1019 SPINDLE PALM WAY, APOLLO BEACH, FL, 33572
Active45 days on marketListed Jun 8, 2026MLS #TB8514547
About this home
1019 SPINDLE PALM WAY
**Bonus for VA Buyers: Take advantage of an assumable VA loan with an ultra-low 2.375 interest rate!** Welcome to your dream waterfront oasis in Apollo Beach! This beautifully updated 3-bedroom, 2-bathroom pool home offers direct, bridge-free access to Tampa Bay from a deep-water canal. Perfect for boaters, the property features a concrete seawall and a 10x10 dock equipped with a 13,000-lb boat lift. Inside, the stunning luxury gourmet kitchen elevates your daily living experience with an open layout and premium stone countertops. The entire home features gorgeous porcelain tile flooring and updated bathrooms. Enjoy ultimate peace of mind with major 2021 capital upgrades, featuring a new roof, exterior stucco, and a 2025 pristine screened-in pool. The outdoor space is an entertainer's paradise, boasting a 3-lane paver driveway, a 10x10 fire pit pad, a storage shed on concrete, and lush St. Augustine grass. NO HOA and NO CDD restrictions! Located just minutes from local marinas, waterfront dining, shopping, and nature preserves. Schedule your private tour today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,590
Sqft
0.21 ac
Lot size
2
Garage
1973
Year built
One
Levels
$456
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.
$4,344 /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
$5,009/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+14.6%
Days on market
45 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 61% above 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 1019 SPINDLE PALM WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1019 SPINDLE PALM WAY — 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
1019 SPINDLE PALM WAY FAQs
What would the monthly payment be for 1019 SPINDLE PALM WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,344/mo — principal and interest, estimated property taxes 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 1019 SPINDLE PALM WAY?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Apollo Beach?+
At $725,000, this home is listed about 48% 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 1019 SPINDLE PALM WAY?+
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 BROOKS REALTY GROUP LLC · Jeremy Simmons. MLS #TB8514547.
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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