5220 BUTTERFLY SHELL DRIVE, APOLLO BEACH, FL, 33572
Active69 days on marketListed May 15, 2026MLS #TB8504620
About this home
5220 BUTTERFLY SHELL DRIVE
Immaculate, Apollo Beach 4-bedroom Home! Located in Harbor Isles Community. There are (3 bedrooms / 1 guest bedroom), the guest bedroom is currently being used as an office space. This home has a New 2022 ROOF, RENOVATED kitchen and guest bath, split floorplan, LARGE Flex room, HUGE dining room, newly tiled floors, HUGE Florida room that measures 13' x 30', interior/ exterior paint, ceiling fans throughout and conservation pond view. The renovated kitchen comes with granite counters, stainless steel appliances, and oversized island, oak table to enjoy a big family meal. As you enter the home, the flex space has limitless possibilities. You can have a formal dining or living room, or sitting area for relaxation. The split floor plan has two bedrooms, a dedicated office, guest bedroom and renovated bathroom. The other side has a primary suite with a views of the conservation, master bath, garden tub, separate shower, his & her sinks, and a walk in closet. As a resident you have access to top-notch amenities including a resort style pool, clubhouse, fitness center, playground, and walking trails. Conveniently located near dining, shopping, and Tampa Bay's beaches, this home offers inspiration for a lifetime of building memories!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,141
Sqft
0.24 ac
Lot size
2
Garage
2010
Year built
One
Levels
$187
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.
$3,202 /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
$3,202/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
+16.6%
Days on market
69 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.
This home is listed 11% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
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 5220 BUTTERFLY SHELL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5220 BUTTERFLY SHELL 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
5220 BUTTERFLY SHELL DRIVE FAQs
What would the monthly payment be for 5220 BUTTERFLY SHELL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,202/mo — principal and interest, the actual property-tax bill, the $11/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 5220 BUTTERFLY SHELL DRIVE?+
The association fee works out to $11 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5220 BUTTERFLY SHELL DRIVE?+
The most recent tax bill on record (2026) was $5,989. 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 5220 BUTTERFLY SHELL 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 $399,998, this home is listed about 18% 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 5220 BUTTERFLY SHELL DRIVE?+
Shields Middle School (middle), Lennard High School (high), Cypress Creek Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of QUICKSILVER REAL ESTATE GROUP · Shavonda Griffin. MLS #TB8504620.
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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