$145,000
4725 Cove Circle
St Petersburg, FL 33708
Listing updated: June 7, 2026 at 11:30 AM ET
Property type
Year built
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
Resort-Style Waterfront Living! Welcome to the highly sought-after Sea Towers 55+ waterfront community, where Florida living feels like a year-round vacation. This beautifully maintained 1 bedroom, 1 bath condo offers comfortable coastal living just minutes from the Gulf beaches, Madeira Beach, and Johns Pass Village. Step inside to discover a bright and inviting interior featuring an updated kitchen with solid surface counter tops, stainless steel appliances, updated bathroom with new vanity, hi-rise toilet, tile shower with glass sliders, 2020 A/C and HURRICANE Window with transferable WARRANTY, with spacious living area perfect for relaxing or entertaining. Enjoy peaceful mornings and stunning Florida sunsets while overlooking the beautiful waterfront community and tropical landscaping. Sea Towers offers an incredible resort-style lifestyle, including: • 24-hour guard gated security • Two heated pools • Fishing pier & waterfront walking paths • Tennis & pickleball courts • Fitness center & clubhouse • Social events and activities • Boat slips (available for purchase) The monthly HOA went DOWN in 2026 to $704.49 which includes cable, internet, water, sewer, exterior maintenance, insurance, and resort amenities, making ownership simple and worry-free. Located just minutes from: • Madeira Beach & Gulf beaches • John’s Pass Boardwalk restaurants and shopping • Downtown St. Petersburg • Tampa International Airport. Whether you're looking for a winter retreat, full-time residence, or low-maintenance coastal lifestyle, this is your opportunity to enjoy the best of Florida living. Schedule your private showing today and start living the Florida dream!
Local Insight
At $145k in a 55+ community with direct waterfront access, you're getting genuine value, but that AE flood zone means mandatory flood insurance will add real money to your annual costs—factor in at least $1,200-1,800 yearly on top of that $704 HOA. The $178/sqft price is solid for the market, though the 1970 construction means you'll want a thorough inspection on the roof, HVAC, and plumbing systems before committing. If you're serious about waterfront living on a fixed income, this hits the mark, but don't underestimate the flood insurance piece or ask for recent reserve studies on the condo building.
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 history149 days on market
- Status: ActiveJan 9, 2026
- Listed$199,900Jan 9, 2026
- Price reduced$145,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Condominium
- Status
- Active
- Days on market
- 149
- Subdivision
- Columbia Towers Condo
- County
- Pinellas
- Year built
- 1970
- Living area
- 815 sq ft
- Price/sq ft
- $178
- Lot category
- Non-Applicable
- Flood zone
- AE (12103C0183H)
- Annual taxes
- $3,048 (2024)
- Parcel #
- 04-31-15-17703-000-0808
- Zoning
- 0430 CONDO
- MLS #
- TB8462437
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Interior Details
- Bedrooms
- 1
- Full bathrooms
- 1
- Flooring
- Carpet, Tile
- Appliances
- Electric Water Heater, Microwave, Range, Refrigerator
- Interior features
- Ceiling Fans(s), Living Room/Dining Room Combo, Solid Surface Counters, Solid Wood Cabinets, Thermostat, Walk-In Closet(s)
- Laundry
- Common Area, Laundry Room, Same Floor As Condo Unit
- Stories / Levels
- One
- Direction faces
- South
Heating & Cooling
- Heating
- Central, Electric
- Cooling
- Central Air, Humidity Control
Parking
- Parking features
- Guest, Reserved
HOA & Financial
- HOA fee
- $704 / Monthly
- Monthly HOA
- $704/mo
- Total monthly fees
- $704/mo
- Total annual fees
- $8,454
- HOA name
- Fed of Sea Towers / Laurie Lorenz
- CDD
- No
- Min lease term
- 3 Months
- Listing terms
- Cash, Conventional
- Ownership
- Condominium
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- 55+, Face-to-Face interview, contact Sea Towers for details
- Approval process
- 55+, Face-to-Face interview, contact Sea Towers for details
Exterior & Construction
- Exterior features
- Rain Gutters, Sidewalk, Sprinkler Metered, Storage, Tennis Court(s)
- Construction materials
- Block, Stucco
- Roof
- Built-Up, Membrane
- Foundation
- Slab
- Waterfront
- Yes
- Water access
- Yes
- Water view
- Yes
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Sprinkler Well, Water Connected
Community
- Pets allowed
- No
- Senior community
- Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 9.92x9.58 |
| Dining Room | First | 13.58x9.08 |
| Living Room | First | 13.58x14.67 |
| Primary Bedroom | First | 10.58x21.92 |
| Bathroom 1 | First | 10.58x6.08 |
| Florida Room | First | 10.58x6.83 |
Listing Details
- Listing date
- 2026-01-09
- On market date
- 2026-01-09
- Original list price
- $199,900
- Occupant type
- Vacant
- MLS area
- 33708 - St Pete/Madeira Bch/N Redington Bch/Shores
- Listing AOR
- Suncoast Tampa
- Status changed
- 2026-01-09
- Tax legal description
- COLUMBIA TOWERS CONDO UNIT 808
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 Road (113th Street) to Sea Towers guard gate, give business card to guard. Follow signs to Columbia Building and guest parking is in front of the lagoon.
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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 7, 2026 at 11:30 AM 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.
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