$329,000

2620 Cove Cay Dr Unit 107 Clearwater, FL 33760

Whitney Lakes Neighborhood

Estimated payment $2,851/month

2 Beds
2 Baths
1,050 Sq Ft
$313 Price per Sq Ft

Highlights

  • 100 Feet of Bay Harbor Waterfront
  • Boat Ramp
  • Heated In Ground Pool
  • On Golf Course
  • Fitness Center
  • Home fronts a pond

About This Home

Welcome to one of Cove Cay’s coveted seven condos with an oversized outdoor deck—set above a tranquil pond on the 15th hole—where bay breezes and ever-changing views of water, wildlife, sunrises, and golfers become your daily backdrop. The 16' x 13' deck (208 sq. ft.) was rebuilt in 2025 with composite Trex for beauty, durability, and years of low-maintenance living. Wide PGT impact sliders open to a screened porch that flows out to the deck—hello, indoor-outdoor entertaining. Inside, the open kitchen is light and bright, featuring a double PGT impact window, white soft-close cabinetry, exquisite light granite with neutral veining that doubles as an expansive serving/snack bar, a ceiling detail with crown moulding and integrated lighting, stainless appliances, a deep stainless undermount sink with a sleek black gooseneck faucet, decorative backsplash, and a dedicated coffee bar. Pergo DuraCraft waterproof luxury vinyl plank runs throughout for cool comfort, easy care, and long-term durability. Fresh, airy wall colors elevate the spacious living/dining area, which includes an attractive built-in and the perfect wall for a large TV. The serene primary suite enjoys PGT windows framing the pond and golf course. Its en-suite bath offers a large vanity, distinctive lighting, updated tile shower and flooring, and a custom walk-in closet. The second bedroom flexes beautifully as a den, office, or guest room, and the refreshed hall bath is another win. Practical perks abound: a 2023 Trane A/C, a newer water heater, hurricane windows throughout and your own private laundry room just steps from the front door with full-size washer/dryer, storage cabinet, and high shelving. This corner residence adds privacy and sits just moments from the Village 2 pool and recreation area—as well as your carport. Lush landscaping, shimmering water and fairway vistas, 24/7 security, and well-kept amenities make this the paradise known as Cove Cay.

Listing Agent

Kathleen McDowell P.A.

FUTURE HOME REALTY INC Brokerage Phone: 813-855-4982 License #364769 Listed on: 10/15/2025

FUTURE HOME REALTY INC

Property Details

Home Type

  • Condominium

Est. Annual Taxes

  • $2,597

Year Built

  • Built in 1974

Lot Details

  • Home fronts a pond
  • 100 Feet of Bay Harbor Waterfront
  • On Golf Course
  • Unincorporated Location
  • West Facing Home
  • Mature Landscaping

HOA Fees

  • $891 Monthly HOA Fees

Property Views

  • Full Bay or Harbor
  • Pond
  • Golf Course

Home Design

  • Contemporary Architecture
  • Traditional Architecture
  • Entry on the 1st floor
  • Slab Foundation
  • Built-Up Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 1,050 Sq Ft Home
  • Built-In Features
  • Shelving
  • Ceiling Fan
  • Blinds
  • Drapes & Rods
  • Sliding Doors
  • Combination Dining and Living Room

Kitchen

  • Range with Range Hood
  • Microwave
  • Dishwasher
  • Stone Countertops
  • Disposal

Flooring

  • Concrete
  • Ceramic Tile
  • Luxury Vinyl Tile

Bedrooms and Bathrooms

  • 2 Bedrooms
  • En-Suite Bathroom
  • Walk-In Closet
  • 2 Full Bathrooms
  • Bathtub with Shower
  • Shower Only

Laundry

  • Laundry Room
  • Dryer
  • Washer

Parking

  • 1 Carport Space
  • Guest Parking

Pool

  • Heated In Ground Pool
  • Heated Spa
  • In Ground Spa
  • Gunite Pool

Outdoor Features

  • Access to Bay or Harbor
  • Property is near a marina
  • Boat Ramp
  • Deck
  • Covered Patio or Porch
  • Exterior Lighting

Location

  • Flood Zone Lot
  • Flood Insurance May Be Required

Utilities

  • Central Heating and Cooling System
  • Electric Water Heater
  • Cable TV Available

