David Ramirez
$310,0003 bd2 ba1,014 sqft$306 /sqft$2,445 /mo all-in ↓

557 FLAME TREE DRIVE, APOLLO BEACH, FL, 33572

Active191 days on marketListed Jan 12, 2026MLS #TB8463342

Priced 31% below the APOLLO BEACH 33572 medianSingle Family ResidenceAPOLLO BEACH UNIT ONE PT ONE

About this home

557 FLAME TREE DRIVE

Welcome to 557 Flame Tree Drive in Apollo Beach — where comfort, space, and Florida living come together. This well-maintained single-story home sits on a spacious corner lot and offers a rare combination of privacy, outdoor living, and functionality in a desirable coastal community. Inside, the home features a bright, open living and dining area with an efficient layout that maximizes every square foot. The kitchen offers ample cabinetry and workspace, flowing seamlessly into the main living areas—perfect for everyday living and entertaining. With three bedrooms and two bathrooms, the split layout provides flexibility for families, guests, or a dedicated home office. One of the standout features is the expansive covered and screened back porch, creating the perfect shaded retreat to enjoy Florida living year-round. Whether hosting gatherings, relaxing with morning coffee, or unwinding in the evenings, this space truly extends the home outdoors. Beyond the porch, the huge fully fenced backyard offers endless possibilities—ideal for pets, play, gardening, or even adding a pool in the future. A detached storage shed provides additional space for tools, hobbies, or equipment. The property also includes an attached garage, ample driveway parking, and the added benefit of being located in unincorporated Hillsborough County, which may offer lower tax burdens compared to city properties. Located just minutes from Tampa Bay, marinas, waterfront dining, parks, boat ramps, and beaches, this home also provides convenient access to Ruskin, Riverview, Brandon, and downtown Tampa. Apollo Beach is known for its laid-back coastal lifestyle, making this property ideal as a primary residence, second home, or investment opportunity. Homes with large fenced yards, corner lots, and screened outdoor living spaces are in high demand—don’t miss your chance to own this Apollo Beach gem. Schedule your private showing today and experience the best of Florida living at 557 Flame Tree Drive.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,014

Sqft

0.21 ac

Lot size

1

Garage

1968

Year built

One

Levels

$306

Per sqft

Negotiable

Inside

FlooringTile
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Thermostat · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBrick · HardiPlank Type · Stucco
FoundationSlab
FacesEast
ParkingDriveway · Garage Door Opener · Off Street · Oversized · Parking Pad
ExteriorLighting · Outdoor Grill · Private Yard · Rain Gutters

Community & fees

Taxes (2024)$3,880/yr

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Street Lights · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$2,445 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,825
FHA mortgage insurance (est.)$137
Property tax — 2024 actual bill$323
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,850Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $10,850
Interest rate6.00%
Loan term

Estimated payment

$2,445/mo

Principal & interest$1,825
FHA mortgage insurance (est.)$137
Property taxes (actual bill)$323
Est. insurance$160

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.

$/sqft vs APOLLO BEACH UNIT ONE PT ONE

$306 vs $243

Days on market

191 vs 56 typical

Where $306/sqft sits among the 8 homes for sale in APOLLO BEACH UNIT ONE PT ONE

3
2
1
0
0 · this home
2
$218–236$236–253$253–271$271–289$289–306$306+

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

Map of 557 FLAME TREE DRIVE

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

MiddleShields Middle School★★★★
HighLennard High School★★★★★
ElementaryCypress Creek Elementary School★★★★
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)

6 of 8

APOLLO BEACH UNIT ONE PT ONE have cut their price

Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 31% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

Jan 12, 2026Listed at $310,000 · 191 days on market since
1968Built · APOLLO BEACH UNIT ONE PT ONE

Reality check

What actually sold near 557 FLAME TREE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

432 FLAMINGO DRIVESold · May ’26

$235,000

432 FLAMINGO DRIVE · same community

3 bd · 2 ba · 1,118 sqft · $210/sqft · 244 DOM

6312 FAIRWAY BLVDSold · May ’26

$328,000

6312 FAIRWAY BLVD · same community

2 bd · 2 ba · 1,119 sqft · $293/sqft · 129 DOM

540 FLORIDA CIRCLE SSold · Nov ’25

$146,000

540 FLORIDA CIRCLE S · same community

2 bd · 1 ba · 1,119 sqft · $130/sqft · 116 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 557 FLAME TREE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 557 FLAME TREE 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.

Goes straight to David’s phone and CRM.

Straight answers

557 FLAME TREE DRIVE FAQs

What would the monthly payment be for 557 FLAME TREE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,445/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 557 FLAME TREE DRIVE?+

The most recent tax bill on record (2024) was $3,880. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Apollo Beach?+

At $310,000, this home is listed about 37% 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 557 FLAME TREE DRIVE?+

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 REAL BROKER, LLC · Jammie Garlock. MLS #TB8463342.

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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