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$204,500

4650 COVE CIRCLE UNIT 209, ST PETERSBURG, FL 33708

Active97 days on market

Beds

2

Baths

2

Sq Ft

970 sq ft

Year Built

1970

Lot Size

0.59 acres

Garage

About This Property

Welcome to 4650 Cove Circle, #209, located in beautiful St. Petersburg, Florida, in the Hamilton House Building at Sea Towers! This spacious 2 Bedroom, 2 Full Bath 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 a 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. The seller is including a one-year Homeowner Warranty valued at approximately $450, providing 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 4x4x4 storage locker conveniently located on the same floor, just a few steps away. Additionally, there is currently free washer and dryer usage 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. 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. 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! Information herein is deemed reliable but not guaranteed. Listing Broker/Agent makes no warranties, express or implied, as to the accuracy of any information (including, without limitation, square footage, room sizes, acreage, boundaries, lot lines, schools, utilities, zoning, or condition). Buyer and Buyer’s Agent are advised to independently verify all facts and measurements through inspections, surveys, and appropriate professionals. Seller and/or Listing Agent have not occupied the property (if applicable), and therefore have limited knowledge of the property’s history and condition; representations, if any, are based on available records and visual observation.

Property Overview

Property TypeResidential
Sub TypeCondominium
MLS #TB8485621
StatusActive
Year Built1970
Stories1
Total Rooms8
ConstructionBlock
RoofOther
FoundationSlab
FacesEast
SubdivisionHAMILTON HOUSE THE CONDO
CountyPinellas
OwnershipCondominium
FurnishedFurnished

Interior Features

InteriorCeiling Fan(s), Living Room/Dining Room Combo
FlooringCarpet, Laminate
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Disposal, Refrigerator
LaundryNone
CoolingCentral Air
HeatingCentral
SecurityGated Community

Exterior & Lot

ExteriorHurricane Shutters
Lot Size0.59 acres (25,789 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
Senior CommunityYes

Financial Details

List Price$204,500
Original Price$225,000
Annual Taxes$1,088 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #033115353290002090

Directions

From Park Blvd... South on 113th St/Duhme Rd... East into Sea Towers. Once you are past the guard shack, immediate right and building will be straight ahead. Park in a guest spot.

Location

4650 COVE CIRCLE UNIT 209, ST PETERSBURG, FL 33708

Listing Information

OfficeEXP REALTY LLC
ListedMarch 18, 2026

Schedule a Showing

How to Buy This Home

Multiple financing options available for this $204,500 home in ST PETERSBURG.

🏛️

FHA Loan

$7,158 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$10,225 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Pinellas County SHIP

Varies

Income-qualifying Pinellas residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively 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. Data last updated: June 23, 2026.

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