
435 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572
Active115 days on marketListed Mar 31, 2026MLS #TB8491956
About this home
435 ISLEBAY DRIVE
Virtually Staged. Welcome to your slice of paradise in the highly sought-after Waterfront, Resort-Style community of MiraBay! This impressive 4-bedroom, 3.5-bath waterfront pool home offers 3,283 square feet of thoughtfully designed living space where comfort, style, and the Florida lifestyle come together beautifully. From the moment you step inside, you’ll feel right at home. The spacious floor plan features both a dining room and a breakfast nook area, perfect for everything from holiday gatherings to casual dinners. A dedicated office provides a quiet work-from-home space, while the upstairs loft with a built-in desk adds even more flexibility for work, study, or hobbies. The fourth bedroom can easily serve as a TV room, game room, or flex space—ideal for entertaining or relaxing evenings in. The first-floor primary suite is a true retreat, complete with its own private door leading directly to the pool area—perfect for enjoying peaceful mornings or unwinding at sunset. The en-suite bathroom features a luxurious jacuzzi-style soaking tub, a separate walk-in shower, and a custom closet system, along with ample storage. Throughout the home, you’ll find generous closet space and tile and bamboo flooring for a clean, modern look with easy maintenance. Step outside and experience your private backyard oasis. The screened-in pool enclosure features a sparkling in-ground pool, a covered lanai for shaded relaxation, and tranquil waterfront views. The convenient half bath includes direct access to the pool area, making outdoor living even more functional. Just outside the enclosure, a side patio offers additional space for grilling, sunbathing, or gathering with friends. This home has a RESTRICTED dock, that only a certain size of boats is allowed/ will fit. This home is not only beautiful but also packed with valuable upgrades, including a new roof (2022), new AC (2023), and fully paid-off solar panels installed in 2024 for energy efficiency and long-term savings. Additional features include a whole-home generator, water softener, reverse osmosis system in the kitchen, and washer and dryer included for added convenience. If you’ve been dreaming of moving into paradise, this is the one you’ve been waiting for. This is truly a family-friendly community with lots to do, every day. As a resident of this gated resort-style coastal community, you will feel like you are on vacation every day. This home is located in the Beautiful waterfront, resort-style community of MiraBay!!!! This resort-style community has a community clubhouse, heated-resort-style Olympic swimming pool, 136 ft water slide, parks, 3 playgrounds, gym, cafe with a full liquor license, basketball courts, tennis courts, fitness center, 135-acre lagoon where you can rent kayaks and paddle away, and much, much more. You will feel like you’re living in a 5-star resort! This community has it all. This home is centrally located and convenient to Tampa, Orlando, Bradenton, Sarasota, and St. Petersburg where you can experience the best Florida beaches, shopping, and entertainment. The Florida lifestyle you've been dreaming of awaits you. Paradise awaits! Call today for your private showing. This property is being sold as-is as part of an estate sale. All information is deemed reliable but not guaranteed. Buyers are encouraged to conduct their own due diligence and independent inspections prior to closing. Equal Housing Opportunity.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,283
Sqft
0.31 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$249
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.
$6,190 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,190/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−26.9%
$/sqft vs MIRABAY PH 1B-1/2A-1/3B-1
$249 vs $428
Days on market
115 vs 56 typical
Where $249/sqft sits among the 6 homes for sale in MIRABAY PH 1B-1/2A-1/3B-1
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)
4 of 6
MIRABAY PH 1B-1/2A-1/3B-1 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 81% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 435 ISLEBAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$865,000
528 ISLEBAY DRIVE · same community
5 bd · 4 ba · 3,304 sqft · $262/sqft · 69 DOM
Sold · Nov ’25$525,000
405 ISLEBAY DRIVE · same community
5 bd · 3.5 ba · 3,351 sqft · $157/sqft · 118 DOM
Sold · May ’26$902,500
5517 MERRITT ISLAND DRIVE · same community
5 bd · 3 ba · 3,172 sqft · $285/sqft · 71 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 435 ISLEBAY DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 435 ISLEBAY 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
435 ISLEBAY DRIVE FAQs
What would the monthly payment be for 435 ISLEBAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,190/mo — principal and interest, the actual property-tax bill, the $16/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 435 ISLEBAY DRIVE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 435 ISLEBAY DRIVE?+
The most recent tax bill on record (2025) was $15,659. 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 435 ISLEBAY DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $815,999, this home is listed about 67% above the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 435 ISLEBAY 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
Five things that matter here
01Positioned at the premium end
$815,999 runs 81% above the APOLLO BEACH 33572 median — but at 3,283 sqft it's also 55% larger than the typical Apollo Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
115 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $999,999, now $815,999 — a $184K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Christine Nargi. MLS #TB8491956.
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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