Cove Cay
Village II Homes for Sale in Clearwater, FL

Gated golf condominium · Clearwater · ZIP 33760

A small two-building village in the guard-gated Cove Cay community, two ten-story towers on Old Tampa Bay near US-19, with golf, a marina and a heated pool. The read is the unit, the condo budget, the milestone-inspection status, and the rules, confirmed before you offer.

Guard-gatedTwo ten-story buildingsGolf and marina

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

Value here is a unit-by-unit read on floor, view, and the condo association's fees and reserves; note Village II is two older ten-story buildings from 1973 that fall under Florida's milestone-inspection and reserve-study rules, so confirm the inspection status and budget before you anchor on a price.

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Unlock Off-Market Cove Cay Village II

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

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Median Price

0mo

Supply

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Avg DOM

Soft

Seller Leverage

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Median $/Sqft

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1-Yr Price Change

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Distress

Jon's Current Read

"Cove Cay Village II is one of the gated condominium villages inside the guard-gated Cove Cay community in Clearwater, a small village of two ten-story buildings (2620 and 2621) built in 1973 on Old Tampa Bay near US-19, within a community wrapped around an 18-hole golf course with a marina. The unit mix runs from studios and one-bedrooms to two-bedrooms and penthouses, with building 2621 holding larger deluxe two-bedroom, two-bath layouts; floor plan and exposure vary by position. It is a quiet, established, value-oriented gated lifestyle rather than a luxury tier. The read is unit-specific: the floor, the view, and the condo budget, since the monthly fee covers building operations, the recreation area, insurance and reserves. As an older mid-rise over three stories, Village II falls under Florida's milestone-inspection and structural-integrity reserve-study requirements, so the inspection and reserve status matter to the carry. Read the fee, the reserves, any assessment and the milestone status, then comp by building, floor and view rather than a community average."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cove Cay Village II is one of several gated condominium villages within the larger guard-gated Cove Cay community in Clearwater (ZIP 33760), Pinellas County, on Old Tampa Bay just off US-19. The community is built around an 18-hole golf course and a marina, and Village II sits near the back gate with access onto Haines Bayshore Road.

Village II is a small village of two ten-story buildings, addressed 2620 and 2621, described as built in 1973. The unit mix includes studios, one-bedroom units, two-bedroom units and penthouses; building 2621 holds the larger deluxe two-bedroom, two-bath layouts and overlooks the pool and recreation area, while 2620 sits by a pond with golf and bay views. The village has its own recreation facility and condominium association, and the community has a staffed guard gate.

Because this is a condominium, the carrying cost is a monthly fee rather than a community HOA plus CDD. The village reports that the fee covers water, sewer, trash, cable, internet, structure insurance, grounds, around-the-clock security and use of the recreation area; there is no CDD. As two ten-story buildings from 1973, Village II falls under Florida's milestone-inspection and reserve-study rules for older mid-rises, so confirm the fee, the reserve study, the milestone status and any special assessment for the specific unit.

Confirm the rules that govern Village II, including its pet policy, which the village describes as allowing one small dog or two cats, and any leasing rules, plus the floor, view, exposure and condition of the specific unit before you offer.

Quick Match

Who Cove Cay Village II is best for.

Best for

Buyers who want a gated, guard-gated golf and marina lifestyle at a value price
Buyers who want a low-maintenance, lock-and-leave condo near US-19 and the airport
Buyers who like a small two-building village with a recreation area
Buyers who will confirm the condo budget, milestone status and rules

Probably not for

Buyers who want a brand-new building or luxury-tier finishes
Buyers who want a single-family home or a yard
Buyers uncomfortable with an older mid-rise and milestone-inspection scrutiny
Buyers who want to run nightly or weekly rentals

Market Pulse

How Cove Cay Village II is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

72Median days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%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 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Cove Cay Village II 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 Cove Cay Village III 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 now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

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 II buys, holds, and resells. See the five factors.

Interactive Map

Cove Cay Village II 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.

