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Presented by
Margaret Mullaney |
2620 COVE CAY DRIVE, #107, Clearwater, FL, 33760 | $299,900
Under contract-accepting backup offers. Welcome to one of Cove Cay’s coveted seven condos with an oversized outdoor deck—set above a tranquil pond on the 15th hole—where bay breezes and ever-changing views of water, wildlife, sunrises, and golfers become your daily backdrop. The 16' x 13' deck (208 sq. ft. ) was rebuilt in 2025 with composite Trex for beauty, durability, and years of low-maintenance living. Wide PGT impact sliders open to a screened porch that flows out to the deck—hello, indoor-outdoor entertaining. Inside, the open kitchen is light and bright, featuring a double PGT impact window, white soft-close cabinetry, exquisite light granite with neutral veining that doubles as an expansive serving/snack bar, a ceiling detail with crown moulding and integrated lighting, stainless appliances, a deep stainless undermount sink with a sleek black gooseneck faucet, decorative backsplash, and a dedicated coffee bar. Pergo DuraCraft waterproof luxury vinyl plank runs throughout for cool comfort, easy care, and long-term durability. Fresh, airy wall colors elevate the spacious living/dining area, which includes an attractive built-in and the perfect wall for a large TV. The serene primary suite enjoys PGT windows framing the pond and golf course. Its en-suite bath offers a large vanity, distinctive lighting, updated tile shower and flooring, and a custom walk-in closet. The second bedroom flexes beautifully as a den, office, or guest room, and the refreshed hall bath is another win. Practical perks abound: a 2023 Trane A/C, a newer water heater, hurricane windows throughout and your own private laundry room just steps from the front door with full-size washer/dryer, storage cabinet, and high shelving. This corner residence adds privacy and sits just moments from the Village 2 pool and recreation area—as well as your carport. Lush landscaping, shimmering water and fairway vistas, 24/7 security, and well-kept amenities make this the paradise known as Cove Cay.
Features
- Elevator: Y
- Heating: Central, Electric
- Cooling: Central Air
- Levels: 10
- Amenities: Cable TV, Clubhouse, Elevator(s), Fitness Center, Lobby Key Required, Maintenance, Optional Additional Fees, Pool, Recreation Facilities, Sauna, Security, Shuffleboard Court, Vehicle Restrictions
- Rooms: 7
- Bedrooms: 2
- Baths: 2 full
- Laundry: Laundry Room, Other
- Complex: COVE CAY 26-20 VILLAGE II
- Year Built: 1974
- Approx Sq. Feet: 1,050
- Est. Taxes: $2,730
- Condo Fee: $891 Monthly
- Lot Desc: Flood Insurance Required, FloodZone, In County, Near Marina, On Golf Course, Unincorporated
- View: Golf Course, Water
- Pet Policy: Cats OK, Dogs OK
- Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Washer
- MLS#: TB8437331
- Days on Market: 169 days
- Website: https://www.raveis.com
/prop/TB8437331/2620covecaydrive_clearwater_fl?source=qrflyer
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Margaret MullaneySales Associate
860.202.7697
Margaret.Mullaney@Raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Dave BeckmanVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 10930
203.641.8287
Dave.Beckman@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Brian KellyInsurance Sales Director, William Raveis Insurance
860.655.6934
Brian.Kelly@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
2620 COVE CAY DRIVE, #107, Clearwater, FL, 33760
$299,900
Margaret Mullaney
Sales Associate
William Raveis Real Estate
Phone: 860.202.7697
Margaret.Mullaney@Raveis.com
Dave Beckman
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 203.641.8287
Dave.Beckman@raveis.com
NMLS Mortgage Loan Originator ID 10930
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $239,920 | $239,920 | $239,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 5.375% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.357% | 6.304% | 5.648% |
| Monthly Tax Payment | $228 | $228 | $228 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,419 | $1,458 | $1,944 |
| Total Monthly Payment | $1,722 | $1,761 | $2,247 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388