David Ramirez
$705,000$769,0003 bd3.5 ba2,026 sqft$348 /sqft$4,945 /mo all-in ↓

6512 SIMONE SHORES CIRCLE, APOLLO BEACH, FL, 33572

Active411 days on marketListed Jun 8, 2025MLS #TB8393675

Reduced $64KWaterfrontSingle Family ResidenceHEMINGWAY ESTATES PH 1-A

About this home

6512 SIMONE SHORES CIRCLE

6512 Simone Shores, Apollo Beach, FL | 3 Beds | 3.5 Baths | Over 2,000 Sq Ft | Waterfront | Private Docks + Boat Lift | Bay Access Welcome to 6512 Simone Shores, Apollo Beach, FL, a fully updated Key West–style waterfront home with direct Tampa Bay access, located in the desirable Hemingway Estates community. This 3-bedroom, 3.5-bath residence offers over 2,000 square feet of living space, two private docks with a boat lift and double jet ski lift, and peaceful water views with no rear neighbors, thanks to a protected conservation area across the canal. The interior has been completely remodeled and is carpet-free, featuring high-end flooring and premium finishes throughout. All bathrooms showcase floor-to-ceiling imported tile, brand-new cabinetry, and updated fixtures. The kitchen includes a full stainless steel appliance package and opens seamlessly to the main living area, creating an ideal space for entertaining. The living room features an electric fireplace and large windows that maximize natural light and waterfront views. A large covered lanai with automatic drop-down screens, accessible from the main living area, adds exceptional indoor-outdoor living space. All three bedrooms are located upstairs. The primary suite features a beautifully designed bathroom, a walk-in closet, and a private balcony overlooking the water. A spacious guest bedroom includes an ensuite bath and front balcony access, while the third bedroom is conveniently located near a full bath and laundry room, with access to an upper balcony. Outside, enjoy the true Florida waterfront living with your private docks, boat lift, and jet ski lift, offering direct access to Tampa Bay. From this location, Tampa and St. Petersburg is approximately a 25-minute boat ride, making this home ideal for boating enthusiasts. The conservation area across the canal provides long-term privacy and serene views—an increasingly rare feature in waterfront homes. Built for durability and peace of mind, the home features block construction, a metal roof, and an elevated foundation over 11 feet above sea level. Additional upgrades include a water softener, security system, and surround sound pre-wiring. Hemingway Estates is one of Apollo Beach’s most affordable newer waterfront communities, offering no CDD fees and a low monthly HOA that includes individual home landscaping. The location allows for easy walks to top-rated elementary and middle schools, with quick access to waterfront restaurants, parks, the Manatee Viewing Center, and all the boating, fishing, and coastal lifestyle Apollo Beach is known for. If you’re searching for a move-in-ready waterfront home with bay access, private docks, and long-term value, 6512 Simone Shores delivers on every level.

Facts & features

The home at a glance

3

Bedrooms

3.5

Bathrooms

2,026

Sqft

0.23 ac

Lot size

2

Garage

2007

Year built

Two

Levels

$348

Per sqft

WaterfrontFireplaceWater view

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs
LaundryElectric Dryer Hookup · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener · Guest · Off Street
ExteriorBalcony · Hurricane Shutters · Irrigation System · Private Mailbox · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$265/mo
Taxes (2024)$5,412/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · 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.

$4,945 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,804
PMI (est., until 20% equity)$264
Property tax — 2024 actual bill$451
HOA fee — from the listing$265
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $70,500Loan30-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% · $70,500
Interest rate6.00%
Loan term

Estimated payment

$4,945/mo

Principal & interest$3,804
PMI (est., until 20% equity)$264
Property taxes (actual bill)$451
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 6512 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 57% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $705,000 $64K
Jun 8, 2025Listed at $769,000 · 411 days on market since
2007Built · 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 6512 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 6512 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

6512 SIMONE SHORES CIRCLE FAQs

What would the monthly payment be for 6512 SIMONE SHORES CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,945/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 6512 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 6512 SIMONE SHORES CIRCLE?+

The most recent tax bill on record (2024) was $5,412. 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 6512 SIMONE SHORES CIRCLE?+

The listing reports pets: Cats OK, Dogs OK. 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 $705,000, this home is listed about 44% 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 6512 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

$705,000 runs 57% 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

411 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 $769,000, now $705,000 — a $64K cut. The full history is in the market section below.

Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8393675.

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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