The Club & Membership

15-Second Take

Guard-gated golf and marina community
Village II recreation area and heated pool
Fee covers insurance, security and recreation
Older mid-rise, milestone inspection applies
Floor, exposure and view drive resale

Cove Cay Village II is one of the gated condominium villages within the guard-gated Cove Cay community in Clearwater (ZIP 33760), Pinellas County, on Old Tampa Bay just off US-19, near the back gate to Haines Bayshore Road. The community is built around an 18-hole golf course and a marina, and Village II is a small village of two ten-story buildings, 2620 and 2621, described as built in 1973, with a mix of studios, one-bedrooms, two-bedrooms and penthouses, plus its own recreation facility with a clubhouse, fitness center, sauna and a heated pool and spa. The carry is a monthly condo fee that the village reports covers water, sewer, trash, cable, internet, insurance, grounds, security and recreation, with no CDD; golf is a separate pay-to-play cost. As two ten-story buildings from 1973, Village II falls under Florida's milestone-inspection and reserve-study rules. Confirm the fee, reserves, milestone status and any assessment, the pet and leasing rules, the flood and insurance picture, and the floor, exposure, view and condition of the specific unit, since details change.

Nearby & Commute

How far is everything?

The takeaway

The central Pinellas location is the point: US-19, the airport and St. Petersburg are all a short drive, with the Gulf beaches a bit farther.

Drive times from the community area; the location puts US-19, the airport, and the bay within reach.

US-19 and Gulf-to-Bay Boulevard~2 to 5 min · adjacent corridors

Tampa International Airport~12 to 18 min · via the Courtney Campbell Causeway

St. Petersburg and the Gateway area~10 to 15 min · south

Clearwater Beach and the Gulf~20 to 30 min · west

Downtown Clearwater~10 to 15 min · northwest

Downtown Tampa~20 to 30 min · east

Drive times are approximate and vary with traffic and your exact departure point. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Cove CayVillage II Homes for Sale in Clearwater, FL with Momentum Realty’s local guides.

CCCove CayVillage III Homes for Sale in Clearwater, FLClearwater, FL · adjacent EPEastwood Pines Homes for Sale in Clearwater, FLClearwater, FL · 0.3 mi WHWhitneyLakes Homes for Sale in Clearwater, FLClearwater, FL · 0.6 mi BABay AristocratVillage Homes for Sale in Clearwater, FLClearwater, FL · 0.6 mi OGOak Grove Homes for Sale in Clearwater, FLClearwater, FL · 0.7 mi SHSeabrooke Homes for Sale in Clearwater, FLClearwater, FL · 0.8 mi TBTowns at Belleair Grove,Clearwater Homes for SaleClearwater, FL · 0.9 mi CHClearwaterCascade Homes for SaleClearwater, FL · 1.0 mi DVDoral Village Homes for Sale in Clearwater, FLClearwater, FL · 1.0 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 Village II (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 Village II 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.

Public

Pinellas County Public Schools (verify by address)

Verifyrating

By address

Confirm zoned elementary, middle, and high

Verifyrating

Choice

Magnet and choice options may apply

Verifyrating

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

The takeaway

What is actually shaping value at Cove Cay and on Old Tampa Bay, sourced and dated. We do not publish rumor.

Recent Developments in Cove Cay Village II

Development Intelligence

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

Net OutlookBullishThe structural story is steady demand for a gated, value-priced golf and marina lifestyle near US-19 and the airport, balanced against condo-budget, milestone-inspection and insurance scrutiny statewide and coastal storm exposure on the bay. Watch the village budgets, reserves and inspection status against demand for affordable gated living, and confirm the carry per unit.

Small two-building gated village at a value price

Ongoing

BullishNotable impact

SignificanceRadius: Community

Village II is a small village of two ten-story buildings with a recreation area inside a guard-gated golf community, which supports demand from right-sizers, snowbirds and golfers seeking value.

Convenient central Pinellas location

Ongoing

BullishNotable impact

SignificanceRadius: Area

Proximity to US-19, the Courtney Campbell Causeway and Tampa International Airport is a durable convenience driver.

