2621 COVE CAY DRIVE UNIT 802, CLEARWATER, FL, 33760
Active0 days on marketListed Aug 13, 2026MLS #TB8537511
Come see it
Upcoming open house
Sat, Aug 15
12:00 PM – 2:00 PM
About this home
2621 COVE CAY DRIVE UNIT 802
Virtually Staged. TURNKEY, UPSCALE & BEAUTIFULLY UPDATED! Welcome to the gated waterfront community of Cove Cay Village II featuring golf and resort-style amenities, a marina with a restaurant and bar, and a country club restaurant This 8th-floor one-bedroom and one and a half bathroom condo in Cove Cay offers sweeping views of Tampa Bay, the Bayside Bridge, golf course and community pool. Beautifully remodeled and exceptionally clean, the unit features luxury vinyl plank flooring in 2025, granite countertops in the kitchen and bath, stainless steel appliances, a new dishwasher, 2021 water heater, and newer HVAC ductwork installed in 2024 with an duct air purifier. A private laundry room directly across the hall includes a front-loading washer and dryer plus additional storage. Assigned carport for your vehicle and plenty of guest parking. Enjoy resort-style living at Cove Cay, with optional golf and marina access available at an additional cost. This village features its own clubhouse, pool and spa, workout room, lounge, kitchen, meeting area and shuffleboard courts. The monthly condo fee covers everything except electricity and phone. Small pets allowed with approval. Conveniently located just 2.6 miles to Costco, 3.2 miles to Target, 3.9 miles to St. Pete-Clearwater International Airport and 15.3 miles to Tampa International Airport. Move right in and start enjoying the views and Florida lifestyle!
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
810
Sqft
1974
Year built
One
Levels
$185
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.
$2,057 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$2,057/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.
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
+6.8%
Days on market
0 vs 56 typical
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
1,073
Median age
61
Median income
$62,580
Median home value
$189,303
Avg household
2
Households w/ children
28%
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
$328K → $306K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
Median sold price, Clearwater, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the CLEARWATER 33760 median. See the full Clearwater market guide →
Paper trail
This home's history
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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2621 COVE CAY DRIVE UNIT 802 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2621 COVE CAY DRIVE UNIT 802 — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2621 COVE CAY DRIVE UNIT 802 FAQs
What would the monthly payment be for 2621 COVE CAY DRIVE UNIT 802?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,057/mo — principal and interest, the actual property-tax bill, the $721/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 2621 COVE CAY DRIVE UNIT 802?+
The association fee works out to $721 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2621 COVE CAY DRIVE UNIT 802?+
The most recent tax bill on record (2025) was $2,717. 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 2621 COVE CAY DRIVE UNIT 802?+
The listing reports pets: Cats OK, Dogs OK, Size 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 $150,000, this home is listed about 45% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2621 COVE CAY DRIVE UNIT 802?+
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
Four things that matter here
01Under the CLEARWATER 33760 market on paper
$150,000 is 14% below the CLEARWATER 33760 median of $174,950, and at $185/sqft it sits under the Clearwater average of $275.
02Golf Course & Pool & Water views
The golf course and pool and water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $721/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Listed today in a Clearwater market that averages 56 — if it fits, move quickly.
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Tami Fullen. MLS #TB8537511.
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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