Listing and Financial Details

  • Tax Lot 0107
  • Assessor Parcel Number 29-29-16-18714-000-0107

Community Details

Overview

  • Optional Additional Fees
  • Association fees include 24-Hour Guard, cable TV, common area taxes, pool, insurance, internet, maintenance structure, ground maintenance, management, security, sewer, trash, water
  • Lori Pollock/Folio Association Management Association, Phone Number (727) 530-0588
  • Cove Cay Community Association, Phone Number (813) 884-7755
  • Cove Cay 26 20 Village II Subdivision
  • On-Site Maintenance
  • Association Owns Recreation Facilities
  • The community has rules related to building or community restrictions, vehicle restrictions
  • 10-Story Property

Amenities

  • Restaurant
  • Sauna
  • Clubhouse
  • Elevator

Recreation

  • Golf Course Community
  • Recreation Facilities
  • Shuffleboard Court
  • Fitness Center
  • Community Pool

Pet Policy

  • 2 Pets Allowed
  • Dogs and Cats Allowed
  • Small pets allowed

Security

  • Security Guard
  • Card or Code Access

Property Details

Home Type

Condominium

Est. Annual Taxes

$2,597

Year Built

Built in 1974

Lot Details

0

HOA Fees

$891 per month

Listing Details

  • HOA Fee Includes: Guard - 24 Hour, Cable TV, Common Area Taxes, Pool, Insurance, Internet, Maintenance Structure, Maintenance Grounds, Management, Security, Sewer, Trash, Water
  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Condominium
  • Architectural Style: Contemporary, Traditional
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 1050
  • New Construction: No
  • Year Built: 1974
  • Building Area Total: 1050
  • Status: Active
  • Ownership: Condominium
  • Entry Level: 1
  • Escrow City: Clearwater
  • Escrow State: FL
  • Escrow Street Name: US 19 N
  • Floor Number: 1
  • Minimum Lease: 3 Months
  • Number Of Pets: 2
  • RATIO Current Price By Calculate: 313.33
  • Total Acreage: Non-Applicable
  • Water Access YN: 1
  • Condo Fees Term: Monthly
  • Property Description: Corner Unit,End Unit,Mid Rise
  • Amenities Additional Fees: Golf and Dining at the Cove Cay Golf Club and Bayview Grille and all boating/water related activities at Cove Cay Marina NOT included in association fees. Available for various memberships and pay as you use plans.
  • MFR_InLawSuiteYN: 0
  • MFR_CommunityAssociationWaterFeatures: Bay/Harbor Front
  • Attribution Contact: 813-855-4982
  • Tax Year: 2024
  • Special Features: None

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Ceramic Tile, Concrete, Luxury Vinyl
  • Full Bathrooms: 2
  • Interior Amenities: Built-in Features, Ceiling Fans(s), Living Room/Dining Room Combo, Stone Counters, Walk-In Closet(s), Window Treatments
  • Appliances Included: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 2
  • Levels: One
  • Spa Features: Heated, In Ground
  • Spa Yn: Yes
  • Stories: 10
  • Window Features: Blinds, Drapes
  • Living Area Meters: 97.55

Exterior Features

  • Direction Faces: West
  • Pool Features: Gunite, Heated, In Ground
  • Exterior Features: Lighting, Sliding Doors
  • Roof: Built-Up
  • Pool Private: No
  • View: Golf Course, Water
  • Water Body Name: TAMPA BAY
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Deck, Rear Porch
  • Road Surface Type: Asphalt
  • Water Access: Bay/Harbor
  • Water Extras: Boat Ramp - Private
  • Water View: Bay/Harbor - Partial,Pond
  • Water View YN: 1
  • Waterfront Feet Total: 100
  • Flood Zone Panel: 12103C0137H
  • Additional Water Information: Important Note: Water access and water extras are only available through the privately-owned Cove Cay Marina for separate fees. These are NOT included in the condo fee or as part of ownership. See www.CoveCayMarina.com for info.
  • Water Frontage Feet Bay Harbor: 100

Garage/Parking

  • Carport Spaces: 1
  • Carport Y N: Yes
  • Garage Yn: No
  • Parking Features: Guest

Utilities

  • Utilities: Cable Connected, Electricity Connected, Sewer Connected, Water Connected
  • Cooling: Central Air
  • Heating: Central, Electric
  • Laundry Features: Laundry Room, Other
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Association Recreation - Owned, Buyer Approval Required, Gated Community - Guard, Golf, Restaurant, Special Community Restrictions
  • Association Amenities: Cable TV, Clubhouse, Elevator(s), Fitness Center, Lobby Key Required, Maintenance, Optional Additional Fees, Pool, Recreation Facilities, Sauna, Security, Shuffleboard Court, Vehicle Restrictions
  • Association Name: Lori Pollock/Folio Association Management
  • Phone: 727-530-0588
  • Association: Yes
  • Senior Community: No
  • Association: Cove Cay Community Association
  • Association Phone #2: 813-884-7755
  • Association 2 YN: 1
  • Association Approval Required YN: 1
  • Pet Restrictions: One dog or 2 cats or 1 of each, but no more than 2 pets. IMPORTANT: a maximum number of dogs is allowed in the village. Buyer w/ a dog contact assoc. for availability. Service/therapy animals appropriately documented permitted w/ application process.
  • Association Fee Requirement: None
  • Condo Fees: 891
  • Condo Land Included YN: 1
  • Association Email: lpollock@folioam.com
  • Monthly Condo Fee Amount: 891
  • Pet Size: Small (16-35 Lbs.)

