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$229,900

2620 COVE CAY DRIVE UNIT 601, CLEARWATER, FL 33760

3D Tour
Active300 days on market

Beds

2

Baths

2

Sq Ft

1,050 sq ft

Year Built

1974

Lot Size

—

Garage

—

About This Property

Wake up every day to a wraparound picture-postcard view. This highly desired 2 bedroom, 2 bath corner condo in beautiful Cove Cay offers water, golf course, and lush green scenery from just every window and even as you walk up to your front door – plus a front-row seat to the pond, fairways, bridge, Tampa Bay and even the Tampa skyline from your raised living room sitting area. Inside, you’ll love the light, airy feel. PGT impact windows (including larger kitchen and guest bedroom windows than the interior units) bring in extra natural light and frame the views. Neutral tile runs throughout the condo for a clean, cohesive look, while fresh paint in soft neutrals and pastels adds a serene, coastal vibe. Both bathrooms are completely updated – the hall bath with a newer vanity, decorator mirror, and stylish tile around the tub, and the primary suite bath with a beautiful shower and a vanity offering plenty of storage. The spacious primary bedroom easily accommodates larger furniture and features a generous walk-in closet. The kitchen is a delight to cook and dine in, with warm wood KraftMaid cabinets, a handy pantry, an eating space with a view, and a raised ceiling trimmed with crown moulding for an extra touch of elegance. Storage is no problem here – the rooms are comfortably sized and closets are plentiful. Even better, the HVAC was replaced in 2024, so you can enjoy perfect temperatures year-round without the worry of a big-ticket replacement. Convenience is also part of the package: your private laundry room is just across the hall from the front door and includes a laundry sink, stackable washer and dryer, and room for shelving or additional storage. A covered carport is included as well. With its corner location, upgraded finishes, abundant storage, and truly stunning views in every direction, this Cove Cay condo offers the Florida lifestyle you’ve been hoping to find. And as for the community of Cove Cay… there is no equal. This gated, 24-hour secured waterfront community feels like a private resort tucked along Tampa Bay. The 18-hole Championship golf course winds gracefully through the grounds and along the bay itself, offering sweeping water views and a setting that’s as relaxing as it is scenic. Whether you’re an avid golfer or simply love the view, the course is available by membership or on a flexible pay-as-you-go basis. The on-site bar and grille is open seven days a week and serves up full menus, cold drinks, and an easy social atmosphere—perfect for casual lunches, sunset dinners, or meeting neighbors who quickly become friends. Boating enthusiasts will appreciate the community marina right within the complex, offering docking and storage options, rentals, food and drink, and that unmistakable salty-breeze lifestyle (all available separately, so you can choose your level of fun). Lush grounds, golf, dining and boating possibilities, a prime central location close to beaches, airports, dining and shopping, and the feeling that every day is a mini-vacation, make it easy to see why this is the paradise known as Cove Cay.

Property Overview

Property TypeResidential
Sub TypeCondominium
MLS #TB8454500
StatusActive
Year Built1974
Stories10
Total Rooms6
ConstructionBlock, Stucco
RoofBuilt-Up
FoundationSlab
FacesWest
SubdivisionCOVE CAY 26-20 VILLAGE II
CountyPinellas
OwnershipCondominium
FurnishedFurnished

Interior Features

InteriorBuilt-in Features, Eating Space In Kitchen, Living Room/Dining Room Combo, Solid Surface Counters, Thermostat, Walk-In Closet(s)
FlooringCeramic Tile
AppliancesDishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
LaundryOther
WindowsShutters
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorBalcony, Lighting
Lot FeaturesFloodZone, In County, Near Marina, On Golf Course, Unincorporated
Road SurfacePaved, Asphalt
ViewGolf Course, Water

Pool & Spa

Private PoolNo
Pool FeaturesGunite, Heated, In Ground
SpaHeated, In Ground

Waterfront

WaterfrontYes
FeaturesBay/Harbor Front, Bay/Harbor, Pond

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
Senior CommunityNo

Financial Details

List Price$229,900
Annual Taxes$3,559 (2024)
FinancingCash, Conventional
Parcel #292916187140000601

Directions

US 19 just South of Belleair Rd on E. Side. When traveling South, exit at Whitney Rd. and make a u-turn. Stay in the service road lane. Cove Cay will be on the right after Haines Bayshore. Stop at the guard gate for a pass with community map on back. Building numbers are located by the main entrance of each village.

Location

2620 COVE CAY DRIVE UNIT 601, CLEARWATER, FL 33760

Listing Information

OfficeFUTURE HOME REALTY INC
ListedDecember 10, 2025

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Home Price

$229,900

20% ($45,980)
6.75%

Loan Term

Principal & Interest$1,193
Property Tax (est.)$211
Insurance (est.)$150
Total Monthly$1,554
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How to Buy This Home

Multiple financing options available for this $229,900 home in CLEARWATER.

🏦

Conventional

$11,495 Down

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

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.

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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: July 21, 2026.

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