Cove Cay
Village IV Homes for Sale in Clearwater, FL

Gated golf condominium · Clearwater · ZIP 33760

A gated, guard-gated golf condominium village in Clearwater on Old Tampa Bay near US-19, with golf, a marina and a village pool. The read is the unit, the condo budget, and the rules, confirmed before you offer.

Guard-gatedGolf and marinaThree-month minimum lease

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 IV has a no-pets policy and a three-month minimum lease, so confirm the rules and budget before you anchor on a price.

Free · No obligation

Unlock Off-Market Cove Cay Village IV

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

n/a

Median Price

0mo

Supply

n/a

Avg DOM

Soft

Seller Leverage

n/a

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"Cove Cay Village IV is one of the gated condominium villages inside the guard-gated Cove Cay community in Clearwater, mid-rise buildings on Old Tampa Bay near US-19, wrapped around an 18-hole golf course with a marina. 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 village pool, insurance and reserves. A three-month minimum lease keeps it owner-oriented, and Village IV has a no-pets policy, so confirm the rules fit. Read the fee, the reserves and any assessment, then comp by building and view rather than a community average."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Cove Cay Village IV 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 and Gulf-to-Bay Boulevard. The community is built around an 18-hole golf course and a marina.

Village IV is a set of mid-rise buildings with one-, two- and three-bedroom floor plans, its own clubhouse and heated pool, and covered parking. The community has a staffed guard gate, and the setting is quiet, established and convenient to US-19 and the airport.

Because this is a condominium, the carrying cost is a monthly fee rather than a community HOA plus CDD. The fee covers building operations, the village pool, the master insurance and reserves; there is no CDD. Confirm the fee, the reserve study, and any special assessment for the specific unit.

Confirm the rules that distinguish Village IV, including its no-pets policy and the three-month minimum lease with association approval, and the floor, view and condition of the specific unit before you offer.

Quick Match

Who Cove Cay Village IV 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
Golfers who want a course and bay setting at their doorstep
Buyers who will confirm the condo budget, fees and rules

Probably not for

Buyers who need to bring a pet to Village IV
Buyers who want a single-family home or a yard
Buyers who want luxury-tier finishes and amenities
Buyers who want to run nightly or weekly rentals

Market Pulse

How Cove Cay Village IV 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 IV 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 Island Estates 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 IV buys, holds, and resells. See the five factors.

Interactive Map

Cove Cay Village IV 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 IV clubhouse and heated pool
Condo fee covers insurance and reserves
No-pets policy and three-month minimum lease
Floor and view drive resale

Cove Cay Village IV 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. The community is built around an 18-hole golf course and a marina, and Village IV is a set of mid-rise buildings with one-, two- and three-bedroom floor plans, its own clubhouse and heated pool, and covered parking. The carry is a monthly condo fee that covers building operations, the pool, the master insurance and reserves, with no CDD; golf is a separate pay-to-play cost. Village IV has a no-pets policy and a three-month minimum lease with association approval. Confirm the fee, reserves and any assessment, the rules, the flood and insurance picture, and the floor, 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 IV Homes for Sale in Clearwater, FL with Momentum Realty’s local guides.

BIBay Isle Landings Homes for Sale in Clearwater, FLClearwater, FL · 0.2 mi HHHighpointEstates Homes for Sale in Clearwater, FLClearwater, FL · 0.6 mi

High PointPinellas Homes for Sale in Clearwater, FLClearwater, FL · 1.0 mi WLWhitney Lakes Homes for Sale in Clearwater, FLClearwater, FL · 1.0 mi FPFour Pines Homes for Sale in Clearwater, FLClearwater, FL · 1.0 mi FCFeather Cove Homes for Sale in Clearwater, FLClearwater, FL · 1.1 mi CTClearbrooke Townhomes in Clearwater, FLClearwater, FL · 1.2 mi SHSeabrooke Homes for Sale in Clearwater, FLClearwater, FL · 1.2 mi BABay AristocratVillage Homes for Sale in Clearwater, FLClearwater, FL · 1.4 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 IV (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 IV 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 IV 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 IV

Development Intelligence

Our read on what is being built around Cove Cay Village IV, 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 and insurance scrutiny statewide and coastal storm exposure on the bay. Watch the village budgets and insurance against demand for affordable gated living, and confirm the carry per unit.

