800 COVE CAY DRIVE UNIT 3F, CLEARWATER, FL, 33760
Active14 days on marketListed Jul 22, 2026MLS #TB8522758
About this home
800 COVE CAY DRIVE UNIT 3F
Step into the perfect Florida lifestyle with this beautiful, sun-drenched 2-bedroom, 2-bathroom condo located in the highly desirable Cove Cay community. From the moment you enter, you are greeted by an abundance of natural light that fills the spacious living area. The thoughtfully designed split-bedroom layout offers maximum privacy. The generous primary suite features direct lanai access through sliding glass doors, a large closet, and an en-suite bath with tile flooring. Both bedrooms showcase brand-new, modern flooring. Located in Village III, you will enjoy your own exclusive recreation area featuring a heated pool, spa, and social gathering space. The monthly association dues offer ultimate peace of mind, covering water, sewer, trash, building maintenance, 24-hour security, and grounds upkeep. As a resident of Cove Cay, you gain access to a premier lifestyle. Spend your mornings watching the sunrise over the bay with a cup of coffee and spend your afternoons playing a round on the USGA-rated 18-hole championship golf course. When you do decide to venture out, you are perfectly positioned in the heart of the Tampa Bay region. You are just a short drive away from the sugar sands of award-winning Gulf beaches, the vibrant arts and dining scene of downtown St. Petersburg, and the bustling nightlife of Tampa. Plus, with both Clearwater-St. Pete Airport and Tampa International Airport nearby, traveling or hosting out-of-town guests is an absolute breeze - this is coastal living at its absolute finest!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
960
Sqft
0 ac
Lot size
1989
Year built
One
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.
$171 /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
$171/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.
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 $227
Days on market
14 vs 55 typical
Where $2/sqft sits among the 399 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
1,073
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 → $350K
Clearwater median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
225 of 399
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 800 COVE CAY DRIVE UNIT 3F
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$174,000
900 COVE CAY DRIVE UNIT 3E · same community
2 bd · 2 ba · 960 sqft · $181/sqft · 30 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
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 800 COVE CAY DRIVE UNIT 3F — 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 3F — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
800 COVE CAY DRIVE UNIT 3F FAQs
What would the monthly payment be for 800 COVE CAY DRIVE UNIT 3F?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $171/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 800 COVE CAY DRIVE UNIT 3F?+
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 $1,495, this home is listed about 99% below the Clearwater median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 800 COVE CAY DRIVE UNIT 3F?+
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
01Under the CLEARWATER 33760 market on paper
$1,495 is 99% below the CLEARWATER 33760 median of $177,450, and at $2/sqft it sits under the Clearwater average of $276.
02Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $1,595, now $1,495 — a $100 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of 1ST CLASS REAL ESTATE LLC · Michael Spithoyanis. MLS #TB8522758.
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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