861 SYMPHONY ISLES BOULEVARD, APOLLO BEACH, FL, 33572
Active365 days on marketListed Jul 24, 2025MLS #TB8407943
About this home
861 SYMPHONY ISLES BOULEVARD
Unmatched WATERFRONT Paradise – Luxurious 5-Bedroom, 7-Bath Pool Home in the gated Community of Symphony Isles. Welcome to your dream waterfront oasis! This stunning, grand home redefines luxurious living with five spacious bedrooms, seven spa-inspired bathrooms, and all the bells and whistles you could desire including high impressive ceilings, and lots of natural light. This home is ideal for multi generational living. Nestled in an exclusive gated community, this residence offers the perfect blend of privacy, elegance, and fun—your lush tropical retreat on the water. The downstairs has its own separate entrance making it an ideal in-law or guest suite. The third floor offers and additional fun living/bedroom space and incredible views down the canal. An expansive, open-concept layout with jaw-dropping water vistas from nearly every room. Lots of outdoor living space, enjoy your morning java on the deck overlooking the water and enjoy the dolphins frolicking, birds and other wildlife. A chef’s dream kitchen featuring top-tier appliances, sleek cabinetry, and a n impressive,huge island, large butlers pantry —perfect for whipping up island-inspired feasts or casual gatherings. A two-car garage for secure parking and extra storage—because your toys and treasures deserve a safe home, too!.... Outdoor living at its best , truly an entertainers dream , complete with a spacious deck , shimmering pool and private dock, ideal for boating, fishing, or simply soaking in the sun and the gorgeous water views. Set within a secure, gated community, this home offers the perfect playground for fun, relaxation, and making lifelong memories. Whether you’re hosting lively gatherings or enjoying quiet mornings by the water, this property is the ultimate waterfront retreat—big, beautiful, and built for a life of luxury and leisure. Current owners flood policy is assumable. AC 2020, Windows 2020 (transferrable warranty) 24000 lbs Boatlift,. Residents of Symphony Isles have access to the community clubhouse for social gatherings, community pool, playground, private boat ramp and beach area.....Schedule your private tour today and start living the waterfront dream!
Facts & features
The home at a glance
5
Bedrooms
6
Bathrooms
2,850
Sqft
0.15 ac
Lot size
2
Garage
1994
Year built
Three Or More
Levels
$326
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.
$6,806 /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
$6,806/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.
$/sqft vs Apollo Beach actives
$326 vs $227
Days on market
365 vs 56 typical
Where $326/sqft sits among the 396 Apollo Beach 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 Apollo Beach
Drive times from this address
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
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)
228 of 396
Apollo Beach actives have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 106% 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 861 SYMPHONY ISLES BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$925,000
849 SYMPHONY ISLES BOULEVARD · same community
4 bd · 4 ba · 2,551 sqft · $363/sqft · 25 DOM
Sold · Apr ’26$765,000
808 SYMPHONY ISLES BOULEVARD · same community
3 bd · 2 ba · 2,477 sqft · $309/sqft · 81 DOM
Sold · Sep ’25$560,000
818 SYMPHONY ISLES BOULEVARD · same community
3 bd · 2.5 ba · 2,201 sqft · $254/sqft · 9 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 861 SYMPHONY ISLES BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 861 SYMPHONY ISLES BOULEVARD — 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
861 SYMPHONY ISLES BOULEVARD FAQs
What would the monthly payment be for 861 SYMPHONY ISLES BOULEVARD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,806/mo — principal and interest, the actual property-tax bill, the $194/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 861 SYMPHONY ISLES BOULEVARD?+
The association fee works out to $194 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 861 SYMPHONY ISLES BOULEVARD?+
The most recent tax bill on record (2024) was $13,091. 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 861 SYMPHONY ISLES BOULEVARD?+
The listing reports pets: 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 $929,000, this home is listed about 90% 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 861 SYMPHONY ISLES BOULEVARD?+
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
$929,000 runs 106% above the APOLLO BEACH 33572 median — but at 2,850 sqft it's also 35% 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
365 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 $999,000, now $929,000 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 JIM WHITE & ASSOC · Helle Hartley. MLS #TB8407943.
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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