Milestone inspections and reserves for older mid-rises

2024

NeutralMajor impact

SignificanceRadius: Community

Florida requires milestone inspections and structural reserve studies for condo buildings three stories or taller at 30 years; Village II's 1973 ten-story buildings fall within these rules, so confirm the inspection and reserve status per unit.

Coastal storm exposure on Old Tampa Bay

2024

BearishNotable impact

SignificanceRadius: Area

The 2024 storms brought record surge to Clearwater and Old Tampa Bay shorelines; confirm the building's elevation, storm history and master insurance.

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 II, 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 ↓

October 2024
Storm
Record storm surge hits the Tampa Bay region in 2024
WUSF reported in October 2024 that early readings showed the Tampa Bay region sustained record storm surge during Hurricane Helene, with tidal gauges from Clearwater south logging record levels. Why it matters: The bay setting carries coastal storm exposure. Confirm a building's elevation, storm history and master insurance, and any special assessment, before you anchor on a number. Source
August 2024
Regulation
Pinellas County details condo milestone inspection rules
Pinellas County's milestone-inspection page, updated in August 2024, explains that condo buildings three stories or taller must complete a milestone structural inspection at 30 years of age and every ten years after, with initial deadlines through 2024 and 2025. Why it matters: Village II's 1973 ten-story buildings fall under these rules. Confirm the milestone status, any phase-two findings, and the reserve study before you offer. Source
July 2025
Regulation
Florida HB 913 updates condo safety and reserve rules
Florida's HB 913, effective July 1, 2025, adjusted condo structural-safety and reserve requirements, including the structural-integrity reserve-study framework and funding flexibility, per the Florida Senate bill summary. Why it matters: Reserve and inspection rules for older condos continue to evolve. Confirm Village II's current reserve study, milestone status and any assessment per unit. 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 Village II buying strategy.

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

Read the condo budget and reserves first. Ask for the monthly fee, the reserve study, the master insurance, and any special assessment for the unit.

Confirm the milestone-inspection status, since Village II is two ten-story buildings from 1973 that fall under Florida's milestone and structural reserve rules.

Compare floor, exposure and view, since a higher floor, a penthouse or deluxe layout, and a bay, golf or pond view drive value in a ten-story building.

Confirm the pet and leasing rules, which the village describes as one small dog or two cats, before you assume your plans fit.

Weigh the sibling village, Cove Cay Village III, on fees, age, rules and floor plans.

The Quick Decision

Best Buy

A higher-floor or penthouse unit, or a deluxe two-bedroom in 2621, with a strong bay, golf or pond view in a building with a clean milestone inspection and sound reserves, with the fee and any assessment confirmed.

Biggest Risk

Anchoring on the price without confirming the condo budget, the reserves, the milestone status, or whether the pet and lease rules fit your plans.

Best Lot

Floor, exposure and view are the homesite here; higher floors, penthouses, deluxe layouts and bay or golf views defend value best.

Smart Timing

Established condo inventory turns steadily; the right unit in a well-funded building with a clean inspection is worth waiting for.

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 Village II Homes For Sale

What your money buys in Cove Cay Village II.

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 Village II today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

Entry: studios and one-bedroom units

The studios and one-bedroom units, the entry point into a gated golf community. Confirm current pricing, the condo fee and the milestone status on the live listings below.

Lowest entry

Core: two-bedroom and deluxe layouts

The two-bedroom units, including the larger deluxe two-bedroom, two-bath layouts in building 2621, the core of the Village II market. Confirm current pricing on the live listings below.

Most inventory

High: higher-floor and penthouse units

The higher-floor units and penthouses with the best bay, golf or pond views, the top of this village market. Confirm current pricing on the live listings below.

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 ~$900K buys here.

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

Entry: studios and one-bedroom units

The studios and one-bedroom units, the entry point into a gated golf community. Confirm current pricing, the condo fee and the milestone status on the live listings below.

