800 COVE CAY DRIVE UNIT 4D, CLEARWATER, FL, 33760
Active6 days on marketListed Nov 1, 2026MLS #TB8563198
About this home
800 COVE CAY DRIVE UNIT 4D
Welcome to resort-style living in the highly desirable gated community of Cove Cay! This beautifully updated 2-bedroom, 2-bath condominium offers an inviting blend of comfort, convenience, and Florida lifestyle living. Located on the 4th floor, this residence enjoys peaceful golf course views overlooking the tee and fairway of the 9th hole at Cove Cay Country Club, creating a relaxing backdrop you'll appreciate every day. Step inside through the welcoming foyer, where hardwood flooring leads into the dining area and an inviting open-concept living space. The updated kitchen features warm wood cabinetry, granite countertops, a stainless steel double sink, and a convenient coffee bar, along with a pass-through that keeps the kitchen connected to the living and dining areas. Crown molding, neutral finishes, and abundant natural light create a warm, welcoming atmosphere throughout. The spacious living and dining area opens through sliding glass doors to an oversized screened-in balcony, providing the perfect place to enjoy your morning coffee, unwind at the end of the day, or take in the tranquil golf course views. The primary bedroom is a peaceful retreat with its own private balcony access, double closets, and an ensuite bathroom featuring a separate vanity area and walk-in shower. A comfortable second bedroom and full guest bathroom provide additional flexibility for visitors, a home office, or everyday living. Additional features include an assigned parking space and access to the community's beautifully maintained recreational area, complete with a heated swimming pool, spa, lush tropical landscaping, and a private gathering space for residents. Cove Cay offers a lifestyle that's hard to duplicate! The community is home to the Cove Cay Country Club, featuring an 18-hole championship golf course overlooking Old Tampa Bay, the Bayview Grille & Bar, open seven days a week, and a full-service marina with waterfront dining. Residents also enjoy gated community grounds and 24-hour security for added peace of mind. Conveniently located in the Clearwater area, Cove Cay offers easy access to Tampa Bay attractions, shopping, dining, beaches, and everyday conveniences. Whether you're looking for a full-time Florida residence, a seasonal getaway, or an opportunity to enjoy a maintenance-friendly golf course community, this condo is ready to welcome you home. Come discover why Cove Cay is known as Paradise Found!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
1989
Year built
One
Levels
$208
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.
$1,889 /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
$1,889/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
+17.8%
$/sqft vs COVE CAY VILLAGE III
$208 vs $218
Days on market
6 vs 55 typical
Where $208/sqft sits among the 6 homes for sale in COVE CAY VILLAGE III
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)
4 of 6
COVE CAY VILLAGE III have cut their price
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% 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 4D
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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 800 COVE CAY DRIVE UNIT 4D — 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 4D — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
800 COVE CAY DRIVE UNIT 4D FAQs
What would the monthly payment be for 800 COVE CAY DRIVE UNIT 4D?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,889/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 800 COVE CAY DRIVE UNIT 4D?+
The most recent tax bill on record (2025) was $3,208. 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 4D?+
The listing reports pets: Number Limit, 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 $200,000, this home is listed about 33% below the Clearwater median of $299,737. The market section on this page shows how the area is trending.
Which schools are assigned to 800 COVE CAY DRIVE UNIT 4D?+
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
$200,000 runs 11% 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 6 days on market in a Clearwater market that averages 55 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of IMPACT REALTY TAMPA BAY · Angie Alstott. MLS #TB8563198.
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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