Cove Cay Village I Homes for Sale in Clearwater, FL

Gated golf-course condos · Clearwater · ZIP 33760

A gated golf-course condominium community on Tampa Bay with a golf club and marina in Clearwater.

Gated, 24-hour securityGolf course and marinaTampa Bay views

Live Market Pulse

45/100
Momentum

Buyer-Leaning Market (limited data)

This is a gated condominium community with a master and per-village associations, so value turns on the view, the building, and the associations finances; confirm the condo fees, reserves, and leasing rules before any list price.

Free · No obligation

Unlock Off-Market Cove Cay

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

$172K

Median Price

6mo

Supply

129days

Avg DOM

Soft

Seller Leverage

$187/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"Cove Cay is a gated, resort-style condominium community wrapped around a golf course and marina on Tampa Bay, central in Pinellas yet tucked away, with 24-hour security and a golf-cart lifestyle. As a condominium, the read is about the specific residence and view, the building, and the finances of both the village and the master association, more than resale comps. The leverage is choosing the right view and underwriting the condo fees, the reserves, and Florida condo rules before any list price wins you over."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cove Cay Village I market snapshot (as of June 25, 2026): the median sale price is about $172K ($187 per sq ft), with homes averaging 129 days on market and 6.0 months of supply, a buyer-leaning market (limited data). Based on 6 recent closings in live Stellar MLS data.

Cove Cay is a gated golf-course condominium community in Clearwater, along Tampa Bay in the 33760 ZIP, central to Pinellas County near the Gandy and US 19 corridors. It comprises nearly a thousand condominiums divided into four villages, this listing being Village I, set in and around the Cove Cay Golf Club and Cove Cay Marina.

Each village has its own pool, clubhouse, and condominium association, and all four belong to a master association that manages the entrances, common areas, and 24-hour security. Residences offer a range of views, including Tampa Bay, the golf course, and the marina; condition and updates vary by building and unit, and the view and floor drive value as much as the layout.

Because this is a condominium, what you are really buying is a residence plus a share of a village association and the master association. Confirm both the village and master condo fees and what they cover, the budgets and reserves, the master insurance, Florida condo milestone or reserve-study status for taller buildings, and the leasing rules for a specific residence in writing.

For buyers who want a gated, amenity-rich condominium with golf, a marina, and Tampa Bay views in a central Pinellas location, Cove Cay is a distinctive option. The work is choosing the residence and view and underwriting the two associations and the leasing rules before any list price wins you over.

Quick Match

Who Cove Cay is best for.

Best for

Buyers who want a gated, amenity-rich condominium with golf and a marina
People who value Tampa Bay, golf-course, or marina views and 24-hour security
Right-sizers and lock-and-leave owners who want low-maintenance living
Buyers who want a central Pinellas location near the airports and the beaches

Probably not for

Buyers who want a single-family home with a yard
People unwilling to underwrite two associations fees, reserves, and assessments
Buyers whose rental plans conflict with the leasing rules
Anyone who wants new construction with a builder warranty

Market Pulse

How Cove Cay is performing right now

45/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

6Months of supplytight

185Median days on marketdays

1 : 3Under contract vs for salestrong demand

6Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+15%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cove Cay listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare Feather Sound or Clearwater. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now3 : 1active : pending

For sale3

Pending1

Sold 12mo6

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Cove Cay Village I buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Cove Cay

Live MLS inventory for Cove Cay Village I. 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.

Active · 193 daysTop listing

$290,000

2 bd · 2 ba · 1,050 sqft · built 1972

2617 Cove Cay Drive #404, CLEARWATER, 33760

Listed by CHARLES RUTENBERG REALTY INC

Active · 185 days

$224,900

2 bd · 2 ba · 1,050 sqft · built 1972

2617 Cove Cay Drive #604, CLEARWATER, 33760

Strong resaleRenovatedBest value

Listed by RE FLORIDA HOMES

Active · 10 days

$114,900

1 ba · 565 sqft · built 1972

2617 Cove Cay Drive #206, CLEARWATER, 33760

Strong resaleRenovatedBest value

Listed by VENIE BRINSON REAL ESTATE INC

Pending · 336 days

$119,900

1 bd · 1 ba · 650 sqft · built 1972

2617 Cove Cay Drive #306, CLEARWATER, 33760

RenovatedBest value

Listed by REAL ESTATE FIRM OF FLORIDA, LLC

Active and pending Cove Cay listings as of 2026-06-25, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.