Core: two-bedroom and deluxe layouts

The two-bedroom units, including the larger deluxe two-bedroom, two-bath layouts in building 2621, the core of the Village II market. Confirm current pricing on the live listings below.

High: higher-floor and penthouse units

The higher-floor units and penthouses with the best bay, golf or pond views, the top of this village market. Confirm current pricing on the live listings below.

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 Village II, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Golf and lake lots 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 Village II is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On golf, lake, and preserve frontage, the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home 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 Village II holds value.

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

Small gated village with recreation areaStrong

Convenient central Pinellas locationStrong

Heated pool, fitness and saunaSolid

Confirm milestone inspection and reservesWatch it

Confirm pet and leasing rules fitManage it

Momentum analysis based on the no-CDD structure, central location, built-out lot scarcity, the funded club plan, and the all-resale 1990s housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated golf or lake home priced just under the next tier up. Buyers chasing the single biggest estate often pay estate prices for what is really a renovation project.

5 Mistakes Buyers Make in Cove Cay Village II

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Ignoring the optional club cost
Skipping the roof, HVAC, and systems check

In an all-resale, seven-figure, renovation-driven market, the same five mistakes cost buyers the most. 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

Golf frontage, lakefront, and preserve lots carry real, durable premiums. Pay an estate price for an interior lot and you are buying the weakest version of the value.

Ignoring the club decision

The club is optional and separate, so two similar homes can cost very differently to own. Buyers who do not price the membership they will actually use misread their real monthly number.

Skipping the systems check

A 1990s home means 1990s-era 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.

“

Cove Cay Village II is a small gated golf-condo village, value over luxury. The deal turns on the unit, the condo budget, the milestone status, and the village rules, confirmed before you offer.

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.

7.1B · Buy Score

Resale Strength7.1/10

Renovation Risk6.8/10

Location Efficiency8.2/10

Long-Term Defensibility7.2/10

Carrying Cost Advantage5.5/10

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 Village II 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 · Lot 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

GolfLake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. 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

Floor, exposure and view are the homesite
Higher floors and penthouses defend best
Confirm the milestone status and reserves
Confirm the pet and leasing rules fit
Comp by building, floor and view, not an average

In a ten-story condo the floor, the exposure and the view are the homesite, and they set resale value alongside the building's budget and inspection status. Higher floors, penthouses, deluxe two-bedroom layouts and bay, golf or pond views defend price best, while lower or obstructed exposures lag. Read the floor and the view first, confirm the condo fee, the reserves, the milestone-inspection status and the Village II rules, then price the unit against the closest comparable sale rather than a community-wide per-foot average.

The 15-Second Verdict

Cove Cay Village II in 15 seconds.

Best forBuyers who want a gated golf and marina lifestyle at a value price in Clearwater, in a small two-building village.

Strong onA guard gate, an 18-hole golf course and marina on Old Tampa Bay, a heated pool and recreation area, and a quiet small-village feel.

WatchThe condo budget, reserves and milestone status. These are two ten-story buildings from 1973, so confirm the fee, the inspection, the reserves and any assessment.

Sweet spotA higher-floor, penthouse or deluxe two-bedroom unit with a strong bay, golf or pond view in a well-funded building with a clean inspection, with the fee confirmed.

Not forBuyers who want a new or luxury building, a yard, or who are uncomfortable with an older mid-rise.

HOA, CDD & Fees

15-Second Take

For-sale condominium, monthly fee applies
No CDD, guard-gated community
Fee covers insurance, recreation and security
Older mid-rise, milestone-inspection rules apply
Confirm pet and leasing rules per the village

Cove Cay Village II is a condominium, so the carry is a monthly condo fee rather than a community HOA plus CDD. Reported figures vary by unit and building. There is no CDD. As two ten-story buildings from 1973, Village II also falls under Florida's milestone-inspection and structural-integrity reserve-study rules for older mid-rises, which can affect reserves and assessments. Confirm the exact monthly fee, the reserve study, the milestone status, and any special assessment for the specific unit before you offer; we pull the documents.

