426 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572
Active464 days on marketListed Apr 16, 2025MLS #TB8374977
Come see it
Upcoming open house
Sun, Jul 26
12:00 PM – 3:00 PM
Hosted by Chris Heath
About this home
426 ISLEBAY DRIVE
BACK ON THE MARKET through no fault of the seller! Easy Breezy Waterfront Living in Mirabay! Kick back and relax at 426 Islebay Drive, a coastal-chic 3-bedroom, 2-bathroom getaway tucked inside the gated, golf-cart-friendly community of Mirabay in sunny Apollo Beach. Built in 2004 by Morrison Homes, this Key Largo floor plan delivers just under 2,000 square feet of open, airy living — perfect for soaking in the Florida lifestyle. Start your mornings or wind down in the evenings on the inviting front porch, where the sea breeze sets the tone. Inside, you'll find a light-filled, open layout with high ceilings, luxury vinyl plank flooring, and a laid-back vibe throughout. The kitchen is ready for anything — whether it’s a quiet dinner at home or weekend entertaining — complete with stainless steel appliances, a wine fridge, and a bar fridge to keep your drinks chilled. The primary suite is your own little escape, with tranquil water views and a spacious private bath. Two extra bedrooms give you plenty of flexibility for guests, hobbies, or a home office setup. Step through the french doors to your private backyard retreat — think: heated pool and spa, screened lanai, outdoor kitchen with a built-in grill, and a lush privacy hedge that makes it feel like your own secret spot. And if you’re into boating, you’ll love the private dock with a 10,000-lb boat lift and easy access to the open bay. You're just a short stroll from the clubhouse and all the Mirabay amenities — including a resort-style pool and café, 24 hr fitness center, tennis and pickleball courts, parks, playgrounds, and more. Cruise around the neighborhood by golf cart, stop to chat with friendly neighbors, or take in those Florida sunsets by the water. With easy access to shopping, dining, top-rated schools, and major highways to Tampa, St. Pete, and Sarasota — this slice of paradise is more than a home… it’s a lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,977
Sqft
0.15 ac
Lot size
2
Garage
2004
Year built
One
Levels
$442
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 and the real association fee — not generic estimates.
$6,133 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,133/mo
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.
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.
vs edgeAI estimate
+15.1%
$/sqft vs MIRABAY PH 1B-1/2A-1/3B-1
$442 vs $353
Days on market
464 vs 56 typical
Where $442/sqft sits among the 6 homes for sale in MIRABAY PH 1B-1/2A-1/3B-1
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 Mirabay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apollo Beach. See the full Apollo Beach guide →
Mirabay — neighborhood snapshot
Population
2,133
Median age
56
Median income
$98,381
Median home value
$406,778
Avg household
2
Households w/ children
218
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apollo Beach market
$450K → $472K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
3 of 6
MIRABAY PH 1B-1/2A-1/3B-1 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 94% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 426 ISLEBAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$855,000
526 ISLEBAY DRIVE · same community
3 bd · 3 ba · 2,453 sqft · $349/sqft · 0 DOM
Sold · Aug ’25$925,000
422 ISLEBAY DRIVE · same community
4 bd · 2.5 ba · 2,654 sqft · $349/sqft · 93 DOM
Sold · Aug ’25$880,000
428 ISLEBAY DRIVE · same community
4 bd · 2.5 ba · 2,769 sqft · $318/sqft · 130 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 426 ISLEBAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 426 ISLEBAY DRIVE — 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.
Straight answers
426 ISLEBAY DRIVE FAQs
What would the monthly payment be for 426 ISLEBAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,133/mo — principal and interest, the actual property-tax bill, the $16/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 426 ISLEBAY DRIVE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 426 ISLEBAY DRIVE?+
The most recent tax bill on record (2024) was $10,960. 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 426 ISLEBAY DRIVE?+
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 $874,000, this home is listed about 78% 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 426 ISLEBAY DRIVE?+
Apollo Beach K-8 School (elementary), Lennard High School (high), 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
$874,000 runs 94% above the APOLLO BEACH 33572 median.
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
464 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Apollo Beach K-8 School, Lennard High School, Patricia Sullivan Metropolitan Ministries Partnership School — Apollo Beach K-8 School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8374977.
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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