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Cove At Bay Pines Homes for Sale: 1 Listing, From $585K

Cove At Bay Pines
Homes for Sale in Madeira Beach, FL

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All 126 homes for sale in Madeira Beach, FL · median $791,850 · 118 homes for sale in 33708 · Pinellas County homes for sale

Community in Madeira Beach · Pinellas County · ZIP 33708
55 homesBuilt 2014–2016
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Photo via Stellar MLS

Built fromLive Stellar MLS data12 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Cove At Bay Pines in Madeira Beach, FL has 1 home for sale. As of October 2026, the MLS records 19 closed sales in Cove At Bay Pines in Madeira Beach, FL since 2014, the most recent in September 2025. Across Madeira Beach as a whole, 119 homes closed in the last 12 months at a median of $580,000, 86 median days on market, with 120 homes for sale today. At that median and Pinellas County's FY2025-26 rate of 19.39 mills, annual property tax runs about $11,240 ($10,430 with the full homestead exemption).

Last 30 days in Cove At Bay Pines: 1 closed sale (median $744,088). As of October 20, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.

Live · Cove At Bay Pines Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
12.0mo
Supply
3 to 6 months is the balanced band
50%
Under contract
Pinellas: 20% (1,627 of 8,166)
1 · 1
For sale · pending
live counts, refreshed twice daily
1
Sold · last 12 mo
10-yr average: about 2 a year
Ownership and context
82%
Owner-occupied · Cove At Bay Pines
45 of 55 parcels homesteaded (FL DOR 2025)
18%
Non-owner-occupied · Cove At Bay Pines
incl. 2% trust or LLC-held · 7% out-of-state
55
Homes in the community
55 residential parcels (FL DOR 2025)
Track record · 12 years of records
4
Recorded sales · 2025-2025
median $785K · qualified sales on the county roll (FL DOR 2025)
Est. 2014
Community established
homes built 2014-2016, median 2014 (FL DOR 2025)
1.8%/yr
Turnover rate
about 1 of 55 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 13, 2026

Cove At Bay Pines sits in Madeira Beach, in Pinellas County, and the data we have is thin by design: a single closing window with very little transaction volume behind it. That means price here is driven less by any published median and more by the specifics of the individual home — its condition, exact location within the community, and how it was updated. In a small pocket like this, one dated or one renovated sale can swing the read, so treat any headline number cautiously.

For a seller, low volume cuts both ways: fewer directly comparable sales to anchor a list price, but also less competing inventory. For a buyer, it means the burden is on you to underwrite the property itself rather than lean on neighborhood averages. This is a market posture that rewards patience and a careful comparable analysis, not speed.

Figures in this note are as of July 13, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Cove At Bay Pines Housing Pulse · Momentum Research · as of September 20, 2026

Cove At Bay Pines right now

🟢 Buyer-leaning market. 12.0 months of supply and 50% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Low (2 active and pending listings, 1 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

By , Co-Founder, Momentum Realty · Updated October 20, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

The 60-Second Overview

Cove At Bay Pines is a small coastal community in Madeira Beach, on the Pinellas County side of the Tampa Bay area, where each sale carries outsized weight because so few change hands at a time.

Stellar MLS sales records identify 32 homes in Cove At Bay Pines that have changed hands since 2014, built between 2014 and 2016 (median 2015), with a median living area of about 2,797 sq ft and a typical 4-bedroom, 2.5-bath layout; 97% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

County records show 4 qualified sales in Cove At Bay Pines across 2025–2025, median $785,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Quick Match

Who Cove At Bay Pines is best for.

Best for

  • Buyers seeking a coastal Madeira Beach location and prepared to budget for flood insurance and coastal construction costs
  • Owners looking for a smaller, lower-turnover community rather than a high-volume subdivision
  • Buyers who value careful, property-level analysis over speed and are comfortable with limited comparable sales

Probably not for

  • Buyers who need a deep pool of recent comparable sales to feel confident on price
  • Those wanting a fast, low-friction purchase without coastal underwriting
  • Buyers unwilling to account for flood zone, insurance, and elevation in their budget
The Area Market

The market around Cove At Bay Pines

Cove At Bay Pines is too small for its own price trend, so here is the market around it.

In ZIP 33708, 365 homes are on the market and 12% are under contract — a slower corner of Madeira Beach.

