134 days on marketCondominium▼ Price cut: $2,000 (8/20)
$281,990
2-Bedroom Condo in CONTINENTAL TOWERS CONDO
4775 COVE CIRCLE #103, ST PETERSBURG, FL 33708
Condominium in CONTINENTAL TOWERS CONDO, ST PETERSBURG · No CDD
CONTINENTAL TOWERS CONDO · ST PETERSBURG, FL 33708 · Pinellas
Listing data updated September 12, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,050Sq Ft
1971Year Built
$269Per Sq Ft
No CDD
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
38% above
$/sq ft vs community
$269 here vs $195 median sold (12 mo)
Buyer leverage
Buyer advantage
134 days on market
5.1 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$2k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 4775 Cove Circle #103 in Continental Towers Condo, St Petersburg is listed at $281,990 (1,050 sq ft, about $269 per sq ft). That is 61% above Continental Towers Condo's median closed sale of $175,000 over the last 12 months (7 recorded sales). Per square foot it is above the community's recent $195/sq ft by about 38%. It has been 134 days on market, longer than the community's typical 79 days to contract. Listing facts: built in 1971, HOA dues of $808/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1971 · 55 yrs
1,050 sq ft of living area
Listed at $281,990 — recent neighborhood median sale price ~$175,000 (nearby sales; deemed reliable, not an appraisal)
134 days on market
HOA $808/mo (per listing)
Momentum Research · Continental Towers Condo
Pricing & the Continental Towers Condo market
How this home is priced against recent nearby sales, and where Continental Towers Condo has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Continental Towers Condo
Each dot is a closed sale since 2014 (59 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2014–2026. This home lists at $269/sq ft.
Median sale price by year
12-month median closed price, 2014–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2015–2026. Now 34 (cold).
Property timeline
This home’s history
1971BuiltPer public record
Jul 10, 2026First trackedObserved at $286,990
Aug 4, 2026Price cut$283,990
Aug 20, 2026Price cut$281,990
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,672/mo
Principal & interest $1,465/mo55%
Taxes $247/mo9%
Insurance $153/mo6%
HOA $808/mo30%
$2,672/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Strongest on: Pricing power (94), Market timing (66)
0 limited50100 exceptional
40/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $269/sq ft vs the community 12-month median $195/sq ft.
Affordability0
List price $281,990 vs the community median $175,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost15
From FEMA Zone AE and a 1971 build. Obtain a property-specific quote.
Market liquidity38
Community median 79 days on market, ~5.1 months of supply (12-month record).
Renovation upside64
From a 1971 build and $269/sq ft vs the community median $195/sq ft. Not a condition assessment.
Pricing power94
Recent sales closed at about 89.1% of original asking (~10.9% below). More room below asking generally favors buyers.
Market timing66
Momentum Market Heat is 34/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 5.1 months of supply in the surrounding market and 134 days on market for this home, against a 79-day area median.Days on market:this home 134Area median: 79 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. As of September 12, 2026.
🟡 Asking $269 per square foot, about 38% above the community’s $195 median. Continental Towers Condo’s 12-month median sold price per square foot is $195. Median sold price per square foot is down 18.0% year over year. Confidence: Low · 7 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Continental Towers Condo sales closed near 89.1% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Continental Towers Condo, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to this beautifully fully remodeled waterfront 2-bedroom, 2-bath condo in the highly sought-after 55+ gated community of Continental Towers in St. Petersburg. Offering stunning Intracoastal Waterway views, this move-in ready residence combines modern upgrades with effortless coastal living.
Step inside to a bright, open-concept layout where the living, dining, and kitchen areas flow seamlessly together, all complemented by serene water views. The interior has been completely updated, featuring brand new flooring, new windows, a fully renovated kitchen with stone countertops, stainless steel appliances, and modern cabinetry, creating a clean, contemporary space that truly feels like new construction. Enjoy peace of mind with a brand new HVAC system and updated finishes throughout.
The spacious primary suite offers a private retreat with an en-suite bathroom and a bonus sunroom—perfect for enjoying your morning coffee while taking in the waterfront views. The guest bedroom provides ample space and flexibility, ideal for visitors or a home office. This first-floor unit offers easy, stair-free access and includes a private outdoor space to relax and unwind.
Residents of Continental Towers enjoy a resort-style lifestyle with amenities including two community pools, tennis courts, shuffleboard, a fishing pier, and 24-hour gated security. Boat slips are being reconstructed, with limited availability for separate purchase. The community is also undergoing updates, enhancing long-term value and appeal.
The condo fee covers cable, insurance, exterior maintenance, water, sewer, trash, pest control, and more—providing truly low-maintenance living. The current special assessment has already been paid in full by the seller. Ideally located just minutes from the beaches, shopping, and dining, this property offers the perfect blend of luxury, convenience, and coastal lifestyle.
Whether you’re seeking a full-time residence or seasonal retreat, this fully upgraded waterfront condo is a rare opportunity—schedule your private showing today!