Interactive Map

Cove Cay on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

Drive times from Cove Cay. They are approximate and vary with traffic and your exact start point.

US 19 and the Gateway area~3-5 min · regional access and retail

St. Pete-Clearwater International Airport~8-12 min · regional flights

Tampa via the Gandy or Howard Frankland~20-30 min · across Tampa Bay

Downtown St. Petersburg~15-20 min · via I-275

Downtown Clearwater~15-20 min · via US 19 or Roosevelt

Gulf beaches (Clearwater and Indian Rocks)~20-30 min · via the bridges

Tampa International Airport~20-25 min · via the Howard Frankland

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Cove Cay Village I with Momentum Realty’s local guides.

SPSaxony Placeat Carillon Homes for Sale in StSt. Petersburg, FL · 0.2 mi SHShoreline Homes for Sale in StSt. Petersburg, FL · 0.4 mi FSFeather Sound Homes for Sale in Clearwater, FLClearwater, FL · 0.6 mi SWSound Westat Feather SoundClearwater, FL · 0.7 mi BIBay IslesTownhomes in StSt. Petersburg, FL · 0.8 mi BBBack Bay at CarillonSt. Petersburg, FL · 0.8 mi BHBordeauxVillage Homes for Sale in Clearwater, FLClearwater, FL · 0.9 mi SPSunset Palms,Pinellas Park Homes for SalePinellas Park, FL · 1.0 mi BBBrighton Bay Homes for Sale in StSt. Petersburg, FL · 1.2 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Cove Cay (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Pinellas County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Cove Cay is served by Pinellas County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

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

The takeaway

What is actually shaping value at Cove Cay: the gated golf-and-marina condominium model and its two-tier fee structure, Florida condo rules on reserves and inspections, and the central Pinellas location near the airports and the bay. Each item is sourced and linked.

Recent Developments in Cove Cay Village I

Development Intelligence

Our read on what is being built around Cove Cay, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe gated golf-and-marina amenities and the central location point to steady demand, while the near-term watch items are the two-tier fees and reserves and Florida condo rules.

Two-tier condo fee structure defines the carrying cost

Ongoing

NeutralMajor impact

SignificanceRadius: On-site

Village and master association fees together set the recurring cost; confirm both, the reserves, and any assessments before you buy.

Golf, marina, and bay views anchor demand

Ongoing

BullishNotable impact

SignificanceRadius: Community

A gated golf-course community with a marina and Tampa Bay views in a central location supports demand for well-kept, well-viewed residences.

Florida condo rules on reserves and inspections

2022-2026

NeutralNotable impact

SignificanceRadius: Regional

Milestone inspections and reserve studies for taller buildings can affect fees and assessments; confirm the status for the specific building.

Central Pinellas, near the airports and the bay

Ongoing

BullishNotable impact

SignificanceRadius: Corridor

Proximity to US 19, both airports, and the bay supports demand from full-time and seasonal owners.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Cove Cay Village I, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

January 2025
Community
Cove Cay remains a gated golf-and-marina condo community on Tampa Bay
Community sources describe Cove Cay as a gated condominium community of nearly a thousand units in four villages around a golf club and marina on Tampa Bay in Clearwater, with a master association and 24-hour security. Why it matters: Confirm the village and master fees, the reserves, the condo-law status, and the leasing rules for a specific residence before you buy. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Cove Cay buying strategy.

If we were buying in Cove Cay, this is the order of operations we would run, and the one we run for our clients.

Choose the residence and view. The floor, the orientation, and whether the view faces the bay, the golf course, or the marina drive value here.

Underwrite both associations. Get the village and master condo fees, budgets, reserves, and master insurance before you judge the price.

Check Florida condo-law status. Confirm any milestone inspection or structural reserve study for taller buildings and any planned assessments.

Confirm the leasing rules. If you plan to rent, verify the minimum lease term, any rental cap, and approval in writing before you buy.

Compare other central-Pinellas condo communities through our neighborhood guides on view, fee, and reserves before you commit.