Across Pinellas County, 6,539 homes are active and 1,627 pending (20% under contract).

In ZIP 33708 (Madeira Beach), 467 homes closed in the last 12 months at a median of $530K ($357/sq ft), up 9.3% year over year, with a median 74 days on market. Right now 171 active and 24 pending listings put supply at about 6.5 months — a buyer's market. See the live ZIP 33708 housing market and the Pinellas County market.

ZIP and county figures describe the wider market, not Cove At Bay Pines specifically. Momentum Research analysis of MLS records.

Homes For Sale Right Now in Cove At Bay Pines

Live MLS inventory for Cove At Bay Pines. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

10132 GRAND OAK CIRCLE home for sale in Cove At Bay Pines Homes for Sale: 1 Listing, From $585KActive · 62 daysTop listing
$585,000
4 bd · 3 ba · 2,217 sqft · built 2016
10132 GRAND OAK CIRCLE, MADEIRA BEACH, 33708
Listed by BRIGHT REALTY GROUP LLC

Active and pending Cove At Bay Pines listings as of 2026-10-19, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2025. Tap any home to ask about it.

Interactive Map

Cove At Bay Pines on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.

Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.

Schools

In short
  • Pinellas County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Orange Grove Elementary-PN · Elementary
  • Osceola Middle-PN · Middle
  • Seminole High-PN · High

Zoned schools reflect the assignments reported on recent Cove At Bay Pines listings and can change; always confirm with Pinellas County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Cove At Bay Pines address.

Shop the zone: Homes zoned for Seminole High-Pn High School

The Strategy

The Cove At Bay Pines buying strategy.

If we were buying in Cove At Bay Pines today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Cove At Bay Pines.

The Quick Decision
Best Buy
Buyers and sellers who want a coastal Madeira Beach address and are willing to transact on property specifics.
Biggest Risk
Thin data makes any single price read unreliable and demands hand-built comparables.
Sweet Spot
A well-maintained or updated home priced off its own condition and coastal attributes.
Avoid If
You need abundant comps and a fast, formula-driven deal.
The Deep Dive

A thin-data coastal pocket

The defining feature of Cove At Bay Pines from a market standpoint is scarcity of data. With a narrow closings window and limited turnover, there is no deep bench of recent sales to lean on. That places the emphasis squarely on the home in front of you: how it has been maintained, whether it has been updated, and where it sits relative to the water and the community's edges.

Because this is Madeira Beach, coastal factors matter more than any single price statistic — flood zone, elevation, insurance, and construction age can move value as much as square footage. Anyone transacting here should price and negotiate off the property's own attributes, and off a hand-picked set of comparables, rather than a broad community figure.

“

The location and the amenities are priced into every listing in Cove At Bay Pines. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
Why Momentum

Why work with Momentum here

In a low-volume coastal community, the difference between a fair price and a costly one comes down to comparable selection and property-level underwriting — flood, insurance, condition, and location within the community. That is the work we do before anyone signs anything, and it matters most exactly where the data is thin.

The 15-Second Verdict

Cove At Bay Pines in 15 seconds.

Best forBuyers and sellers who want a coastal Madeira Beach address and are willing to transact on property specifics.
Biggest advantageLimited turnover means less competing inventory for sellers and a chance to underwrite carefully for buyers.
Biggest riskThin data makes any single price read unreliable and demands hand-built comparables.
Sweet spotA well-maintained or updated home priced off its own condition and coastal attributes.
Avoid ifYou need abundant comps and a fast, formula-driven deal.

What it really costs to own in Cove At Bay Pines

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

HOA duesMedian $135/month across 3 MLS listings (most billed monthly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study.
Home and flood insuranceThe average Citizens Property Insurance premium in Pinellas County is $1,911/yr (20,791 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction.

Email me new listings in Cove At Bay Pines

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Cove At Bay Pines

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Cove At Bay Pines will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Cove At Bay Pines homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Cove At Bay Pines.
In short
  • HOA dues reported around $135/month (about $1,620/yr) · median of 3 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $135 per month ($1,620 a year) — the median AssociationFee across 3 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

Run Your Numbers

Tools for a Cove At Bay Pines buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPinellas County millage and the homestead picture.Rent vs buyThe breakeven on owning in Cove At Bay Pines.Save Our HomesProject your homestead tax cap over time.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Cove At Bay Pines sales matched to your home.

