623 WINTERSIDE DRIVE, APOLLO BEACH, FL, 33572
Active289 days on marketListed Oct 7, 2025MLS #TB8434710
About this home
623 WINTERSIDE DRIVE
This Home is a MUST see!!! Welcome Home to MiraBay – Southern Hillsborough County’s Premier Waterfront Community! Enjoy resort style amenities while living the coastal lifestyle in this entertainment-friendly layout home. Refreshed landscaping welcomes you to the cozy front porch of this stunning home that offers over 2,900 sq. ft. of living space with 4 bedrooms, 3 baths, an oversized bonus room that can be used as a second Home Office, Teen Retreat, Study Area or Draft Room and a huge 1st floor laundry work area. Enjoy first-class interior finishes throughout, including a gourmet kitchen with a large island, gas cooktop, stainless steel appliances, 42” light-painted cabinets, Zodiac quartz countertops, and a decorative glass backsplash. The open kitchen flows seamlessly into the bright and airy great room, featuring wood plank tile flooring, 8 ft. interior doors, 5¼" baseboards, and plantation shutters. The luxurious first-floor primary suite includes a spacious walk-in closet, dual sinks, premium cabinetry and countertops, and a generous walk-in shower. Upstairs, a large flex space and two additional bedrooms (one with a custom shiplap accent wall) share a beautifully appointed full bath. The landscape and architectural lighting in the front of the house is high voltage, hard-wired and permanently installed. Located in the maintenance-free Bay Breeze section of MiraBay, HOA fees include landscaping, irrigation, and interior water. Residents enjoy resort-style amenities: a clubhouse with café, fitness center, spa, resort pool with slide and swim lanes, tennis courts, fishing pier, and kayak/canoe access to Tampa Bay through the scenic lagoon. Experience coastal living at its finest in this sought-after gated community! MiraBay is golf cart friendly. This Home is a terrific fit for move-up Buyers wanting more space, remote workers needing flex rooms, families relocating for the coastal lifestyle, Tampa commuters who desire resort living and second-home buyers seeking low maintenance living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,925
Sqft
0.11 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$154
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.
$4,054 /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
$4,054/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.
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
−13.9%
Days on market
289 vs 56 typical
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)
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 623 WINTERSIDE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 623 WINTERSIDE 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
623 WINTERSIDE DRIVE FAQs
What would the monthly payment be for 623 WINTERSIDE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,054/mo — principal and interest, the actual property-tax bill, the $365/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 623 WINTERSIDE DRIVE?+
The association fee works out to $365 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 623 WINTERSIDE DRIVE?+
The most recent tax bill on record (2024) was $8,176. 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 623 WINTERSIDE DRIVE?+
The listing reports pets: Breed Restrictions. 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 $450,000, this home is listed about 8% below the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 623 WINTERSIDE 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
Three things that matter here
01Time on market is leverage
289 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
02Strong 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.
03The price has already moved
Listed at $575,000, now $450,000 — a $125K cut. The full history is in the market section below.
Listing courtesy of RE/MAX PREMIER GROUP · Paula Dysle. MLS #TB8434710.
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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