910 SPINDLE PALM WAY, APOLLO BEACH, FL, 33572
Pending166 days on marketListed Feb 7, 2026MLS #TB8473743
About this home
910 SPINDLE PALM WAY
Virtually Staged. Unbelivable Price! Best deal in town! Experience the ultimate Florida waterfront lifestyle in this beautifully renovated home located in the highly desirable community of Apollo Beach. Situated on prime wide deep-water canal frontage with no fixed bridges, this rare sailboat-access property offers direct boating access to Gulf of America that is increasingly hard to find and exceptionally valuable. Major updates include a new roof (2022), new AC system, and extensive interior renovations throughout. The stunning kitchen features gorgeous granite countertops, updated cabinetry, and new appliances, while renovated bathrooms add modern style and comfort. Nearly every room captures breathtaking water views, creating a true coastal retreat feel throughout the home. Relax and entertain in the spacious living area highlighted by a beautiful stone wood-burning fireplace, or step outside to the expansive 20x12 screened patio overlooking the water — the perfect setting for morning coffee, evening sunsets, or hosting unforgettable gatherings. The oversized backyard offers ample room to add a pool and create your own private outdoor oasis. Located in one of the most sought-after waterfront communities within a 50-mile radius, this home combines waterfront living with exceptional convenience. Enjoy close proximity to airports, award-winning Gulf beaches, restaurants, shopping, Ellenton Outlets, and St. Joseph's Hospital. Plus, you’re just 90 minutes from Walt Disney World, 30 minutes to Busch Gardens, 35 minutes to Downtown Tampa, and 50 minutes to Tampa International Airport. Whether you're searching for a full-time residence, vacation getaway, or entertainer’s dream home, this property delivers an incredible opportunity to enjoy waterfront living at an exceptional value — just in time for summer boating and waterfront fun.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,590
Sqft
0.21 ac
Lot size
2
Garage
1973
Year built
One
Levels
$283
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 — not generic estimates.
$3,622 /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
$3,622/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
+4.8%
Days on market
166 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 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.
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 910 SPINDLE PALM WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 910 SPINDLE PALM WAY — 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
910 SPINDLE PALM WAY FAQs
What would the monthly payment be for 910 SPINDLE PALM WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,622/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 910 SPINDLE PALM WAY?+
The most recent tax bill on record (2024) was $7,371. 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 910 SPINDLE PALM WAY?+
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 $449,900, 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 910 SPINDLE PALM WAY?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
166 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $559,900, now $449,900 — a $110K cut. The full history is in the market section below.
Listing courtesy of SELLERS BROKER OF FLORIDA · Eve Alexander. MLS #TB8473743.
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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