900 Cove Cay Dr #1F, photo 1
Active
1 / 69

Overview

2 bd2 ba960 sqftCondominium
TypeCondominium
HOA$695/mo
Built1990
Living area960 sqft
Price / sqft$168

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Tennis Court(s)ClubhouseFitness CenterGolf Carts OKGolfPoolRestaurant

900 Cove Cay Dr #1F is a 1990-built home in Cove Cay Village III, Clearwater. Inside you'll find 2 bedrooms, 2 bathrooms, and 960 square feet of living space. Listed at $161,500 (about $168/sqft), 100 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $695 monthly.

From the listing

Experience the Florida Lifestyle You've Been Dreaming About! Welcome to Cove Cay, one of Tampa Bay's most desirable gated waterfront golf communities, where every day feels like a vacation. Perfect as a primary residence, winter retreat, or second home, this beautifully maintained first-floor condo offers the ideal combination of waterfront serenity, resort-style amenities, and low-maintenance living. This spacious 2-bedroom, 2-bath residence overlooks a tranquil canal and mangrove-lined inlet connected to Tampa Bay, creating a peaceful natural backdrop right outside your screened lanai. Enjoy morning coffee while watching native birds and coastal wildlife, or unwind in the evenings with gentle waterfront breezes. Inside, you'll find a bright and inviting floor plan filled with natural light. The updated kitchen features stone countertops, newer appliances, and a convenient in-unit washer and dryer. The generously sized primary suite includes two closets and an en-suite bath with a private water closet and walk-in shower. Tile flooring throughout the main living areas offers easy maintenance, while the bedrooms provide comfort and warmth. Beyond your front door awaits an unmatched Florida lifestyle. Cove Cay is a secure, 24-hour gated community nestled along Tampa Bay and centered around a scenic 18-hole championship golf course. Residents enjoy access to an on-site restaurant and pub, beautifully landscaped grounds, community pools, and the nearby marina offering affordable boat slips, storage, rentals, and easy access to Tampa Bay's waterways. Whether your passion is golf, boating, fishing, or simply enjoying Florida's sunshine, Cove Cay offers it all in one convenient location. You're just minutes from world-famous Gulf beaches, vibrant downtowns, major airports, shopping, dining, and professional sports venues. The monthly maintenance fee makes ownership easy by covering cable, internet, building insurance, water, sewer, trash, lawn care, and pool maintenance—allowing you to spend less time on upkeep and more time enjoying the Florida lifestyle. If you've been searching for an affordable waterfront golf community with exceptional amenities and a true resort atmosphere, this is your opportunity to own a piece of paradise in Tampa Bay.

The essentials

Built
1990
Price / sqft
$168
On market
123 days
Annual tax
$600
HOA
$695/mo
Flood zone
AE
Type
Condominium

At a glance

Condo
7 stories · 1990
Water views
Water
Community pool
Fitness center too
960 sqft
Living area

Payment

Est. monthly payment
$1,668/mo
Down payment (20%)
$32,300
Property taxes
$50/mo
HOA
$695/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1990
Lot
-
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
123
Ceiling Fans(s)
Tennis Court(s)
Clubhouse
Fitness Center
Golf Carts OK
Golf
Pool
Restaurant
Dishwasher
Disposal
Refrigerator
Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$600
Parcel #
29-29-16-18708-003-0160

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Cove Cay Village III
County
Pinellas
MLS Area
33760 - Clearwater
HOA
$695/mo
Madi Nazario

Price history

Date
Event
Price
9/16/2026
Price change
Source: Stellar MLS #TB8516894
$161,500-5.0%
$168/sqft
6/8/2026
Listed for sale
Source: Stellar MLS #TB8516894
$170,000
$177/sqft

Neighborhood

900 Cove Cay Dr #1F
Clearwater, FL, 33760 · 33760 - Clearwater

Market insights

Offer Insights

Choose an offer strength

List price: $161,500
$160,000 – $161,500
98.7% – 100% of listTops out right at the list price
80% of listList price
18 of the last 35 condo closings in 33760 landed at this number or higher (51%). The median one sat 48 days before it went under contract, and this one is on day 123 after a $8,500 cut.

Sample: 35 closed condo sales in 33760 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,668/mo
Principal & interest$842
Property taxes$50
Insurance$81
HOA$695
Down payment20% · $32,300
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$161,500

$168 per sq ft

Beds and baths

2 beds, 2 baths

Size

960 sq ft

Time on market

123 days

Year built

1990

Monthly payment

About $1,668/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $600 annual tax bill, insurance, and the $695/mo HOA fee.

HOA fee

$695/mo

Managed by Madi Nazario.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byKELLER WILLIAMS ST PETE REALTYListing agent: Mark BaserapListing data from Stellar MLS, MLS# TB8516894.

Keep exploring Florida

Pick up where you left off, or see what else is out there.