823 MANNS HARBOR DRIVE, APOLLO BEACH, FL, 33572
Active51 days on marketListed Jun 4, 2026MLS #TB8515336
About this home
823 MANNS HARBOR DRIVE
SIGNIFICANT PRICE IMPROVEMENT | Experience the difference at Mirabay’s newest and final gated enclave, Bay Estates Preserve. Live where the streets feel wider, the properties are larger and waterfront views are extraordinary. Offering the largest of floor plans available in Bay Estates Preserve, this impressive waterfront residence offers striking elegant coastal architecture revealing expansive proportions, refined symmetry, neutral tones, stonework and a tile roof, while providing exceptional outdoor living directly on one of the community's widest canal basins and with direct access to Tampa Bay and the Gulf. Positioned on a .46-acre homesite with expansive manicured lawns, this residence is designed to embrace Florida's indoor-outdoor lifestyle. Indoors you will find high ceilings, gracious rooms, a modern esthetic and smart home technology throughout. The open great room and well-appointed kitchen make graceful entertaining easy. A downstairs primary bedroom and a downstairs guest en-suite make this home an ideal fit for all. Entertain a group or watch sports in the large upstairs home theatre or large common area with wet bar and water view balcony. Out of doors, you will enjoy a heated, saltwater pool and spa. The spectacular panoramic pool enclosure maximizes uninterrupted views and some of the longest water views on the protected lagoon. An enormous pool deck and outdoor kitchen offer so many options. Think lawn parties and outdoor games. A wind down by the fire pit is the ideal end to a good day. Three-car garage with EV charger. Golf cart friendly. Underground utilities. On-site dockage approved. Lock system to Bay. Mirabay community offers resort-style amenities including clubhouse, heated pools, dining, fitness facilities, tennis, pickleball and community events. Enjoy luxury waterfront living in this select offering.
Facts & features
The home at a glance
6
Bedrooms
6
Bathrooms
5,863
Sqft
0.46 ac
Lot size
3
Garage
2021
Year built
Two
Levels
$408
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.
$17,110 /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
$17,110/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.
$/sqft vs Apollo Beach actives
$408 vs $227
Days on market
51 vs 56 typical
Where $408/sqft sits among the 393 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 Mirabay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apollo Beach. See the full Apollo Beach guide →
Mirabay — neighborhood snapshot
Population
2,133
Median age
56
Median income
$98,381
Median home value
$406,778
Avg household
2
Households w/ children
218
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)
223 of 393
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 431% 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 823 MANNS HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$1,675,000
978 SIGNET DRIVE · same community
6 bd · 6 ba · 5,357 sqft · $313/sqft · 15 DOM
Sold · Aug ’25$1,245,000
5321 FISHERSOUND LANE · same community
4 bd · 3.5 ba · 4,123 sqft · $302/sqft · 144 DOM
Sold · May ’26$935,000
910 SIGNET · same community
4 bd · 3.5 ba · 3,239 sqft · $289/sqft · 265 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 823 MANNS HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 823 MANNS HARBOR 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
823 MANNS HARBOR DRIVE FAQs
What would the monthly payment be for 823 MANNS HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $17,110/mo — principal and interest, the actual property-tax bill, the $16/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 823 MANNS HARBOR DRIVE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 823 MANNS HARBOR DRIVE?+
The most recent tax bill on record (2025) was $37,700. 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 823 MANNS HARBOR 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 $2,390,000, this home is listed about 388% 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 823 MANNS HARBOR DRIVE?+
Apollo Beach K-8 School (elementary), Lennard High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$2,390,000 runs 431% above the APOLLO BEACH 33572 median — but at 5,863 sqft it's also nearly 3 times the size of the typical Apollo Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Apollo Beach K-8 School, Lennard High School, Patricia Sullivan Metropolitan Ministries Partnership School — Apollo Beach K-8 School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $2,972,000, now $2,390,000 — a $582K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INTL REALTY · Mary Renfroe. MLS #TB8515336.
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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