Gated golf and marina lifestyle at a value price

Ongoing

BullishNotable impact

SignificanceRadius: Community

A guard gate, golf and a marina on the bay at a value price support demand from retirees, snowbirds and golfers.

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.

Condo budgets and reserves under scrutiny

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Florida condo reserve and insurance requirements have raised fees across older buildings; confirm the village budget and any assessment per unit.

Coastal storm exposure on Old Tampa Bay

2024

BearishNotable impact

SignificanceRadius: Area

The 2024 storms brought record surge to 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 IV, 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 surge hits Old Tampa Bay shorelines in 2024
The Tampa Bay Times reported in October 2024 that Hurricane Helene drove record storm surge across Clearwater and the Old Tampa Bay shoreline, prompting widespread waterfront cleanup and rebuilding in the area. 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
October 2024
Golf
Tampa Bay golf courses assess storm impacts
GolfPass reported in October 2024 that numerous Florida golf courses, including Tampa Bay-area coastal courses, assessed damage and recovery after the 2024 hurricanes. Why it matters: Course condition affects the amenity at a golf community. Confirm the current status of the Cove Cay course and any impact on the village. 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 IV buying strategy.

If we were buying in Cove Cay Village IV, 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 Village IV rules, including the no-pets policy and the three-month minimum lease with association approval.

Compare floor and view, since the bay or golf view and the floor drive value in a mid-rise.

Confirm parking and storage for the specific unit.

Weigh a nearby alternative, Island Estates, on amenities, fees and waterfront.

The Quick Decision

Best Buy

A higher-floor unit with a strong bay or golf view in a building with sound reserves, with the fee and any assessment confirmed.

Biggest Risk

Anchoring on the price without confirming the condo budget, the reserves, or whether the no-pets and lease rules fit your plans.

Best Lot

Floor and view are the homesite here; higher floors and bay or golf views defend value best.

Smart Timing

Established condo inventory turns steadily; the right unit in a well-funded building 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 IV Homes For Sale

What your money buys in Cove Cay Village IV.

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

Entry: lower-floor one-bedroom units

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

Lowest entry

Core: two- and three-bedroom units

The two- and three-bedroom units with stronger views, the core of the Village IV market. Confirm current pricing on the live listings below.

Most inventory

High: higher-floor bay or golf-view units

The higher-floor units with the best bay or golf 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: lower-floor one-bedroom units

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

Core: two- and three-bedroom units

The two- and three-bedroom units with stronger views, the core of the Village IV market. Confirm current pricing on the live listings below.

High: higher-floor bay or golf-view units

The higher-floor units with the best bay or golf 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 IV, 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 IV 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 IV holds value.

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

Gated golf and marina at a value priceStrong

Convenient central Pinellas locationStrong

Village pool and clubhouseSolid

Confirm condo budget and reservesWatch it

Confirm the no-pets and lease 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 IV

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 IV is a gated golf condo, value over luxury. The deal turns on the unit, the condo budget, 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.

7.4B · Buy Score

Resale Strength7.4/10

Renovation Risk7.2/10

Location Efficiency8.2/10

Long-Term Defensibility7.4/10

Carrying Cost Advantage6.0/10

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 IV 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 and view are the homesite in a mid-rise
Higher floors and bay or golf views defend best
Confirm the building's budget and reserves
Confirm the rules fit, pets and leasing
Comp by building and view, not an average

In a mid-rise condo the floor and the view are the homesite, and they set resale value alongside the building's budget. Higher floors with bay or golf views defend price best, while lower or obstructed exposures lag. Read the floor and the view first, confirm the condo fee, reserves and the Village IV 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 IV in 15 seconds.

Best forBuyers who want a gated golf and marina lifestyle at a value price in Clearwater.

Strong onA guard gate, an 18-hole golf course and marina on Old Tampa Bay, a village pool, and a convenient US-19 location.

WatchThe condo budget and the rules. Confirm the fee, reserves and any assessment, and that the no-pets and lease rules fit.