The village reports the condo fee covers water, sewer, trash, cable, internet, structure insurance, care of the grounds, around-the-clock security, on-site management and use of the recreation area. Golf is a separate pay-to-play cost at the Cove Cay Golf Club. Budget the fee plus your interior maintenance, and confirm what is current.

Run Your Numbers

Tools for a Cove Cay Village II 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 Village II.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 Village II

Price it to your floor, exposure and the building's budget and inspection, not a per-foot average.

If you are selling in Cove Cay Village II, the right list price comes from recent sales matched to your floor, exposure, view, building and condition, where the budget, reserves and milestone status matter to buyers. Clear fee, reserve and inspection documentation helps a buyer act.

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 Village II, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Cove Cay Village III, 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 Village II home worth?

Get a no-obligation home value based on real comparable sales in Cove Cay Village II 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 II on the map →
Or get your Cove Cay Village II home value & selling guide →

Real comps, not a Zestimate.

Cove Cay Village II Market Scorecard

Strong seller's market

Cove Cay Village II is currently a strong seller's market. About 1.8 months of supply, a median asking price of $1,019,500, and homes go under contract in about 79 days.

1.8

Months supply

$1,019,500

Median list

$847,500

Median sold

$313

Per sqft

Days on mkt

6/8/41

Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

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

Live data: Stellar MLS, 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 Village II located?

Cove Cay Village II is a gated condominium village within the guard-gated Cove Cay community in Clearwater, FL (ZIP 33760), Pinellas County, on Old Tampa Bay just off US-19. It sits near the back gate with access onto Haines Bayshore Road.

What buildings make up Cove Cay Village II?

Village II is a small village of two ten-story buildings, addressed 2620 and 2621, described as built in 1973. Building 2620 sits by a pond with golf and bay views, and 2621 overlooks the pool and recreation area.

What kind of units are in Cove Cay Village II?

The village reports a mix of studios, one-bedroom units, two-bedroom units and penthouses, with building 2621 holding larger deluxe two-bedroom, two-bath layouts of about 1,250 square feet. Floor, exposure and view vary by position, so confirm the exact layout for any specific unit.

Is Cove Cay Village II age-restricted?

Cove Cay as a whole is not marketed as a 55-plus community, and Village II is not marketed as age-restricted. Confirm any age or occupancy rules for the specific building before you offer.

Does Cove Cay Village II allow pets?

The village describes its pet policy as allowing one small dog or two cats, which differs from some other Cove Cay villages. Pet rules are decisive for many buyers, so confirm the current rule and any size limit for the specific building before you offer.

What are the condo fees at Cove Cay Village II?

Village II charges a monthly condo fee that the village reports covers water, sewer, trash, cable, internet, structure insurance, grounds, security and the recreation area. Fees vary by unit and building, so confirm the exact figure and the reserve funding for the specific unit before you offer.

Does Cove Cay Village II need a milestone inspection?

Florida requires condo buildings three stories or taller to undergo a milestone structural inspection once they reach 30 years of age, then every ten years. Village II is two ten-story buildings described as built in 1973, so it falls within these rules. Confirm the building's milestone-inspection status and any related reserve study or assessment before you offer.

Does Cove Cay have a CDD?

No. As an established condominium community, Cove Cay does not carry a Community Development District assessment. The relevant carrying cost is the monthly condo fee, and golf is a separate cost.

Can I run a short-term rental at Cove Cay Village II?

Cove Cay is an owner-oriented community and the villages carry leasing restrictions, so nightly and weekly rentals are generally not permitted. Confirm the exact leasing rules and any approval process for Village II before you offer.

What amenities does Cove Cay Village II have?

Cove Cay has a guard gate, an 18-hole golf course on Old Tampa Bay and a marina. Village II reports its own recreation facility with a clubhouse, fitness center, sauna, and a heated pool and spa. Golf is a separate pay-to-play cost. Confirm what conveys with the unit.

How is Village II different from Village III?

