3400 COVE CAY DRIVE, #4E, Clearwater, FL, 33760 | $275,000

Cove Cay is one of the area's original planned resort-style communities, offering an active Florida lifestyle surrounded by golf, waterfront scenery, nature, and an abundance of amenities. From the moment you arrive at the gated entrance and security office, you'll feel as though you've entered your own oasis. Meticulously maintained grounds, mature oak trees, gardens, butterfly habitats, and wildlife create a peaceful park-like setting enjoyed year-round.
The community offers a remarkable variety of environments and experiences. Enjoy sweeping views of Tampa Bay and the Bayside Bridge, colorful sunrises, ever-changing skies, passing weather patterns, calm waters one day and rolling waves the next, along with boat traffic and water recreation that bring the waterfront to life. Residents enjoy access to a golf course overlooking Tampa Bay, a waterfront restaurant with outdoor patio seating and firepit areas, marina facilities, boat launch access, swimming pool, spa, tiki huts, clubhouse activities, covered parking, convenient elevators, and thoughtfully designed village settings surrounded by beautifully maintained landscaping. Together, these features create an enjoyable lifestyle that allows more time for hobbies, recreation, and socializing with friends and neighbors.
Village IV has long been one of the community's most sought-after villages. Available governing documents, reserve information, and inspection reports provide buyers with valuable information when considering ownership.
The standout feature of this fourth-floor residence is its exceptional location and view orientation. Positioned at an ideal elevation, the east-facing home captures beautiful sunrise skies, Tampa Bay water views, and multiple greens and tee boxes along the golf course. Many owners appreciate that the fourth floor offers an excellent balance between panoramic views and a comfortable connection to the activity below.
The expansive wall-to-wall porch serves as an extension of the living space and creates the perfect setting for morning coffee, entertaining guests, or simply enjoying the scenery. Oversized sliding glass doors bring natural light and views deep into the home, creating a seamless connection between indoor and outdoor living. The living and dining areas flow comfortably from the updated kitchen featuring newer appliances, stainless finishes, and decorative ceiling details.
Quality laminate flooring enhances the main living areas, while tile flooring is featured on the porch, in the kitchen, and in the bathrooms. The spacious primary suite offers a walk-in closet, bonus beach closet, updated ensuite bath, and one of the home's most enjoyable features—waking up to water, golf course, and sunrise views right from your bed. Bedroom two offers a large closet and bright window. Additional improvements include a newer air conditioning system and water heater. The kitchen was thoughtfully extended to take advantage of additional window light, and the private laundry room is conveniently located on the porch. Just steps from the front door are two elevators and a nearby trash chute for everyday convenience.
If you have not yet experienced the unique lifestyle that Cove Cay offers, this is an opportunity to discover one of Clearwater's most distinctive waterfront and golf course communities. Schedule your private tour today and experience the views, amenities, and lifestyle that make this residence such a special place to call home. Furnishings neg

Features

  • Elevator: Y
  • Heating: Electric
  • Cooling: Central Air
  • Levels: 1
  • Amenities: Cable TV, Clubhouse, Elevator(s), Gated, Golf Course, Maintenance, Optional Additional Fees, Pool, Security, Spa/Hot Tub, Vehicle Restrictions, Wheelchair Access
  • Rooms: 5
  • Bedrooms: 2
  • Baths: 2 full
  • Laundry: Laundry Room
  • Complex: COVE CAY VILLAGE IV
  • Year Built: 1986
  • Approx Sq. Feet: 1,070
  • Est. Taxes: $3,268
  • Condo Fee: $731 Monthly
  • Lot Desc: Corner Lot, FloodZone, City Lot, Near Golf Course, Near Marina, On Golf Course, Street Dead-End
  • View: Garden, Golf Course, Park/Greenbelt, Trees/Woods, Water
  • Water Front: Yes
  • Pet Policy: No
  • Appliances: Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer
  • MLS#: TB8518074
  • Website: https://www.raveis.com
    /prop/TB8518074/3400covecaydrive_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 6/12/2026 5:48:57 AM)
Listing courtesy of Keller Williams Realty- Palm H   Phone: 727-772-0772

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3400 COVE CAY DRIVE, #4E, Clearwater, FL, 33760

$275,000

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 $220,000 $220,000 $220,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.412% 6.640% 5.952%
Monthly Tax Payment $272 $272 $272
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,337 $1,389 $1,827
Total Monthly Payment $1,684 $1,736 $2,174

* 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.