6412 KEY ISLAND AVENUE, APOLLO BEACH, FL, 33572
Active51 days on marketListed Jun 16, 2026MLS #TB8508126
About this home
6412 KEY ISLAND AVENUE
Welcome to this exceptional two-story residence nestled within the tranquil, gated waterfront enclave of Bimini Bay in the heart of Apollo Beach. Combining natural beauty with peaceful water views, this property offers a thoughtful balance of comfort, style, and effortless functionality for daily living and refined entertaining. At the heart of the home is a fully remodeled kitchen designed with the culinary enthusiast in mind, featuring extended granite countertops, an oversized island, quality contemporary cabinetry, a large walk-in pantry, and updated appliances. The kitchen seamlessly flows into a bright living room and a casual breakfast nook, while a formal dining room and a separate family room downstairs offer versatile spaces for hosting gatherings. Upstairs, the expansive primary suite serves as a private retreat, complete with a generous walk-in closet and a versatile bonus room ideal for a nursery, home office, or private sitting area. The renovated en-suite bathroom boasts a garden tub, a walk-in shower, and a double vanity. Three additional generously sized bedrooms provide privacy and comfort, conveniently situated near the upstairs laundry room which offers excellent supplemental storage. Outdoors, an expansive extended lanai overlooks a peaceful saltwater canal, where a brick paver walkway leads to your private boat lift, providing direct, bridge-free access to the bay. Additional premium features include a fresh interior and exterior paint refresh, a spacious two-car garage with ample room for vehicles and recreational equipment, and a premium metal roof designed for modern appeal and exceptional longevity. Located within a community offering low monthly fees and no CDD fees, this location perfectly positions you to enjoy the very best of the Florida coast. This thriving community boasts close proximity to everyday conveniences, premier shopping centers, and top-rated local dining options ranging from casual cafes to acclaimed waterfront destinations like Circles Waterfront Restaurant and Apollo's Bistro. Outdoor enthusiasts will appreciate the proximity to local beaches, nature preserves, and the famous Apollo Beach Manatee Viewing Center, while the beautiful sandy shores of the Gulf Coast beaches remain easily accessible for weekend day trips. Entertainment options abound nearby, from local golf courses and marinas to regional attractions like Busch Gardens. For commuters and frequent travelers, the property provides effortless access to major regional thoroughfares including the Selmon Expressway, Interstate 75, Interstate 4, US-41, and US-301, making trips to Downtown Tampa, MacDill Air Force Base, and the cultural districts of St. Petersburg incredibly convenient. Furthermore, the residence is situated just a short drive from Tampa International Airport, ensuring seamless travel for business or pleasure. This coastal haven truly combines upscale waterfront living with ultimate metropolitan convenience. Assumable Chase mortgage at 3.625%, subject to lender approval. Approx. balance $334,000. WEIGHT CAPACITY ON THE BOAT LIFT IF 12,000 LBS
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,706
Sqft
0.11 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$285
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.
$5,265 /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
$5,265/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
+38.6%
$/sqft vs Apollo Beach actives
$285 vs $224
Days on market
51 vs 49 typical
Where $285/sqft sits among the 383 Apollo Beach actives
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
$460K → $466K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
217 of 383
Apollo Beach actives have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% 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 6412 KEY ISLAND AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$489,900
451 BAHAMA GRANDE BOULEVARD · same community
4 bd · 2.5 ba · 2,725 sqft · $180/sqft · 114 DOM
Sold · Apr ’26$625,000
443 BAHAMA GRANDE BOULEVARD · same community
3 bd · 2.5 ba · 2,579 sqft · $242/sqft · 53 DOM
Sold · Dec ’25$668,000
6404 KEY ISLAND AVENUE · same community
4 bd · 2.5 ba · 2,559 sqft · $261/sqft · 0 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 6412 KEY ISLAND AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6412 KEY ISLAND AVENUE — 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
6412 KEY ISLAND AVENUE FAQs
What would the monthly payment be for 6412 KEY ISLAND AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,265/mo — principal and interest, the actual property-tax bill, the $170/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 6412 KEY ISLAND AVENUE?+
The association fee works out to $170 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6412 KEY ISLAND AVENUE?+
The most recent tax bill on record (2025) was $5,898. 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 6412 KEY ISLAND AVENUE?+
The listing reports pets: Dogs OK, 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 $769,900, this home is listed about 57% 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 6412 KEY ISLAND AVENUE?+
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 ENGEL & VOLKERS TAMPA DOWNTOWN · Virginia Torres Bond. MLS #TB8508126.
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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