David Ramirez
$415,000$425,0003 bd2.5 ba2,209 sqft$188 /sqft$4,161 /mo all-in ↓

729 WINTERSIDE DRIVE, APOLLO BEACH, FL, 33572

Active145 days on marketListed Feb 28, 2026MLS #TB8481012

Priced 8% below the APOLLO BEACH 33572 medianReduced $10KSingle Family ResidenceMIRABAY PARCELS 21 & 23

About this home

729 WINTERSIDE DRIVE

Welcome to 729 Winterside Dr, a beautifully designed modern home situated in a highly desirable community. Featuring a spacious open-concept layout, elegant finishes, and abundant natural light, this residence offers the perfect blend of comfort and style . Enjoy your new home with a dream kitchen equipped with stainless steel appliances, quartz countertops, an oversized island with bar seating, white shaker cabinets, stylish subway tile backsplash, and elegant pendant lighting. The open layout seamlessly connects the kitchen to the dining and living areas, making it perfect for entertaining. Gorgeous wood-look tile flooring throughout the main living spaces, complemented by high ceilings and recessed lighting for a bright and airy feel. Enjoy a master Suite Retreat with a generously sized primary suite featuring a spa-like ensuite bathroom with a double vanity, oversized walk-in shower, and a spacious walk-in closet with plenty of shelving. There are two additional well-appointed bedrooms with large closets, plantation shutters, and ceiling fans. The guest bath features dual sinks, elegant lighting, and a separate shower area. Enjoy dedicated Laundry Room: Equipped with modern washer & dryer, ample storage space, and built-in shelving. The home has an attached 2-Car Garage: A spacious two-car garage with a long driveway, offering plenty of parking and storage. This home is a true gem with move-in-ready appeal in a vibrant, sought-after neighborhood. Don't miss this opportunity to make 729 Winterside Dr your new home!

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,209

Sqft

0.17 ac

Lot size

2

Garage

2020

Year built

One

Levels

$188

Per sqft

Pets allowed

Inside

FlooringCeramic Tile · Vinyl
AppliancesDishwasher · Disposal · Gas Water Heater · Microwave · Range · Refrigerator · Water Softener
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Gas Dryer Hookup · Inside · Laundry Room
CoolingCentral Air
HeatingCentral · Natural Gas

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesEast
ParkingGarage Door Opener
ExteriorHurricane Shutters · Irrigation System · Sidewalk

Community & fees

HOA fee$395/mo
Taxes (2025)$11,753/yr
PetsYes
CommunityClubhouse · Fitness Center · Gated Community - No Guard · Golf Carts OK · Park · Playground · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Natural Gas Connected
WaterNone

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.

$4,161 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,443
FHA mortgage insurance (est.)$184
Property tax — 2025 actual bill$979
HOA fee — from the listing$395
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,525Loan30-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% · $14,525
Interest rate6.00%
Loan term

Estimated payment

$4,161/mo

Principal & interest$2,443
FHA mortgage insurance (est.)$184
Property taxes (actual bill)$979
HOA / condo fee$395
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.

List $415K
$391KedgeAI estimate $481,499 · range $408K$531K$552K

vs edgeAI estimate

−13.8%

Days on market

145 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

Map of 729 WINTERSIDE DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa32 min
Tampa Int’l Airport (TPA)45 min

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

ElementaryApollo Beach K-8 School★★★★
HighLennard High 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)

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

This home is listed 8% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $415,000 $10K
Feb 28, 2026Listed at $425,000 · 145 days on market since
2020Built · MIRABAY PARCELS 21 & 23

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 729 WINTERSIDE 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 729 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.

Goes straight to David’s phone and CRM.

Straight answers

729 WINTERSIDE DRIVE FAQs

What would the monthly payment be for 729 WINTERSIDE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,161/mo — principal and interest, the actual property-tax bill, the $395/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 729 WINTERSIDE DRIVE?+

The association fee works out to $395 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 729 WINTERSIDE DRIVE?+

The most recent tax bill on record (2025) was $11,753. 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 729 WINTERSIDE DRIVE?+

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 $415,000, this home is listed about 15% 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 729 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

Four things that matter here

01Under the APOLLO BEACH 33572 market on paper

$415,000 is 8% below the APOLLO BEACH 33572 median of $450,000, and at $188/sqft it sits under the Apollo Beach average of $266.

02Time on market is leverage

145 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.

03Strong 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.

04The price has already moved

Listed at $425,000, now $415,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of 27NORTH REALTY · Melissa Petsch. MLS #TB8481012.

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.

Never miss a listing

New Apollo Beach homes, in your inbox

Like 729 WINTERSIDE DRIVE but not quite? A daily digest of every new listing in Apollo Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 23, 2026 at 7:25 AM UTC. The listing information on this page last changed on July 23, 2026 at 7:25 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 23, 2026 at 7:25 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 23, 2026 at 7:25 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.