2620 COVE CAY DRIVE, #601, Clearwater, FL, 33760 | $229,900

Wake up every day to a wraparound picture-postcard view. This highly desired 2 bedroom, 2 bath corner condo in beautiful Cove Cay offers water, golf course, and lush green scenery from just every window and even as you walk up to your front door – plus a front-row seat to the pond, fairways, bridge, Tampa Bay and even the Tampa skyline from your raised living room sitting area. Inside, you’ll love the light, airy feel. PGT impact windows (including larger kitchen and guest bedroom windows than the interior units) bring in extra natural light and frame the views. Neutral tile runs throughout the condo for a clean, cohesive look, while fresh paint in soft neutrals and pastels adds a serene, coastal vibe. Both bathrooms are completely updated – the hall bath with a newer vanity, decorator mirror, and stylish tile around the tub, and the primary suite bath with a beautiful shower and a vanity offering plenty of storage. The spacious primary bedroom easily accommodates larger furniture and features a generous walk-in closet. The kitchen is a delight to cook and dine in, with warm wood KraftMaid cabinets, a handy pantry, an eating space with a view, and a raised ceiling trimmed with crown moulding for an extra touch of elegance. Storage is no problem here – the rooms are comfortably sized and closets are plentiful. Even better, the HVAC was replaced in 2024, so you can enjoy perfect temperatures year-round without the worry of a big-ticket replacement. Convenience is also part of the package: your private laundry room is just across the hall from the front door and includes a laundry sink, stackable washer and dryer, and room for shelving or additional storage. A covered carport is included as well. With its corner location, upgraded finishes, abundant storage, and truly stunning views in every direction, this Cove Cay condo offers the Florida lifestyle you’ve been hoping to find. And as for the community of Cove Cay… there is no equal. This gated, 24-hour secured waterfront community feels like a private resort tucked along Tampa Bay. The 18-hole Championship golf course winds gracefully through the grounds and along the bay itself, offering sweeping water views and a setting that’s as relaxing as it is scenic. Whether you’re an avid golfer or simply love the view, the course is available by membership or on a flexible pay-as-you-go basis. The on-site bar and grille is open seven days a week and serves up full menus, cold drinks, and an easy social atmosphere—perfect for casual lunches, sunset dinners, or meeting neighbors who quickly become friends. Boating enthusiasts will appreciate the community marina right within the complex, offering docking and storage options, rentals, food and drink, and that unmistakable salty-breeze lifestyle (all available separately, so you can choose your level of fun). Lush grounds, golf, dining and boating possibilities, a prime central location close to beaches, airports, dining and shopping, and the feeling that every day is a mini-vacation, make it easy to see why this is the paradise known as Cove Cay.

Features

  • Elevator: Y
  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 10
  • Amenities: Clubhouse, Elevator(s), Fitness Center, Recreation Facilities, Security, Shuffleboard Court, Spa/Hot Tub, Vehicle Restrictions
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Other
  • Complex: COVE CAY 26-20 VILLAGE II
  • Year Built: 1974
  • Approx Sq. Feet: 1,050
  • Est. Taxes: $3,559
  • Condo Fee: $893 Monthly
  • Lot Desc: FloodZone, In County, Near Marina, On Golf Course, Unincorporated
  • View: Golf Course, Water
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8454500
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/TB8454500/2620covecaydrive_clearwater_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 3/5/2026 10:02:07 AM)
Listing courtesy of FUTURE HOME REALTY INC   Phone: 813-855-4982

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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2620 COVE CAY DRIVE, #601, Clearwater, FL, 33760

$229,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $183,920 $183,920 $183,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.197% 6.156% 5.541%
Monthly Tax Payment $297 $297 $297
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,044 $1,102 $1,478
Total Monthly Payment $1,416 $1,474 $1,850

* 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.