The Quick Decision

Best Buy

An updated residence with a strong view in a well-reserved village and master association

Biggest Risk

A thin reserve or pending assessment in the village or master association, or a leasing restriction

Best Lot

A higher floor with a bay or golf view over a lower, interior-facing residence

Smart Timing

Move when an updated residence with a strong view in a sound association appears

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Cove Cay is a gated golf-course condominium community in Clearwater, along Tampa Bay in the 33760 ZIP, central to Pinellas County. It comprises nearly a thousand condominiums in four villages, including Village I, set around the Cove Cay Golf Club and Cove Cay Marina. Each village has its own pool, clubhouse, and condominium association, and all belong to a master association managing the entrances, common areas, and 24-hour security. Residences offer Tampa Bay, golf-course, and marina views. As a condominium, ownership means a residence plus shares of a village and the master association; confirm both fees, the budgets and reserves, the master insurance, Florida condo milestone or reserve-study status, and the leasing rules for a specific residence in writing.

Cove Cay Homes For Sale

What your money buys in Cove Cay.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Cove Cay today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Value Entry

$90K to $160K

Smaller, original units on lower or interior-facing floors, the lowest-cost route into a gated golf-course condo community.

Lowest entry

The View Core

$160K to $195K

Updated residences with golf-course or partial bay views, the heart of what most buyers want here.

Most inventory

The Bayfront Premium

$195K to $230K

The updated units on the highest floors with the best Tampa Bay views, the part of the community that holds value best.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$172K buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$90K to $160K

The Value Entry

Smaller, original units on lower or interior-facing floors, the lowest-cost route into a gated golf-course condo community.

$160K to $195K

The View Core

Updated residences with golf-course or partial bay views, the heart of what most buyers want here.

$195K to $230K

The Bayfront Premium

The updated units on the highest floors with the best Tampa Bay views, the part of the community that holds value best.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Cove Cay, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Cove Cay is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Unit Value

The unit premium.

In a condo the value the market gives back at resale is set by the unit, not a lot: the floor, the view line (direct versus partial), and the exposure. The interior can be renovated, but the floor and view cannot, so higher floors and better views hold their value better. How much more they command varies by building, line, and condition, which is why we read it unit by unit against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Cove Cay holds value.

Our read on the factors that protect resale here, and the one to manage.

No CDD on the tax billStrong

Central Clearwater locationStrong

Scarce, established homesitesStrong

Established, in-demand locationPositive

All-resale 1990s conditionManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Cove Cay

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

The gate, the golf, and the bay are priced into every residence. The deal is won or lost on the view, the building, and the associations finances.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.5B · Buy Score

Resale Strength7.4/10

Renovation Risk7.4/10

Location Efficiency8.4/10

Long-Term Defensibility7.4/10

Carrying Cost Advantage6.4/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Cove Cay is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Unit Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Fill = price per square foot; ring = by realized $/sqft per unit. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

Golf, lake, and preserve lots hold value best
Interior lots are where buyers overpay
The lot cannot be renovated, the house can
Premium homesites resell faster
~3% asking premium for premium lots today

In a built-out club community, the lot is the resale insurance

The houses can be renovated, but the lot and view cannot. Golf frontage, lakefront, and preserve lots consistently command higher premiums and resell faster than interior lots backing to another home. The premium you pay for a great homesite is the discount you avoid when you sell.

The mistake is paying an estate price for a base interior lot. We help buyers spot which homesites carry real, durable premiums and which are dressed-up interiors, so your money lands where the market will give it back.

Strongest resale Golf frontage and lakefront homesites at Cove Cay Village I

Golf & lakefront lots

Open views over the course or the 26 community lakes. The scarcest, most in-demand homesites; they command the highest premiums and resell fastest.

Strong resale Preserve-backing homesites at Cove Cay Village I

Preserve lots

Backing to protected preserve means privacy with no rear neighbor. A consistent favorite that holds value well above a standard interior lot.

Moderate resale Cul-de-sac and larger interior homesites at Cove Cay Village I

Cul-de-sac & larger lots

Less traffic, more yard, and an easy walk to the club for some streets. A real but smaller premium that depends on the street and parcel size.

