6322 COTTONWOOD LANE, APOLLO BEACH, FL, 33572
Active83 days on marketListed May 14, 2026MLS #TB8508945
About this home
6322 COTTONWOOD LANE
Experience the pinnacle of Florida coastal living in this professionally interior-designed, turnkey masterpiece. Located on a premier deep-water canal with direct access to Tampa Bay, offering the ultimate sanctuary for boaters and luxury seekers alike. Step into your backyard oasis, where the wide, deep-water canal accommodates larger vessels with ease. The property features a newer boatlift, ensuring your craft is ready for sunset cruises at a moment's notice. After a day on the water, retreat to the sparkling screened-in pool, complete with newer pool equipment and a dedicated heater for year-round enjoyment. Inside, no detail has been overlooked. This home has been curated by a professional designer to balance modern elegance with coastal comfort. The heart of the home is the stunning new kitchen, boasting high-end finishes, sleek cabinetry, and premium appliances. Major systems have been updated for total peace of mind, including a newer AC system, allowing you to enjoy the Florida sunshine without the worry of maintenance. Truly Turnkey This property is offered fully furnished, including a fully stocked kitchen. From the designer furniture to the essential cookware, every element has been hand-selected to provide a seamless move-in experience.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,795
Sqft
0.18 ac
Lot size
2
Garage
1979
Year built
One
Levels
$446
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 — not generic estimates.
$5,559 /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
$5,559/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
+11.8%
$/sqft vs Apollo Beach actives
$446 vs $226
Days on market
83 vs 50 typical
Where $446/sqft sits among the 386 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)
218 of 386
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 79% 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 6322 COTTONWOOD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$635,000
6322 BALBOA LANE · same community
4 bd · 2 ba · 1,930 sqft · $329/sqft · 132 DOM
Sold · Jul ’26$750,000
6307 COTTONWOOD LANE · same community
3 bd · 2 ba · 1,636 sqft · $458/sqft · 143 DOM
Sold · Sep ’25$800,000
6408 LAKE SUNRISE DRIVE · same community
3 bd · 2 ba · 1,592 sqft · $503/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 6322 COTTONWOOD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6322 COTTONWOOD 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
6322 COTTONWOOD LANE FAQs
What would the monthly payment be for 6322 COTTONWOOD LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,559/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 6322 COTTONWOOD LANE?+
The most recent tax bill on record (2025) was $9,393. 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 6322 COTTONWOOD LANE?+
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 $799,900, this home is listed about 63% above the Apollo Beach median of $489,900. The market section on this page shows how the area is trending.
Which schools are assigned to 6322 COTTONWOOD LANE?+
Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$799,900 runs 79% above the APOLLO BEACH 33572 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $815,000, now $799,900 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CIGAR CITY REALTY LLC · Albert Leon Jr. MLS #TB8508945.
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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