3200 COVE CAY DRIVE, #5A, Clearwater, FL, 33760 | $249,900

One or more photo(s) has been virtually staged. Here is your rare opportunity to own a spacious 1, 345 square foot three-bedroom, two-bath condo home featuring two large screened lanai areas and an exceptionally versatile layout. Originally designed as a true three-bedroom home, the third bedroom has been opened, offering flexibility for today’s lifestyle, but it is easily converted back to the original floor plan. The home is filled with natural white thanks to five sets of sliding glass doors, creating an open, airy feel throughout. Neutral interior paint with crisp light trim provides a clean backdrop, while crown moulding adds a refined touch in the living room and third bedroom/bonus room areas. Both the primary and second bedrooms enjoy direct access to a screened lanai overlooking the 9th fairway of Cove Cay Golf Course, with views extending toward an inlet from Tampa Bay where wildlife is frequently seen, including fish, birds, and even manatees. The living room, dining area, and kitchen all open to an impressive 30-foot-long side terrace, creating seamless indoor-outdoor flow and multiple spaces for relaxing or entertaining. Additional highlights include a new A/C system installed in late 2024, a full-size laundry room conveniently located off the back terrace with washer and dryer included, and covered carport parking right at the front door, a feature that adds everyday convenience. The condo fee is fully inclusive and the maintenance of this village/association is superb. With its generous square footage, abundant outdoor living areas, and adaptable floor plan, this home offers a rare combination of space, light, and flexibility in a setting that feels connected to nature yet comfortably livable day to day. And, at Cove Cay, you have access to a Championship Course owned by PGA professionals who are hands on daily and a marina offering all aspects of water activities. Food and Beverage also available at Bayview Grille of the Cove Cay Golf Club and AJ’s Dockside at the Cove Cay Marina. Note that Golf Club and Marina amenities are not included in the condo fee but available for various pay as you go or memberships. 24 hour security, lush grounds, and more make for the Paradise known as Cove Cay.

Features

  • Elevator: Y
  • Heating: Central, Electric
  • Cooling: Central Air
  • Levels: 7
  • Amenities: Cable TV, Clubhouse, Elevator(s), Recreation Facilities, Vehicle Restrictions
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Other, Outside
  • Complex: COVE CAY VILLAGE IV
  • Year Built: 1984
  • Approx Sq. Feet: 1,345
  • Est. Taxes: $4,586
  • Condo Fee: $731 Monthly
  • Lot Desc: Flood Insurance Required, In County, On Golf Course
  • View: Garden, Golf Course, Water
  • Pet Policy: No
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8462879
  • Days on Market: 15 days
  • Website: https://www.raveis.com
    /prop/TB8462879/3200covecaydrive_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 1/29/2026 8:47:07 PM)
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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3200 COVE CAY DRIVE, #5A, Clearwater, FL, 33760

$249,900

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 $199,920 $199,920 $199,920
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 6.209% 6.168% 5.541%
Monthly Tax Payment $382 $382 $382
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,135 $1,197 $1,607
Total Monthly Payment $1,592 $1,654 $2,064

* 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.