Value tier Standard interior homesites at Cove Cay Village I

Standard interior lots

The most affordable way through the gates, and the best renovation value. Just do not pay a golf or lake price for one, this is where buyers most often overpay.

Relative resale strength by lot and view, illustrative of how Cove Cay homesites trade. The exact premium depends on the specific home, the view, and the street.

The 15-Second Verdict

Cove Cay in 15 seconds.

Best forBuyers who want a gated golf-course condo with a marina and Tampa Bay views.

Biggest advantageGolf, a marina, 24-hour security, and bay views in a central Pinellas location.

Biggest riskTwo associations fees and reserves, Florida condo rules, and leasing restrictions.

Sweet spotAn updated residence with a strong view in well-reserved village and master associations.

Avoid ifYou want a single-family home, no condo fees, or unrestricted rental rights.

HOA, CDD & Fees

15-Second Take

Village plus master condo fees
Fees fund the buildings, amenities, gate, and security
Confirm budgets, reserves, and master insurance
Check Florida condo milestone and reserve-study status
Verify the leasing rules before you buy to rent

Cove Cay residences carry a village condo fee plus a master association fee; confirm both, what each covers, the budgets, and the reserves for a specific residence in writing.

The village fee typically funds the village pool, clubhouse, building exterior, and grounds; the master fee funds the entrances, common areas, and 24-hour security. Confirm the exact split, the reserves, the master insurance, and any milestone or reserve-study status.

Run Your Numbers

Tools for a Cove Cay 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 Cay.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Cove Cay

Price it to the view, the building, and the associations, not the Zestimate.

If you are selling in Cove Cay, the right list price comes from recent comparable sales matched to your home, not an automated estimate. In a two-association condo community, the view, the building, and the associations standing set your number, not a countywide average.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Cove Cay, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Feather Sound, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Cove Cay home worth?

Get a no-obligation home value based on real comparable sales in Cove Cay matched to your condition, lot, and view, 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 homes for sale in Cove Cay Village I on the map →
Or get your Cove Cay Village I home value & selling guide →

Real comps, not a Zestimate.

The real cost & risk here

Before the list price, the Florida math the portals skip. These are Pinellas County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,026/mo

Pinellas County typical true cost to own

$159/mo

Pinellas County typical home insurance

Check CDD

Confirm before you offer

Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Pinellas County scorecard.

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

How much local inventory is already under contract

14% of homes for sale in ZIP 33760 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 (2026-06-25).

Cove Cay Village I Market Scorecard

Buyer's market

Cove Cay Village I is currently a buyer's market. About 6.0 months of supply, a median asking price of $224,900, and homes go under contract in about 185 days.

6.0

Months supply

$224,900

Median list

$172,500

Median sold

$214

Per sqft

185

Days on mkt

3/1/6

Active/Pend/Sold

Typical home value in the 33760 ZIP is $250,559, about 15.3% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Cove Cay located?

Cove Cay is in Clearwater, along Tampa Bay in the 33760 ZIP, central to Pinellas County near US 19, both airports, and the Gandy and Howard Frankland bridges.

What kind of homes are in Cove Cay?

Cove Cay is a gated golf-course condominium community of nearly a thousand units in four villages, including Village I, with Tampa Bay, golf-course, and marina views. Condition and views vary by building and unit.

What are the condo fees at Cove Cay?

Residences carry a village condo fee plus a master association fee. Confirm both, what each covers, the budgets, and the reserves for a specific residence in writing.

Does Cove Cay have golf and a marina?

Yes. The community is set around the Cove Cay Golf Club and Cove Cay Marina. Confirm the current golf and marina options and any fees, which can be separate from the condo fees.

Is Cove Cay gated?

Yes. Cove Cay is gated with 24-hour security managed by the master association. Confirm the current security and access arrangements.

Can I rent out a condo at Cove Cay?

Leasing rules vary by village association and can include minimum lease terms, rental caps, and approval. If you plan to rent, confirm the current rules for the specific building in writing before you buy.

How do Florida condo laws affect Cove Cay?

Florida's condo-safety and reserve laws require milestone inspections and reserve studies for many buildings three stories or higher. Confirm the status for the specific building and any planned assessments before you buy.

