David Ramirez
$815,999$999,9994 bd3.5 ba3,283 sqft$249 /sqft$6,190 /mo all-in ↓

435 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572

Active115 days on marketListed Mar 31, 2026MLS #TB8491956

Reduced $184KWaterfrontPrivate poolSingle Family ResidenceMIRABAY PH 1B-1/2A-1/3B-1

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

Private poolWaterfrontFireplaceWater viewNegotiable

Inside

FlooringBamboo · Ceramic Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Kitchen Reverse Osmosis System · Microwave · Refrigerator · Washer · Water Softener
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · High Ceilings · 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 · Washer Hookup
CoolingCentral Air
HeatingElectric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · HardiPlank Type · Wood Frame
FoundationSlab
ViewWater
FacesSoutheast
ParkingCurb Parking · Driveway · Garage Door Opener · Ground Level · Open
ExteriorFrench Doors · Irrigation System · Lighting · Private Mailbox · Private Yard · Sidewalk

Community & fees

HOA fee$16/mo
Taxes (2025)$15,659/yr
PetsCats OK, Dogs OK
CommunityCommunity Boat Ramp · Dock · Fishing · Water Access · Waterfront · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks · Special Community Restrictions · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Available · Electricity Connected · Fiber Optics · Fire Hydrant · Natural Gas Available · Natural Gas Connected · Public · Sewer Available · Sewer Connected · Solar · Street Lights · Underground Utilities · Water Available · Water Connected
WaterPublic

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%

Principal & interest$4,403
PMI (est., until 20% equity)$306
Property tax — 2025 actual bill$1,305
HOA fee — from the listing$16
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $81,600Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $81,600
Interest rate6.00%
Loan term

Estimated payment

$6,190/mo

Principal & interest$4,403
PMI (est., until 20% equity)$306
Property taxes (actual bill)$1,305
HOA / condo fee$16
Est. insurance$160

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.

List $816K
$783KedgeAI estimate $1,116,761 · range $1.0M$1.3M$1.3M

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

0 · this home
1
2
0
2
1
$249–291$291–333$333–376$376–418$418–460$460+

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 435 ISLEBAY DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa30 min
Tampa Int’l Airport (TPA)43 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)

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

CurrentPrice reduced to $815,999 $184K
Mar 31, 2026Listed at $999,999 · 115 days on market since
2005Built · MIRABAY PH 1B-1/2A-1/3B-1

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.

528 ISLEBAY DRIVESold · Jun ’26

$865,000

528 ISLEBAY DRIVE · same community

5 bd · 4 ba · 3,304 sqft · $262/sqft · 69 DOM

405 ISLEBAY DRIVESold · Nov ’25

$525,000

405 ISLEBAY DRIVE · same community

5 bd · 3.5 ba · 3,351 sqft · $157/sqft · 118 DOM

5517 MERRITT ISLAND DRIVESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 435 ISLEBAY 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 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.

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.

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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