Description provided by HOPKEY REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$281,990
Bed / bath2 / 2
Living area1,050 sq ft
Year built1971
Property typeCondominium
MLS #O6398514
Listing status134 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~6 ft
Windstorm exposureLow
CountyPinellas
Area listings3 active · 0 under contract
Estimated first-year tax~$2,961/yr
CDD assessmentNone on record
HOA (per listing)$808/mo
Calculated estimates
Price per sq ft$269
Estimated monthly payment$2,672
Insurance (illustrative)$2k–$2k/yr
Messtimate range$175,350 – $215,250
Comparable-sales median$175,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of HOPKEY REALTY · Listing agent: Michael Dudley · 407-454-1217Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 is deemed reliable but is not guaranteed by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$175,350the mess$215,250
Actual list price: $281,990 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 23% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1971 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 5 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $808/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 134 days on market vs. a 79-day community median
4 active listings competing
≈5.1 months of supply
7 closed here in the last 12 months
For reference, this home is listed at $281,990 ($269/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,050 sq ft × $167–$205/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near CONTINENTAL TOWERS CONDO
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $281,990Momentum Realty · on market 134 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,961/yr
A rough first-year estimate only, applying a typical Pinellas rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$808/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~6 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 4775 COVE CIRCLE #103?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by HOPKEY REALTY · MLS # O6398514
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Market data · public records
Recent sales activity in CONTINENTAL TOWERS CONDO
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the CONTINENTAL TOWERS CONDO neighborhood guide for more.
Comparable sales found
5
Recent nearby closings in the data set.
Community median sale price
$175,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$195
Canonical 12-month median $/sq ft. Reference only.
Go deeper on CONTINENTAL TOWERS CONDO
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
St. Pete advances housing plan for nine vacant city lots
The St. Petersburg City Council unanimously approved a first reading of an ordinance to place a measure on the November 3 ballot that would remove nine vacant city lots in Methodist Town from the city's Charter Park and Waterfront Map. The change would allow up to 41 units of affordable or workforce housing, with four lots planned for single family homes and five larger parcels for multifamily housing. The lots have held park designations since 1984 but have remained vacant.
Why it matters: Advances a plan to convert nine vacant city lots into new single family and multifamily housing, adding to local housing inventory. Placing the parcels on the ballot could open long dormant land for residential construction. The site is less than a mile west of Continental Towers Condo.
St. Pete approves temporary downtown dock for Tampa Bay ferry
The St. Petersburg City Council approved a temporary ferry dock on Bayshore Boulevard near the Vinoy in downtown St. Petersburg under a three-year contract costing about 324,200 dollars. Hubbard's Marina will operate cross bay service between downtown St. Petersburg and the Tampa Convention Center, with two vessels running year round. Service is expected to begin in October or November.
Why it matters: Establishes a temporary downtown dock and cross bay ferry connection, adding a new transit option and waterfront infrastructure serving the downtown St. Petersburg market. The site is less than a mile northeast of Continental Towers Condo.
Blake-Related team selected to redevelop 86-acre Historic Gas Plant District
St. Petersburg selected a bid led by Blake Investment Partners, with the Related Group as co-developer, to redevelop the 86-acre Historic Gas Plant District at the Tropicana Field site. The roughly 8.1 billion dollar mixed use plan calls for more than 3,600 income-restricted residential units, a 13-acre central park, and office, retail, hotel and civic space over an estimated 20-year buildout. The developers plan to purchase about 58 acres while the city retains roughly one third.
Why it matters: Adds a large mixed use district with thousands of new residential units, a central park, and office, retail, hotel and civic space to the downtown St. Petersburg market. Redevelopment of the Tropicana Field site reshapes the surrounding property landscape and expands housing supply. The site is less than a mile southwest of Continental Towers Condo.
Schools currently assigned to this address in Pinellas County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Pinellas County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$115,000
4775 COVE CIRCLE #106, ST PETERSBURG
2 / 2 bd/ba · 1,050 sq ft · $110/sq ft
Courtesy of ACTION REALTY OF TAMPA BAY INC · View details →
Sold May 2026
$175,000
4775 COVE CIRCLE #403, ST PETERSBURG
2 / 2 bd/ba · 1,050 sq ft · $167/sq ft
Courtesy of CENTURY 21 RE CHAMPIONS · View details →
Sold May 2026
$205,000
4775 COVE CIRCLE #1008, ST PETERSBURG
2 / 2 bd/ba · 1,050 sq ft · $195/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold Oct 2025
$215,000
4775 COVE CIRCLE #803, ST PETERSBURG
2 / 2 bd/ba · 1,050 sq ft · $205/sq ft
Courtesy of ASSURANCE PROPERTY & REALTY SERVICES, INC. · View details →
Sold Apr 2026
$185,000
4775 COVE CIRCLE #407, ST PETERSBURG
1 / 1 bd/ba · 800 sq ft · $231/sq ft
Courtesy of KELLER WILLIAMS ST PETE REALTY · View details →
Community 12-month median: $195/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,292 – $1,880/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate0.9%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,418 – −$889At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 4775 Cove Circle #103, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1971 (55 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Pinellas County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,050 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,961/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
ST PETERSBURG
Groceries, dining, and parks for this city — see the city guide.
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 4775 Cove Circle #103 and when was it built?
Per the listing record, 4775 Cove Circle #103 was built in 1971 and has 1,050 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 4775 Cove Circle #103 in?
4775 Cove Circle #103 is in Continental Towers Condo in St Petersburg, Pinellas County. The community section on this page shows recent closed sales, days on market, and active inventory for Continental Towers Condo from the same MLS data.
Does 4775 Cove Circle #103 have an HOA, and how much are the dues?
The listing reports HOA dues of $808 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 4775 Cove Circle #103 differ from the current owner's?
The estimate on this page (about $2,961 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 4775 Cove Circle #103 in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 4775 COVE CIRCLE #103 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
