROPERTIES · Abdullah Elalami. MLS #TB8562173.
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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