4725 COVE CIRCLE UNIT 306, ST PETERSBURG, FL, 33708
Active0 days on marketListed Aug 14, 2026MLS #TB8536268
About this home
4725 COVE CIRCLE UNIT 306
Every year, you take out a second mortgage on your home up north so that you can afford to rent a condo here in Florida for the winter months. Well, here's an alternative: why don't you BUY your own little condo here, and let other folks come up with rental money when you're not here? Hee is the perfect purchase for that goal; a lovely efficiency in a WATERFRONT complex across the bridge from Madeira Beach! This unit is located in popular Sea Towers on the Intracoastal Waterway. The gated Sea Towers community has plenty of things for you to while away your time here without ever leaving the complex. There are TWO pools, tennis, pickleball, bocce ball and shuffleboard courts, a putting green, fishing areas, a remodelled club house opening soon, a beautiful lagoon surrounded by a wide sidewalk (hint: three times around the lagoon is about the length of your daily mile walk!) The unit has a complete kitchen, bathroom (with an actual tub!), and pleasant sunset views! Sea Towers is close to shopping (as in right around the corner), movie theatres, and downtown night life in St. Pete, Clearwater and Tampa. Come see how fun-filled and enjoyable your winters can be (or you might even enjoy it here year-round!)
Facts & features
The home at a glance
0
Bedrooms
1
Bathrooms
485
Sqft
0.64 ac
Lot size
1970
Year built
One
Levels
$223
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$998 /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
$998/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
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)
Median sold price, St Petersburg, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 77% below the ST PETERSBURG 33708 median. See the full St Petersburg market guide →
Paper trail
This home's history
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 4725 COVE CIRCLE UNIT 306 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4725 COVE CIRCLE UNIT 306 — 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
4725 COVE CIRCLE UNIT 306 FAQs
What would the monthly payment be for 4725 COVE CIRCLE UNIT 306?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $998/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4725 COVE CIRCLE UNIT 306?+
The most recent tax bill on record (2025) was $1,849. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4725 COVE CIRCLE UNIT 306?+
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 $108,000, this home is listed about 75% 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 4725 COVE CIRCLE UNIT 306?+
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
Four things that matter here
01Under the ST PETERSBURG 33708 market on paper
$108,000 is 77% below the ST PETERSBURG 33708 median of $469,950, and at $223/sqft it sits under the St Petersburg average of $381.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Listed today in a St Petersburg market that averages 58 — if it fits, move quickly.
04Strong 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.
Listing courtesy of CENTURY 21 RE CHAMPIONS · Kathryn Larkin. MLS #TB8536268.
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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