David Ramirez
$1,229,000$1,327,0005 bd3.5 ba2,654 sqft$463 /sqft$7,741 /mo all-in ↓

6538 SIMONE SHORES CIRCLE, APOLLO BEACH, FL, 33572

Active522 days on marketListed Feb 16, 2025MLS #TB8346840

Reduced $98KNew constructionWaterfrontPrivate poolSingle Family ResidenceHEMINGWAY ESTATES PH 1-A

Come see it

Upcoming open houses

Mon, Jul 27

10:00 AM – 3:00 PM

Hosted By Vick White-Please meet agent at the sales center- 6536 Simone Shores to access all homes

Fri, Jul 31

10:00 AM – 3:00 PM

Hosted By Vick White-Please meet agent at the sales center- 6536 Simone Shores to access all homes

About this home

6538 SIMONE SHORES CIRCLE

6538 Simone Shores Circle | The Orion Floorplan 5 Beds | 4 Baths | 2,654 Living Sq. Ft. | 12 ft Elevation Welcome to 6538 Simone Shores Circle, a newly constructed 2024 waterfront home by Bistro Builders, located in the elevated community of Simone Shores in Apollo Beach. The Orion floorplan features 5 bedrooms and 4 bathrooms across 2,654 sq. ft. of living space, along with a private dock, new seawall, 10,000 lb boat lift, and a heated saltwater pool and spa. Built for long-term strength and energy efficiency, this home includes solid block construction on both floors, a 12-foot elevation, stem wall foundation, and cement flooring between levels. It also features hurricane-rated impact windows, solar roof shingles, seamless fire-resistant doors, icynene spray foam insulation, and insulated hurricane-rated garage doors. The garage includes multi-layer epoxy flooring. Inside, the home offers soaring 24-ft ceilings, smooth finish walls, and triple tray ceilings with integrated lighting. Custom imported tile runs throughout the main living spaces. The open great room features an electric fireplace, surround sound, and triple sliding glass doors that open to the covered lanai with outdoor kitchen and open pool with hot tub area. A fully integrated smart system controls the solar roof tiles, lighting, thermostat, garage, pool, and security features from your phone or mounted iPads. Security includes both facial and fingerprint recognition access. Programmable soffit, window, and baseboard lighting is installed throughout. The chef’s kitchen includes quartz countertops, a waterfall island, a gas stove with pot filler, a wine cooler, walk-in pantry, and European-style cabinetry with pull-down and organizational shelving. The main-level primary suite offers canal and pool views, lanai access, and a large walk-in closet with a European organization system. The ensuite bath includes dual vanities, a jetted soaking tub, and a floor-to-ceiling tiled shower with multiple shower heads offering adjustable color and pressure settings. Secondary bedrooms upstairs are generously sized, each with custom closets and access to the balcony with water views and open-air. A second floor laundry room with folding station and sink adds convenience, along with two full bathrooms upstairs. The dining room is full of natural light, and the split bedroom layout provides added privacy. This home includes a paver driveway. Lawncare and landscaping service covered by the low monthly HOA, and is located just minutes from the Manatee Viewing Center, highways, restaurants, shopping, and schools. With unmatched construction quality, energy-efficient upgrades, and a prime waterfront location, 6538 Simone Shores Circle offers the ideal blend of Florida lifestyle and long-term peace of mind.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

2,654

Sqft

0.24 ac

Lot size

2

Garage

2025

Year built

Two

Levels

$463

Per sqft

Private poolWaterfrontFireplacePark/Greenbelt & Water viewPets allowed

Inside

FlooringTile
AppliancesDishwasher · Disposal · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Touchless Faucet · Wine Refrigerator
InteriorAttic Ventilator · Built-in Features · Ceiling Fan(s) · Central Vacuum · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Solid Surface Counters · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryGas Dryer Hookup · Inside · Laundry Room · Upper Level · Washer Hookup
CoolingCentral Air
HeatingCentral · Heat Pump

Outside & construction

RoofOther · Tile
ConstructionBlock · Concrete · Stucco
FoundationSlab · Stem Wall
ViewPark/Greenbelt · Water
FacesWest
ParkingDriveway · Garage Door Opener · Ground Level · Off Street
ExteriorBalcony · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$265/mo
Taxes (2024)$2,686/yr
PetsCats OK, Dogs OK, Yes
CommunityDeed Restrictions

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Solar · Sprinkler Recycled · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$7,741 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,632
PMI (est., until 20% equity)$461
Property tax — 2024 actual bill$224
HOA fee — from the listing$265
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $122,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $122,900
Interest rate6.00%
Loan term

Estimated payment

$7,741/mo

Principal & interest$6,632
PMI (est., until 20% equity)$461
Property taxes (actual bill)$224
HOA / condo fee$265
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 Apollo Beach

Map of 6538 SIMONE SHORES CIRCLE

Drive times from this address

Downtown Tampa27 min
Tampa Int’l Airport (TPA)39 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Apollo Beach. See the full Apollo Beach guide →

APOLLO BEACH 33572 — neighborhood snapshot

Population

25,045

Median age

43.8

Median income

$113,775

Median home value

$430,900

Avg household

2.59

Households w/ children

3,126

For the school run

Hillsborough County School District

ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Apollo Beach market

Seller’s marketLeans buyer7.3 months of inventoryBuyer’s market

$450K$472K

Apollo Beach median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 173% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,229,000 $98K
Feb 16, 2025Listed at $1,327,000 · 522 days on market since
2025Built · HEMINGWAY ESTATES PH 1-A

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6538 SIMONE SHORES CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6538 SIMONE SHORES CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

6538 SIMONE SHORES CIRCLE FAQs

What would the monthly payment be for 6538 SIMONE SHORES CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,741/mo — principal and interest, the actual property-tax bill, the $265/mo association fee 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.

How much are the HOA fees at 6538 SIMONE SHORES CIRCLE?+

The association fee works out to $265 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 6538 SIMONE SHORES CIRCLE?+

The most recent tax bill on record (2024) was $2,686. 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 6538 SIMONE SHORES CIRCLE?+

The listing reports pets: Cats OK, Dogs OK, Yes. 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 Apollo Beach?+

At $1,229,000, this home is listed about 151% above the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6538 SIMONE SHORES CIRCLE?+

Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,229,000 runs 173% above the APOLLO BEACH 33572 median — but at 2,654 sqft it's also 25% larger than the typical Apollo Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

522 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,327,000, now $1,229,000 — a $98K cut. The full history is in the market section below.

Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8346840.

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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