Village II is a small village of two ten-story buildings described as built in 1973 with a mix of studios through penthouses, while Village III is three seven-story buildings from 1989 and 1990 with two and three-bedroom layouts. Each village runs its own association, fees, age profile and rules, so confirm the specifics for the unit you consider.

Is Cove Cay Village II in a flood zone?

The community sits on Old Tampa Bay, which carries coastal flood considerations, and the buildings are mid-rise and elevated. Confirm the flood zone, the master insurance and any building storm history for the specific unit, and note that flood rules can affect repair limits after damage.

What schools serve Cove Cay?

Cove Cay is in Pinellas County Schools, with Clearwater-area campuses. Assignment is by address and can change, so confirm the current zoning for a specific unit with the district if schools matter to you.

What does a unit at Cove Cay Village II cost?

We do not publish a price figure here. Pricing tracks the floor, the exposure, the view, the building and the condition. See the live listings on this page; we pull exact comps before you offer.

How close is the airport?

Tampa International Airport is roughly a twelve to eighteen minute drive east via the Courtney Campbell Causeway, with the Gulf beaches a longer drive west. Confirm your real drive at your real departure time.

Do I need my own agent to buy at Cove Cay Village II?

Yes. The listing agent works for the seller. Your own agent reads the condo budget, reserves and milestone status, confirms the village rules and the view, pulls true comps, and negotiates for you. Momentum Realty represents you, not the seller.

The Verdict

Should you buy in Cove Cay Village II?

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

You want a gated golf and marina lifestyle at a value priceExcellent fit

You want a low-maintenance, lock-and-leave condo near US-19Excellent fit

You like a small two-building village with a recreation areaExcellent fit

You will confirm the condo budget, milestone status and rulesExcellent fit

You are comfortable with an older mid-rise buildingExcellent fit

You want a brand-new building or luxury-tier finishesProbably not

You want a single-family home or a yardProbably not

You are uncomfortable with milestone-inspection scrutinyProbably not

You want to run nightly or weekly rentalsProbably not

You are uncomfortable with a condo budget and reservesProbably not

Get the inside read on Cove Cay Village II

Whether you are buying a renovation project, comparing the lots and views, weighing the optional club, or selling your Cove Cay Village II 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 Village II 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 II — 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 CayVillage II Homes for Sale in Clearwater, FL

The 60-Second Overview

Who Cove Cay Village II is best for.

Best for

Probably not for

How Cove Cay Village II is performing right now

Cove Cay Village II on the map.

The Club & Membership

How far is everything?

Nearby Communities

Schools

Pinellas County Public Schools (verify by address)

Confirm zoned elementary, middle, and high

Magnet and choice options may apply

Recent Developments in Cove Cay Village II

Small two-building gated village at a value price

Convenient central Pinellas location

Milestone inspections and reserves for older mid-rises

Coastal storm exposure on Old Tampa Bay

Record storm surge hits the Tampa Bay region in 2024

Pinellas County details condo milestone inspection rules

Florida HB 913 updates condo safety and reserve rules

The Cove Cay Village II buying strategy.

The full read, only if you want it.

What your money buys in Cove Cay Village II.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Cove Cay Village II holds value.

5 Mistakes Buyers Make in Cove Cay Village II

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Ignoring the club decision

Skipping the systems check

Momentum Buy Score.

Why our read on Cove Cay Village II is different.

Which Lots & Views Hold Value Best

Cove Cay Village II in 15 seconds.

HOA, CDD & Fees

Tools for a Cove Cay Village II buy.

Price it to your floor, exposure and the building's budget and inspection, not a per-foot average.

In Cove Cay Village II, condition and view decide your number

What is your Cove Cay Village II home worth?

Price History: What Homes Here Have Actually Sold For

Cove Cay Village II Market Scorecard

Frequently Asked Questions

Should you buy in Cove Cay Village II?

Get the inside read on Cove Cay Village II

You are all set.

Need to sell fast in Pinellas County?

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

Cove Cay
Village II Homes for Sale in Clearwater, FL