4650 COVE CIRCLE, #209, St. Petersburg, FL, 33708 | $215,000

*Welcome to 4650 Cove Circle, #209, located in beautiful St. Petersburg, Florida, located in the Hamilton House Building at Sea Towers! This spacious 2 Bedroom, 2 Full Baths Condo is Florida Living at its best! Sea Towers is a highly desirable 55+ waterfront community in beautiful St. Petersburg, Florida. This well-positioned second-floor condo offers comfort, convenience, and the relaxed Florida lifestyle just minutes from the Gulf beaches.

This spacious 2-bedroom, 2-bath residence features a bright and functional floor plan that flows effortlessly from the kitchen into the combined living and dining area, creating an open and inviting space that feels larger than the square footage suggests. Large windows bring in natural light while offering partial water views from both the living room and the primary bedroom, providing a peaceful backdrop to everyday living.

The primary suite offers a comfortable retreat with an en-suite bathroom and water views, while the second bedroom and full bathroom provide ideal space for guests, a home office, or additional living flexibility. For added peace of mind, all west-facing windows are equipped with hurricane shutters.

To provide additional confidence for the next owner, the seller is including a one-year Homeowner Warranty with the sale. This warranty, valued at approximately $450, provides coverage for major appliances as well as plumbing and electrical systems.
The Hamilton House is the most conveniently located building in Sea Towers, positioned immediately inside the guard-gated entrance for easy access in and out of the community. The unit also includes a covered parking space and a PRIVATE STORAGE LOCKER WHICH IS 4X4X4 and is conveniently located ON THE SAME FLOOR, JUST A FEW STEPS AWAY!! ADDITIONALLY, THERE IS CURRENTLY FREE WASHER AND DRYER USEAGE AND IS CONVENIENTLY LOCATED RIGHT BY THE ELEVATORS ON THE FIRST FLOOR!

Sea Towers offers an impressive array of resort-style amenities in a beautifully maintained waterfront setting. Residents enjoy two heated pools, saunas, tennis and pickleball courts, shuffleboard, a fitness center, card room, billiards room, and a scenic waterfront grilling and lounge area complete with covered seating and restrooms. This unit also features the only carport in the complex that allows you to drive straight in to park under the carport and easily pull straight out.

The community is well-managed with healthy reserves, and the Milestone Inspection has already been completed.
Located just minutes from Madeira Beach, Seminole City Center, grocery stores, restaurants, and shopping, the location offers the perfect balance of convenience and coastal living. Bike to the beach, enjoy nearby waterfront dining, or simply relax within this vibrant and amenity-rich community.

Don’t miss this opportunity to enjoy easy, low-maintenance living in one of St. Petersburg’s premier waterfront 55+ communities. Schedule your private showing today and start living in the Florida lifestyle you’ve been dreaming of!

Buyer and/or Buyer’s Agent to verify all information. All information is presumed accurate but not guaranteed. This unit also features the only carport in the complex that allows you to drive straight in to park under the carport and easily pull straight out, and FREE washer and dryer usage currently!

Features

  • Elevator: Y
  • Heating: Central
  • Cooling: Central Air
  • Levels: 1
  • Amenities: Cable TV, Elevator(s), Gated, Laundry, Pool, Tennis Court(s)
  • Rooms: 8
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: None
  • Complex: HAMILTON HOUSE THE CONDO
  • Year Built: 1970
  • Approx Sq. Feet: 970
  • Acreage: 0.59
  • Est. Taxes: $1,088
  • Condo Fee: $857 Monthly
  • Adult Communities: Yes
  • Pet Policy: No
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Refrigerator
  • MLS#: TB8485621
  • Days on Market: 27 days
  • Website: https://www.raveis.com
    /prop/TB8485621/4650covecircle_stpetersburg_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 4/19/2026 6:33:04 PM)
Listing courtesy of EXP REALTY LLC   Phone: 888-883-8509

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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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4650 COVE CIRCLE, #209, St. Petersburg, FL, 33708

$215,000

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 $172,000 $172,000 $172,000
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 $91 $91 $91
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,017 $1,045 $1,394
Total Monthly Payment $1,183 $1,211 $1,560

* 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.