4575 COVE CIRCLE UNIT 309, ST PETERSBURG, FL, 33708
Active8 days on marketListed Aug 3, 2026MLS #TB8533500
About this home
4575 COVE CIRCLE UNIT 309
Delightfully Updated Corner Unit in the Heritage at Sea Towers available for annual rental beginning September 1, 2026. Newly renovated with designer 12x24 tile throughout the living areas. A brand new kitchen with white Shaker style cabinetry, granite counters, stainless steel appliances and LED lighting. Updated ensuite master bath and guest bath. Beautiful Intracoastal water views in a park-like setting with an abundance of amenities. This 2 bedroom/2 bath condo offers a spacious layout and lots of natural light. The large living area features views of the water. The sunny Florida Room can be used as an office or den. Cable and Internet are included! Laundry is conveniently located on every floor. Sea Towers is an extremely well maintained, active, waterfront community. From Bingo to Belly Dancing - Texas Hold’em to Tai Chi there is something for everyone in this friendly community. In addition to a social director and activities calendar, Sea Towers has extensive amenities including recreational activities including 2 Heated pools, Club House, Auditorium, Beach House Patio, Beach House Picnic & Grill Area, Fitness Facility, Fishing Pier, Clubhouse Kitchen, Lady's Card Room, Lagoon, Lagoon Side Patio, Lawn Bowling Court, Library, Sitting Area, Men's Card Room, Picnic Shelter & Grill Area, Pool Table Room, Putting Green, Shuffleboard Courts, Tennis and Pickleball Courts, Walking Track and more. Covered parking is located adjacent to the condo #7-60. Sea Towers offers privacy and security with a 24 staffed Guard Gate and on-site security staff. Shopping is a short walk from the condo and the beautiful Gulf beaches are close-by. Enjoy beach sunsets each evening and sunrise in the morning. This unit is offered unfurnished. Sea Towers is an active 55+ community. No pets.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,040
Sqft
0 ac
Lot size
1973
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Petersburg actives
$2 vs $333
Days on market
8 vs 57 typical
Where $2/sqft sits among the 400 St Petersburg actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Petersburg
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Petersburg. See the full St Petersburg guide →
ST PETERSBURG 33708 — neighborhood snapshot
Population
15,306
Median age
61.1
Median income
$83,773
Median home value
$463,700
Avg household
1.9
Households w/ children
600
For the school run
Pinellas County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Petersburg market
$380K → $402K
St Petersburg median sold, yr/yr
95.8%
Sale-to-list ratio (12 mo)
223 of 400
St Petersburg actives have cut their price
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the ST PETERSBURG 33708 median. See the full St Petersburg market guide →
Paper trail
This home's history
Reality check
What actually sold near 4575 COVE CIRCLE UNIT 309
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$880,000
14600 GULF BOULEVARD UNIT 102
2 bd · 2 ba · 1,070 sqft · $822/sqft · 60 DOM
Sold · Jun ’26$260,000
451 VIRGINIA AVENUE
2 bd · 1 ba · 1,008 sqft · $258/sqft · 2 DOM
Sold · Aug ’25$305,000
14067 MARGUERITE DRIVE
2 bd · 2 ba · 1,008 sqft · $303/sqft · 91 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4575 COVE CIRCLE UNIT 309 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4575 COVE CIRCLE UNIT 309 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
4575 COVE CIRCLE UNIT 309 FAQs
What would the monthly payment be for 4575 COVE CIRCLE UNIT 309?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 4575 COVE CIRCLE UNIT 309?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Petersburg?+
At $2,150, this home is listed about 100% below the St Petersburg median of $435,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4575 COVE CIRCLE UNIT 309?+
Orange Grove Elementary School (elementary), Osceola Middle School (middle), Richard O Jacobson Technical High School At Seminole (high) — Pinellas County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST PETERSBURG 33708 market on paper
$2,150 is 100% below the ST PETERSBURG 33708 median of $450,000, and at $2/sqft it sits under the St Petersburg average of $382.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Orange Grove Elementary School, Osceola Middle School, Richard O Jacobson Technical High School At Seminole — Orange Grove Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of WILSON REALTY LLC · Linda Wilson. MLS #TB8533500.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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