Selling in Cove At Bay Pines

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in Cove At Bay Pines, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.

What is your Cove At Bay Pines home worth?

Get a no-obligation home value based on real comparable sales in Cove At Bay Pines, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See all homes for sale in Madeira Beach →

Real comps, not an automated estimate.

Recently off market in Cove At Bay Pines

Homes in Cove At Bay Pines that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.

Cove At Bay Pines key facts
LocationMadeira Beach, Pinellas County, FL · ZIP 33708
Homes in the community55 (FL DOR 2025 assessment roll)
Years built2014–2016 (median 2014)
Typical living area2,981 sq ft (median)
Amenities listed by sellersGated Community - No Guard
For sale right now1 active, 1 pending · median asking $595,000 · 12.0 months of supply
Owner-occupied (homestead) share82%

Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2025; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Cove At Bay Pines key facts,” movewithmomentum.com/neighborhoods/cove-at-bay-pines, data as of September 20, 2026.

Housing distress & ownership in Cove At Bay Pines, Madeira Beach

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 9 listings
Distress share trend — 0.0% now (2026-09-13 → 2026-10-04)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.

Every Home for Sale in Cove At Bay Pines Right Now (1)

All 1 active and pending Cove At Bay Pines listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

How much local inventory is already under contract

16% of homes for sale in ZIP 33708 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-13).

Frequently Asked Questions

Is Cove At Bay Pines a buyer's or seller's market right now?
As of September 20, 2026, Cove At Bay Pines leans toward buyers: 12.0 months of supply at the current sales pace (Stellar MLS live counts).
How many homes are in Cove At Bay Pines?
The Florida DOR 2025 assessment roll shows 55 homes in Cove At Bay Pines (public records).
What share of Cove At Bay Pines is owner-occupied?
82% of Cove At Bay Pines parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Cove At Bay Pines built?
Homes in Cove At Bay Pines were built between 2014 and 2016, with a median year built of 2014 (FL DOR 2025 roll).
Who is the best real estate agent for Cove At Bay Pines?
The best agent for Cove At Bay Pines is one who actively works Madeira Beach and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Cove At Bay Pines.
How do I find a top Madeira Beach real estate agent who knows Cove At Bay Pines?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cove At Bay Pines and the wider Madeira Beach area.
Can Momentum Realty connect me with an agent for Cove At Bay Pines?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cove At Bay Pines purchase or sale - no call center and no pressure.
Where is Cove At Bay Pines, and what county is it in?
Cove At Bay Pines is in Madeira Beach, Pinellas County, FL, ZIP 33708. The community's center is about 5 miles east of the center of Madeira Beach (straight-line).
The Verdict

Should you buy in Cove At Bay Pines?

An honest fit check. We will tell you when it is not your community.

Buyers seeking a coastal Madeira Beach location and prepared to budget for flood insurance and coastal construction costsExcellent fit
Owners looking for a smaller, lower-turnover community rather than a high-volume subdivisionExcellent fit
Buyers who value careful, property-level analysis over speed and are comfortable with limited comparable salesExcellent fit
Buyers who need a deep pool of recent comparable sales to feel confident on priceProbably not
Those wanting a fast, low-friction purchase without coastal underwritingProbably not
Buyers unwilling to account for flood zone, insurance, and elevation in their budgetProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 19, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 33708))
Under-contract sharesStellar MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2014 (19 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.

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Nearby Communities

Explore more neighborhoods near Cove At Bay Pines with Momentum Realty’s local guides.

OEOrange Estates Of St Pete0.1 mi away · 135 homes, built 1952–19BPBay Pines Apartments Condo0.2 mi away · median $105K, 9 sales/12 moOrange Estates Of St Pete0.3 mi away · median $305K, 5 sales/12 moBPBay Pines Estates0.3 mi away · 689 homes, built 1947–24Bay Pines Estates0.3 mi away · median $538K, 4 sales/12 moSPSouth Pinellas Community Council0.3 mi away · 106 homes, built 1950–14Bay Woods0.3 mi away · median $396K, 4 sales/12 mo

Browse all neighborhood guides →

Thinking of selling in Cove At Bay Pines? 1 recorded closings (window ending 2026-09-20). See the Pinellas County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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