4550 Cove Circle, FL
Stellar MLS
1 / 1

$227,999

4550 Cove CircleSt Petersburg, FL 33708

Listing updated: September 29, 2026 at 4:09 PM ET

Active
Stellar MLSListing courtesy of Future Home Realty Inc · Denise Wilkinson · MLS #TB8551640 · Active · 813-855-4982
2
Beds
2
Baths
1,100
Sq Ft
1973
Built
◆Waterfront◆Water access◆55+ community◆$207/sqft◆360° tour
Condominium

Property type

1973

Year built

$207

Price / sq ft

No HOA

HOA dues

4

Days on market

AE

Flood zone

About this home

LIVE THE WATERFRONT FLORIDA LIFESTYLE AT SEA TOWERS! This beautifully updated 2-bedroom, 2-bath residence in Washington Tower offers an exceptional opportunity to enjoy spectacular Intracoastal Waterway views and the relaxed, amenity-rich lifestyle of Sea Towers. Positioned on the fifth floor, this 1,100-square-foot condo provides a wonderful combination of comfort, convenience, and expansive water views, with the scenery serving as a beautiful backdrop throughout much of the home. Step inside and immediately appreciate the light, bright atmosphere and inviting open layout. The spacious living and dining areas provide an easy flow for everyday living and entertaining, while the versatile Florida room offers an additional space to relax, enjoy your morning coffee, read, or simply sit back and enjoy the Florida lifestyle. The ever-changing waterfront views create a sense of tranquility that is difficult to duplicate at this price point. From passing boats to playful dolphins and spectacular Florida sunsets, there is always something to see. The updated kitchen combines style and functionality with plenty of warm wood cabinetry, granite countertops, custom tile backsplash, and crisp white appliances. Opening naturally to the main living areas, making it easy to stay connected with family and guests while preparing meals or entertaining. The primary suite is a comfortable retreat featuring an en-suite bath, walk-in closet, and direct access to the Florida room. The second bedroom and additional full bath provide privacy and flexibility for guests, a home office, or hobbies. Tastefully selected furnishings are included, allowing the next owner to move in and immediately begin enjoying the Florida lifestyle. Updated hurricane-impact windows provide added peace of mind while also allowing the natural light and beautiful waterfront scenery to take center stage. But the appeal doesn't end at your front door. Sea Towers is a gated 55+ waterfront community designed for an active and social lifestyle. Residents enjoy an impressive collection of amenities, including two waterfront swimming pools, tennis courts, shuffleboard, a putting green, billiards room, indoor pickleball, clubhouse and social activities. Outdoors, you can stroll the walking path around the lagoon, gather with friends at the barbecue areas, relax at the waterfront pavilion, or simply enjoy the beautifully maintained grounds and surrounding water. The condo fee includes water, sewer, trash, and cable, adding everyday convenience and value. The community's active social calendar offers plenty of opportunities to meet neighbors and enjoy everything from recreation to gatherings and clubs, making it easy to be as active - or as relaxed - as you want to be. And the location is hard to beat. Situated near the beautiful Gulf beaches, you'll also be close to restaurants, shopping, entertainment, and the many attractions of the St. Petersburg/Madeira Beach area. Whether you're searching for a full-time residence, a Florida getaway, or a comfortable place to enjoy retirement, this residence offers an affordable opportunity to own a piece of the waterfront lifestyle. Schedule your private showing today!

Estimated monthly payment

Principal & interest$1,153
Property taxes$294
Home insurance (est.)$104

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 history4 days on market

  1. Status: Active
    Sep 25, 2026
  2. Listed$227,999
    Sep 25, 2026
  3. Price increased$227,999

Facts & features

Property type
Residential
Sub type
Condominium
Status
Active
Days on market
4
Subdivision
Washington Towers The Condo
County
Pinellas
Year built
1973
Living area
1,100 sq ft
Price/sq ft
$207
Lot category
Non-Applicable
Flood zone
AE (12103C0191H)
Annual taxes
$3,526 (2025)
Parcel #
03-31-15-95077-000-0502
MLS #
TB8551640

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Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Carpet, Laminate, Tile
Appliances
Dishwasher, Electric Water Heater, Microwave, Range
Interior features
Ceiling Fans(s), Living Room/Dining Room Combo, Stone Counters, Walk-In Closet(s)
Laundry
Common Area
Stories / Levels
One
Direction faces
East

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Parking features
Assigned, Guest

HOA & Financial

Total monthly fees
$815/mo
Total annual fees
$9,780
HOA name
Federation 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
See HOA docs for specifics
Approval process
application, fee, background check and interview

Exterior & Construction

Exterior features
Outdoor Grill, Sidewalk, Storage, Tennis Court(s)
Construction materials
Concrete
Roof
Built-Up
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Connected, Electricity Connected, Sprinkler Meter, Sprinkler Recycled, Water Connected

Community

Pets allowed
No
Senior community
Yes

Room Details

RoomLevelDimensions
Primary BedroomFirst17x12
Bedroom 2First11x11
Living RoomFirst17x13
Dining RoomFirst13x7
KitchenFirst10x10
Florida RoomFirst

Listing Details

Listing date
2026-09-25
On market date
2026-09-25
Original list price
$227,999
Occupant type
Vacant
MLS area
33708 - St Pete/Madeira Bch/N Redington Bch/Shores
Listing AOR
Suncoast Tampa
Status changed
2026-09-25
Tax legal description
WASHINGTON TOWERS, THE CONDO UNIT 502

Flood risk

High riskFEMA Zone AEPanel 12103C0191H

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. Washington Building fifth floor unit. Guest parking in front of the building on the paved parking just past the middle entrance to the building.

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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 September 29, 2026 at 4:09 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.

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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