$222,500
4525 Cove Circle
St Petersburg, FL 33708
Listing updated: June 4, 2026 at 12:08 PM ET
Listing courtesy of Re/Max Action First Of Florida · Spyro Lefkimiotis · MLS #TB8444078 · Active · 727-531-2006Property type
Year built
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Recent price improvement — seller ready to review offers! This wonderful waterfront condo is a few mere steps to Boca Ciega Bay and offers magnificent water views and majestic sunsets. It features 2 bedrooms, 2 baths plus a bright and airy Florida room. The kitchen has quartz countertops, glass tile backsplash and lots of cabinets. All new LVP flooring throughout and fresh interior paint. New stainless appliances (except microwave) and water heater in 2025, new AC condenser in October 2024, totally replumbed in 2015, impact windows along the waterside and hurricane shutters on all windows and on the Florida room door. Another nice touch is motorized blinds on the west windows plus custom closet shelving in both closets. Your assigned covered parking space is just steps from your front door and is deeded to the unit. Sea Towers has amenities galore, including 2 heated pools, a clubhouse, tennis courts, shuffleboard courts, fishing dock, putt-putt golf, pickleball & 24 hours security guard, You're just away from some of the best beaches in the world, shopping & restaurants. New lower HOA fee for 2026, down to $871 from $991 in 2025!
Local Insight
At $214/sqft in a 1972 condo, you're paying a reasonable price per square foot, but the real cost factor here is that $871 monthly HOA fee—that's substantial and worth verifying covers all major reserves, especially given the building's age and the VE flood zone designation, which typically means higher insurance costs. The 55+ restriction limits your buyer pool if you ever need to sell, and being in an AE/VE flood zone means this property will likely require flood insurance regardless of your lender's requirements, so run those actual quotes before committing. The location in St. Petersburg and the 360° tour access are helpful, but focus your due diligence on the condo's recent reserve study, flood history for this specific address, and whether that HOA covers flood insurance already.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history204 days on market
- Status: ActiveNov 12, 2025
- Listed$260,000Nov 12, 2025
- Price reduced$222,500
Facts & features
- Property type
- Residential
- Sub type
- Condominium
- Status
- Active
- Days on market
- 204
- Subdivision
- Concord Towers Condo
- County
- Pinellas
- Year built
- 1972
- Living area
- 1,040 sq ft
- Price/sq ft
- $214
- Lot size
- 0 sq ft
- Lot category
- Non-Applicable
- Flood zone
- AE,VE
- Annual taxes
- $1,468 (2025)
- Parcel #
- 03-31-15-17750-000-0102
- MLS #
- TB8444078
Ask about this home
Have a question? Ask the broker directly.
Ryan Solberg answers personally — no call center, no spam. Your question goes straight to him.
Interior Details
- Bedrooms
- 2
- Full bathrooms
- 2
- Flooring
- Ceramic Tile, Luxury Vinyl
- Appliances
- Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Elevator, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Walk-In Closet(s), Window Treatments
- Laundry
- Corridor Access, Washer Hookup
- Stories / Levels
- Multi/Split
- Direction faces
- East
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air
Parking
- Parking features
- Covered
- Carport
- Yes
HOA & Financial
- HOA fee
- $871 / Monthly
- Monthly HOA
- $871/mo
- Total monthly fees
- $871/mo
- Total annual fees
- $10,457
- HOA name
- Federation of Sea Towers/Laurie Lorenz
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 3 Months
- Listing terms
- Cash, Conventional
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer/Buyer's agent to verify with the management company
- Approval process
- Buyer/Buyer's agent to verify with the management company
Exterior & Construction
- Exterior features
- Lighting, Outdoor Grill, Sidewalk, Storage, Tennis Court(s)
- Construction materials
- Block
- Roof
- Built-Up
- Foundation
- Slab
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Community
- Pets allowed
- No
- Senior community
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 10x13 |
| Living Room | First | 13x24 |
| Primary Bedroom | First | 12x17 |
| Bedroom 2 | First | 11x12 |
| Florida Room | First | 7x15 |
Listing Details
- Listing date
- 2025-11-12
- On market date
- 2025-11-12
- Original list price
- $260,000
- Occupant type
- Owner
- MLS area
- 33708 - St Pete/Madeira Bch/N Redington Bch/Shores
- Listing AOR
- Suncoast Tampa
- Status changed
- 2025-11-12
- Tax legal description
- CONCORD TOWERS CONDO UNIT 102
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Duhme Rd left into Sea Towers guard gate. Once through the gate, make your immediate left and then next right, follow it to the end and look for guest parking
More homes like this
$179,900
4525 Cove Cir #604
St Petersburg, FL 33708
1 bd · 2 ba · 815 sqft
Concord Towers Condo
MLS ID #TB8471873, PREMIER SOTHEBY'S INTL REALTY.
Listing provided by Stellar MLS
$220,000
4525 Cove Cir #1207
St Petersburg, FL 33708
1 bd · 1 ba · 815 sqft
Concord Towers Condo
MLS ID #TB8506679, FUTURE HOME REALTY INC.
Listing provided by Stellar MLS
$274,900
4525 Cove Cir #1002
St Petersburg, FL 33708
2 bd · 2 ba · 1,040 sqft
Concord Towers Condo
MLS ID #TB8458441, KELLER WILLIAMS REALTY PORTFOLIO COLLECTION.
Listing provided by Stellar MLS
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.
Based on information submitted to the MLS GRID as of June 4, 2026 at 12:08 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA