554 ESTUARY SHORE LANE, APOLLO BEACH, FL, 33572
Active89 days on marketListed May 5, 2026MLS #TB8504347
About this home
554 ESTUARY SHORE LANE
Least Expensive Waterfront Lot in Apollo Beach with un-restricted access to Tampa Bay!
Facts & features
The home at a glance
0.13 ac
Lot size
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.
$3,009 /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
$3,009/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.
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.
This home is listed 40% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 554 ESTUARY SHORE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,399,000
548 ESTUARY SHORE LANE · same community
4 bd · 2.5 ba · 3,322 sqft · $421/sqft · 784 DOM
Sold · Jan ’26$299,999
5438 SUNSET FALLS DRIVE
2 bd · 2 ba · 1,393 sqft · $215/sqft · 0 DOM
Sold · Aug ’25$245,000
124 SHELL FALLS DRIVE
2 bd · 2 ba · 1,393 sqft · $176/sqft · 1 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 554 ESTUARY SHORE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 554 ESTUARY SHORE LANE — 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
554 ESTUARY SHORE LANE FAQs
What would the monthly payment be for 554 ESTUARY SHORE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,009/mo — principal and interest, the actual property-tax bill, the $1,000/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 554 ESTUARY SHORE LANE?+
The association fee works out to $1,000 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 554 ESTUARY SHORE LANE?+
The most recent tax bill on record (2025) was $2,060. 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 554 ESTUARY SHORE LANE?+
The listing reports pets: Breed Restrictions, 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 $265,000, this home is listed about 46% 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 554 ESTUARY SHORE LANE?+
Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SCHMIDT REAL ESTATE, INC. · Aaron Schmidt. MLS #TB8504347.
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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