3400 Cove Cay Drive, FL3400 Cove Cay Drive, FL3400 Cove Cay Drive, FL
Stellar MLS
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$275,000

3400 Cove Cay Drive

Clearwater, FL 33760

Listing updated: June 26, 2026 at 9:11 AM ET

Active
Stellar MLSListing courtesy of Keller Williams Realty- Palm H · Don Moore · MLS #TB8518074 · Active · 727-772-0772
2
Beds
2
Baths
1,070
Sq Ft
1986
Built
WaterfrontWater access$257/sqft360° tour
Condominium

Property type

1986

Year built

$257

Price / sq ft

No HOA

HOA dues

3

Days on market

AE

Flood zone

About this home

Cove Cay is one of the area's original planned resort-style communities, offering an active Florida lifestyle surrounded by golf, waterfront scenery, nature, and an abundance of amenities. From the moment you arrive at the gated entrance and security office, you'll feel as though you've entered your own oasis. Meticulously maintained grounds, mature oak trees, gardens, butterfly habitats, and wildlife create a peaceful park-like setting enjoyed year-round. The community offers a remarkable variety of environments and experiences. Enjoy sweeping views of Tampa Bay and the Bayside Bridge, colorful sunrises, ever-changing skies, passing weather patterns, calm waters one day and rolling waves the next, along with boat traffic and water recreation that bring the waterfront to life. Residents enjoy access to a golf course overlooking Tampa Bay, a waterfront restaurant with outdoor patio seating and firepit areas, marina facilities, boat launch access, swimming pool, spa, tiki huts, clubhouse activities, covered parking, convenient elevators, and thoughtfully designed village settings surrounded by beautifully maintained landscaping. Together, these features create an enjoyable lifestyle that allows more time for hobbies, recreation, and socializing with friends and neighbors. Village IV has long been one of the community's most sought-after villages. Available governing documents, reserve information, and inspection reports provide buyers with valuable information when considering ownership. The standout feature of this fourth-floor residence is its exceptional location and view orientation. Positioned at an ideal elevation, the east-facing home captures beautiful sunrise skies, Tampa Bay water views, and multiple greens and tee boxes along the golf course. Many owners appreciate that the fourth floor offers an excellent balance between panoramic views and a comfortable connection to the activity below. The expansive wall-to-wall porch serves as an extension of the living space and creates the perfect setting for morning coffee, entertaining guests, or simply enjoying the scenery. Oversized sliding glass doors bring natural light and views deep into the home, creating a seamless connection between indoor and outdoor living. The living and dining areas flow comfortably from the updated kitchen featuring newer appliances, stainless finishes, and decorative ceiling details. Quality laminate flooring enhances the main living areas, while tile flooring is featured on the porch, in the kitchen, and in the bathrooms. The spacious primary suite offers a walk-in closet, bonus beach closet, updated ensuite bath, and one of the home's most enjoyable features—waking up to water, golf course, and sunrise views right from your bed. Bedroom two offers a large closet and bright window. Additional improvements include a newer air conditioning system and water heater. The kitchen was thoughtfully extended to take advantage of additional window light, and the private laundry room is conveniently located on the porch. Just steps from the front door are two elevators and a nearby trash chute for everyday convenience. If you have not yet experienced the unique lifestyle that Cove Cay offers, and discover one of Clearwater's most distinctive waterfront and golf course communities. Schedule your private tour today and experience the views, amenities, and lifestyle that make this residence such a special place to call home. Furnishings neg, Premium cable, low util.

Estimated monthly payment

Principal & interest$1,391
Property taxes$272
Home insurance (est.)$126

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 history3 days on market

  1. Status: Active
    Jun 23, 2026
  2. Listed$275,000
    Jun 23, 2026
  3. Price increased$275,000

Facts & features

Property type
Residential
Sub type
Condominium
Status
Active
Days on market
3
Subdivision
Cove Cay Village Iv
County
Pinellas
Year built
1986
Living area
1,070 sq ft
Price/sq ft
$257
Flood zone
AE (12103C0136H)
Annual taxes
$3,268 (2025)
Parcel #
29-29-16-18706-008-0045
MLS #
TB8518074

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Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Laminate
Appliances
Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer
Interior features
Ceiling Fans(s), Eat-in Kitchen, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Thermostat, Walk-In Closet(s), Window Treatments
Laundry
Laundry Room
Stories / Levels
One
Direction faces
West

Heating & Cooling

Heating
Electric
Cooling
Central Air

Parking

Carport
Yes

HOA & Financial

Total monthly fees
$731/mo
Total annual fees
$8,772
HOA name
Cove Cay Village IV/Julie Nichols
CDD
No
Min lease term
4 Months
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Condominium
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
See Association Bylaws, Rules and Regs.
Approval process
See application.

Exterior & Construction

Exterior features
Balcony, Fire Pit, Garden, Lighting, Private Entrance, Private Mailbox, Sliding Doors
Construction materials
Block, Stucco
Roof
Membrane
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Connected, Electricity Connected, Fire Hydrant, Sewer Connected, Sprinkler Meter, Underground Utilities, Water Connected

Community

Pets allowed
No

Room Details

RoomLevelDimensions
KitchenFirst17x8
Living RoomFirst24x14
Balcony/Porch/LanaiFirst20x6
Primary BedroomFirst14x13
Bedroom 2First11x11

Listing Details

Listing date
2026-06-11
On market date
2026-06-23
Original list price
$275,000
Occupant type
Vacant
MLS area
33760 - Clearwater
Listing AOR
Suncoast Tampa
Status changed
2026-06-23
Tax legal description
COVE CAY VILLAGE IV CONDO PHASE VIII BLDG 8, UNIT 4-E TOGETHER WITH THE USE OF CARPORT 8-39

Flood risk

High riskFEMA Zone AEPanel 12103C0136H

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

From US Hwy 19 in Largo head North to Clearwater and take the Whitney exit, continue North about a half mile then just past Haines, turn into Cove Cay, thru gate, then second village on the left BUIDLING 3400.

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MLS GRID

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 26, 2026 at 9:11 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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