Fee Information

  • Total Annual Fees: 10692.00
  • Total Monthly Fees: 891.00

Lot Info

  • Parcel Number: 29-29-16-18714-000-0107
  • Additional Parcels: No
  • Lot Features: Flood Insurance Required, FloodZone, In County, Near Marina, On Golf Course, Paved, Private, Unincorporated
  • Property Attached Yn: No
  • Flood Zone Code: AE

Rental Info

  • Pets Allowed: Cats OK, Dogs OK
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: There is a maximum number of units that can be rented at any given time. Buyer to contact association for specific rules and if there is availability for property to be rented.

Tax Info

  • Tax Annual Amount: 2596.67
  • Tax Block: 000
  • Tax Book Number: 17-76
  • Tax Lot: 0107

Multi Family

  • Waterfront Features: Bay/Harbor, Pond
  • Approval Process: application, fee, background check, orientation.

Map

Range of Values:

Collateral Analytics

Collateral Analytics Collateral Analytics AVMs (Automated Valuation Model) employ a number of statistical approaches combined with neighborhood-specific comparable selection guarantees the most up-to-date and precise valuations.

Not Available

Collateral Analytics does not have data for the current month. Please view the chart for historical values.

ICE

ICE Mortgage Technology ICE Mortgage Technology’s AVM (Automated Valuation Model) is a state-of-the-art online residential property valuation tool that provides a quick and accurate estimate of the value of almost any home in the U.S.

Not Available

ICE Mortgage Technology does not have data for the current month. Please view the chart for historical values.

First American

First American First American Data & Analytics’ next-generation AVM combines unrivaled data assets with a blended ensemble of valuation models to produce highly accurate, reliable valuations you can trust.

Not Available

First American does not have data for the current month. Please view the chart for historical values.

Quantarium

Quantarium Quantarium’s valuation service, repeatedly proven the industry’s most accurate and comprehensive, is supercharged with a self-learning and auto-tuning AI engine that continually becomes smarter and more accurate as it processes daily inputs from the industry’s leading RE data lake.

Not Available

Quantarium does not have data for the current month. Please view the chart for historical values.

Average Value
Not Available
List Price
Sold Price
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $3,594 $183,778 -- --
2023 $3,594 $235,839 $0 $235,839
2022 $1,698 $131,222 $0 $0
2021 $1,724 $127,400 $0 $0
2020 $1,712 $125,641 $0 $0
2019 $1,672 $122,816 $0 $0
2018 $1,166 $97,030 $0 $0
2017 $1,146 $95,034 $0 $0
2016 $1,277 $100,304 $0 $0
2015 $766 $75,151 $0 $0
2014 $762 $74,555 $0 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
10/15/2025 10/15/25 For Sale $329,000 -3.2% $313 / Sq Ft
09/11/2023 09/11/23 Sold $340,000 -9.3% $324 / Sq Ft View Prior Sale
08/01/2023 08/01/23 Pending -- -- --
07/20/2023 07/20/23 For Sale $374,900 +127.2% $357 / Sq Ft
03/13/2018 03/13/18 Sold $165,000 -2.9% $157 / Sq Ft View Prior Sale
01/28/2018 01/28/18 Pending -- -- --
01/28/2018 01/28/18 For Sale $170,000 -- $162 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $340,000 Coastal Key Title Llc
Warranty Deed $300,000 Fidelity National Title
Warranty Deed $165,000 Fidelity National Title Of F
Warranty Deed $143,000 Fidelity Natl Title Fl Inc
Warranty Deed $90,000 Fidelity Natl Title Of Fl In
Interfamily Deed Transfer -- Attorney
Warranty Deed $71,500 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $318,250 New Conventional
Previous Owner $156,750 New Conventional
Previous Owner $128,700 New Conventional
Previous Owner $64,350 New Conventional
Source: Public Records

Source: Stellar MLS

MLS Number: TB8437331

Stellar MLS

APN: 29-29-16-18714-000-0107