Is there a CDD fee at Cove Cay?

No Community Development District assessment is expected for this condominium community. The relevant recurring costs are the village and master condo fees; confirm both.

Is Cove Cay a good place to buy?

For a buyer who wants a gated golf-and-marina condo with bay views in a central Pinellas location and who underwrites both associations, it can be a strong fit. The view and the associations drive the outcome; this is not a guarantee of future value.

How far is Cove Cay from the beach?

The Clearwater and Indian Rocks Gulf beaches are roughly 20 to 30 minutes away via the bridges, with both airports and the bay much closer.

What schools serve Cove Cay?

Cove Cay is part of Pinellas County Schools in the Clearwater 33760 area. School assignment is by address and can change, so confirm the current zoning for a specific home with the district.

What should I check before buying in Cove Cay?

Choose the residence and view, underwrite the village and master fees, budgets, reserves, and master insurance, confirm the condo-law status and leasing rules, and compare other central-Pinellas condo communities.

Should I use the listing agent to buy in Cove Cay?

No. The listing agent works for the seller. In a two-association condo community where the view and the reserves shape value, having your own representation is the highest-leverage decision you make.

Who is the best real estate agent for Cove Cay Village I?

The best agent for Cove Cay Village I is one who actively works Clearwater and knows the community's pricing, HOA and CDD details, 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 Cay Village I.

How do I find a top Clearwater real estate agent who knows Cove Cay Village I?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Cove Cay Village I and the wider Clearwater area.

Can Momentum Realty connect me with an agent for Cove Cay Village I?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Cove Cay Village I purchase or sale — no call center and no pressure.

The Verdict

Should you buy in Cove Cay?

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

Buyers who want a gated, amenity-rich condominium with golf and a marinaExcellent fit

People who value Tampa Bay, golf-course, or marina views and 24-hour securityExcellent fit

Right-sizers and lock-and-leave owners who want low-maintenance livingExcellent fit

Buyers who want a central Pinellas location near the airports and the beachesExcellent fit

Buyers who will underwrite both associations and the leasing rules before any list priceExcellent fit

Buyers who want a single-family home with a yardProbably not

People unwilling to underwrite two associations fees, reserves, and assessmentsProbably not

Buyers whose rental plans conflict with the leasing rulesProbably not

Anyone who wants new construction with a builder warrantyProbably not

Buyers who want a single-family home, no condo fees, or unrestricted rental rightsProbably not

Get the inside read on Cove Cay

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Cove Cay home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Cove Cay specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Cove Cay Village I — what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. 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; deemed reliable but not guaranteed by MLS GRID.

Cove Cay Village I Homes for Sale in Clearwater, FL

The 60-Second Overview

Who Cove Cay is best for.

Best for

Probably not for

How Cove Cay is performing right now

Homes For Sale Right Now in Cove Cay

Cove Cay on the map.

How far is everything?

Nearby Communities

Schools

Recent Developments in Cove Cay Village I

Two-tier condo fee structure defines the carrying cost

Golf, marina, and bay views anchor demand

Florida condo rules on reserves and inspections

Central Pinellas, near the airports and the bay

Cove Cay remains a gated golf-and-marina condo community on Tampa Bay

The Cove Cay buying strategy.

The full read, only if you want it.

What your money buys in Cove Cay.

What ~$172K buys here.

Renovation & Resale Intelligence

The renovation premium.

The unit premium.

How well Cove Cay holds value.

5 Mistakes Buyers Make in Cove Cay

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Cove Cay is different.

Which Lots & Views Hold Value Best

In a built-out club community, the lot is the resale insurance

Golf & lakefront lots

Preserve lots

Cul-de-sac & larger lots

Standard interior lots

Cove Cay in 15 seconds.

HOA, CDD & Fees

Tools for a Cove Cay buy.

Price it to the view, the building, and the associations, not the Zestimate.

In Cove Cay, condition and view decide your number

What is your Cove Cay home worth?

Price History: What Homes Here Have Actually Sold For

The real cost & risk here

Cove Cay Village I Market Scorecard

Frequently Asked Questions

Should you buy in Cove Cay?

Get the inside read on Cove Cay

You are all set.

Need to sell fast in Pinellas County?

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