2620 COVE CAY DRIVE, #904, Clearwater, FL, 33760 | $134,500

Welcome to Cove Cay, a premier gated waterfront community on Tampa Bay offering true resort-style living in the heart of Clearwater. Surrounded by lush tropical landscaping and meticulously maintained grounds, residents enjoy access to a private marina with boat and kayak opportunities, along with an 18-hole championship golf course that winds throughout the community. Each village features its own clubhouse, heated pool, and spa, creating a relaxed and welcoming atmosphere year-round. Best of all, Cove Cay is an all-ages community with no age restrictions.
This beautifully maintained studio-style condo is thoughtfully designed with a spacious and functional layout that maximizes both comfort and flexibility. The open living and dining areas create an inviting flow for everyday living and entertaining, while the well-appointed kitchen offers ample cabinet and counter space. A bright and airy sunroom extends the living space, showcasing beautiful views and providing the perfect spot to relax, work from home, or enjoy your morning coffee.
The layout offers a generously sized sleeping area with excellent versatility, along with a well-appointed bathroom and convenient in-unit laundry for added ease. Additional features include a welcoming entry foyer, dedicated dining space, and smart use of storage throughout, making this unit both practical and comfortable.
Located just minutes from shopping, dining, and everyday conveniences, this home also offers easy access to St. Pete–Clearwater International Airport and Tampa International Airport. Clearwater Beach and the Gulf Coast’s world-renowned shoreline are just a short drive away, making this an ideal full-time residence, seasonal getaway, or investment opportunity.
Experience the perfect blend of comfort, convenience, and coastal lifestyle—don’t miss your opportunity to own in one of Clearwater’s most desirable waterfront communities. Furnishings included if buyer would like.

Features

  • Elevator: Y
  • Heating: Central
  • Cooling: Central Air
  • Levels: 1
  • Rooms: 3
  • Bedrooms: 1
  • Baths: 1 full
  • Laundry: Inside
  • Complex: COVE CAY 26-20 VILLAGE II
  • Year Built: 1974
  • Approx Sq. Feet: 565
  • Acreage: 1
  • Est. Taxes: $1,827
  • Condo Fee: $640 Monthly
  • Water Front: Yes
  • Elem. School: Belcher Elementary-PN
  • Middle School: Oak Grove Middle-PN
  • High School: Pinellas Park High-PN
  • Pet Policy: Size Limit, Yes
  • Appliances: Dishwasher, Range, Refrigerator
  • MLS#: TB8504433
  • Days on Market: 19 days
  • Website: https://www.raveis.com
    /prop/TB8504433/2620covecaydrive_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 6/1/2026 7:47:10 PM)
Listing courtesy of Real Broker, LLC   Phone: 855-450-0442

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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2620 COVE CAY DRIVE, #904, Clearwater, FL, 33760

$134,500

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 $107,600 $107,600 $107,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $152 $152 $152
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $644 $671 $886
Total Monthly Payment $871 $898 $1,113

* 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.