Sweet spotA higher-floor unit with a strong bay or golf view in a well-funded building, with the fee confirmed.

Not forBuyers who need a pet in Village IV, want a yard, or want luxury finishes.

HOA, CDD & Fees

15-Second Take

For-sale condominium, monthly fee applies
No CDD, guard-gated community
Fee covers the pool, insurance and reserves
Village IV has a no-pets policy
Three-month minimum lease, owner-oriented

Cove Cay Village IV is a condominium, so the carry is a monthly condo fee rather than a community HOA plus CDD. Reported figures vary widely by unit and building. There is no CDD. Confirm the exact monthly fee, the reserve study, and any special assessment for the specific unit before you offer; we pull the documents.

The condo fee covers building operations, the village clubhouse and heated pool, the master insurance, water and other services, the guard gate, and reserves. Golf is a separate pay-to-play cost at the Cove Cay Golf Club. Budget the fee plus your interior maintenance.

Run Your Numbers

Tools for a Cove Cay Village IV 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 IV.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 IV

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

If you are selling in Cove Cay Village IV, the right list price comes from recent sales matched to your floor, view, building and condition, where the budget and reserves matter to buyers. Clear fee and reserve 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 IV, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Island Estates, 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 IV home worth?

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

Real comps, not a Zestimate.

Cove Cay Village IV Market Scorecard

Strong seller's market

Cove Cay Village IV 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 IV located?

Cove Cay Village IV 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 and Gulf-to-Bay Boulevard.

Is Cove Cay Village IV age-restricted?

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

Does Cove Cay Village IV allow pets?

Village IV has a no-pets policy, which differs from some other Cove Cay villages. If you have a pet, confirm the current rule and consider a different village, since this is a decisive rule for many buyers.

What are the condo fees at Cove Cay Village IV?

Village IV charges a monthly condo fee that covers building operations, the village pool, the master insurance and reserves. 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 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 IV?

No. Village IV carries a three-month minimum lease with association approval, so nightly and weekly rentals are not permitted. Confirm the exact leasing rules and any approval process before you offer.

What amenities does Cove Cay have?

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

Is Cove Cay Village IV in a flood zone?

The community sits on Old Tampa Bay, which carries coastal flood considerations, and the mid-rise buildings are elevated. Confirm the flood zone, the master insurance and any building storm history for the specific unit.

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 IV cost?

We do not publish a price figure here. Pricing tracks the floor, 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 fifteen 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 IV?

Yes. The listing agent works for the seller. Your own agent reads the condo budget and reserves, 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 IV?

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 want a course and bay setting at your doorstepExcellent fit

You will confirm the condo budget, fees and rulesExcellent fit

You are comfortable with the no-pets and lease rulesExcellent fit

You need to bring a pet to Village IVProbably not

You want a single-family home or a yardProbably not

You want luxury-tier finishes and amenitiesProbably 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 IV

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

The 60-Second Overview

Who Cove Cay Village IV is best for.

Best for

Probably not for

How Cove Cay Village IV is performing right now

Cove Cay Village IV 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 IV

Gated golf and marina lifestyle at a value price

Convenient central Pinellas location

Condo budgets and reserves under scrutiny

Coastal storm exposure on Old Tampa Bay

Record surge hits Old Tampa Bay shorelines in 2024

Tampa Bay golf courses assess storm impacts

The Cove Cay Village IV buying strategy.

The full read, only if you want it.

What your money buys in Cove Cay Village IV.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Cove Cay Village IV holds value.

5 Mistakes Buyers Make in Cove Cay Village IV

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 IV is different.

Which Lots & Views Hold Value Best

Cove Cay Village IV in 15 seconds.

HOA, CDD & Fees

Tools for a Cove Cay Village IV buy.

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

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

What is your Cove Cay Village IV home worth?

Price History: What Homes Here Have Actually Sold For

Cove Cay Village IV Market Scorecard

Frequently Asked Questions

Should you buy in Cove Cay Village IV?

Get the inside read on Cove Cay Village IV

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Need to sell fast in Pinellas County?

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Cove Cay
Village IV Homes for Sale in Clearwater, FL