6432 RUBIA CIRCLE, APOLLO BEACH, FL, 33572
Active209 days on marketListed Dec 26, 2025MLS #TB8458319
About this home
6432 RUBIA CIRCLE
6432 Rubia Circle | Apollo Beach, FL Vacant Land | Gated Waterfront Community | Motivated Seller This is your opportunity to build a custom home from the ground up in one of Apollo Beach’s most desirable gated communities. Located on an oversized homesite in Andalucia, 6432 Rubia Circle offers the space, setting, and flexibility to design a home that fits your lifestyle—not someone else’s. Utilities including water, sewer, and electric are already available at the street, allowing you to move forward with construction quickly and confidently. The seller is motivated and is offering an added incentive by paying HOA dues for one full year after closing, helping offset initial costs as you plan your build. Andalucia is known for its upscale coastal feel and resort-style amenities, including a bayfront community pool, private residents-only jetty, and community marina. While this lot does not include a deeded boat slip, marina slips do become available for lease from time to time, offering future boating flexibility. Compared to other available homesites in the community, this lot is larger and priced aggressively, making it a strong value for buyers looking to build in a premier Apollo Beach location. Whether your vision includes outdoor living space, a pool, or a thoughtfully designed custom floor plan, this lot provides the canvas to bring it to life. Opportunities to build in Andalucia are limited. If you’ve been waiting for the right sign to start planning your custom home, this is it.
Facts & features
The home at a glance
0.3 ac
Lot size
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.
$2,544 /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
$2,544/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.
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)
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
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 6432 RUBIA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6432 RUBIA 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.
Straight answers
6432 RUBIA CIRCLE FAQs
What would the monthly payment be for 6432 RUBIA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,544/mo — principal and interest, the actual property-tax bill, the $332/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 6432 RUBIA CIRCLE?+
The association fee works out to $332 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6432 RUBIA CIRCLE?+
The most recent tax bill on record (2024) was $2,679. 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 6432 RUBIA 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 $289,000, this home is listed about 41% 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 6432 RUBIA CIRCLE?+
Shields Middle School (middle), Lennard High School (high), Cypress Creek Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8458319.
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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