David Ramirez
$399,9003 bd2 ba1,750 sqft$229 /sqft$3,620 /mo all-in ↓

5318 GOLDEN ISLES DRIVE, APOLLO BEACH, FL, 33572

Active46 days on marketListed Jun 17, 2026MLS #TB8516799

Priced 10% below the APOLLO BEACH 33572 medianVillaMIRABAY PRCL 7 PH 2

About this home

5318 GOLDEN ISLES DRIVE

Welcome to your coastal paradise at 5318 Golden Isles Drive, nestled in the coveted Seacrest neighborhood of MiraBay — one of Tampa Bay’s most sought-after gated resort communities. Imagine waking each morning to the gentle Florida breeze, coffee in hand on your private screened front porch, with nothing on the agenda but deciding which resort amenity to enjoy first. That dream is daily life in this stunning, fully updated maintenance-free villa, positioned on one of Seacrest’s largest lots directly across from a serene greenspace park — yet still just a short, easy walk to the MiraBay Club and all it has to provides. This is not a “just needs a little TLC” listing. Every major system and surface has been thoughtfully upgraded with high-end finishes and quality materials. The new roof and fresh exterior paint give the home exceptional curb appeal, while inside, a new AC system, new hot water heater, whole-home water treatment system, and all-new appliances — including the washer and dryer — mean everything is done and done right. Custom lighting and ceiling fans have been installed throughout, and a beautiful paver walkway completes the picture. No deferred maintenance, no hidden surprises — just pure, carefree enjoyment from the moment you move in. The heart of this home is a showstopping chef’s kitchen that blends beauty with everyday function. All-wood custom cabinetry, premium upgraded appliances, and a dual-fuel convection oven set the stage for everything from casual weeknight dinners to holiday entertaining. A charming built-in dining booth anchors the breakfast area, while the open breakfast bar flows seamlessly into the great room — keeping the conversation going whether you’re cooking or hosting. A separate formal dining area stands ready for special occasions, making this floor plan as versatile as it is beautiful. Expansive teak porcelain tile flows throughout the open, split-bedroom floor plan, creating a light, bright, and airy coastal feel from the moment you step inside. The screened rear lanai extends your living space outdoors, giving you a peaceful spot to unwind or entertain year-round — a true hallmark of Florida living at its best. Retreat to your private master suite at the end of every day. The master bath has been completely reimagined with custom cabinetry, generous storage, dual sinks, and a luxurious walk-in shower featuring dual shower heads, built-in seating, and gorgeous designer tile. Every detail has been attended to. The guest bath has been equally transformed with quality fixtures, refined cabinetry, and sleek glass bath doors — your guests will feel right at home.Step outside your front door and into a community that most folks only experience on vacation. The MiraBay Club delivers resort-style pools with a waterslide, a 24-hour fitness center, a clubhouse, a waterfront café, tennis and pickleball courts, basketball courts, playgrounds, and miles of scenic walking and biking trails. The crown jewel is a stunning 135-acre lagoon complete with community kayaks and paddleboards — an amenity unlike anything else in the area. And because the HOA covers lawn care, landscaping, exterior pest control, irrigation, exterior painting reserves, and roof reserves, your weekends are completely and truly your own. This isn’t just a home. It’s the life you’ve been working toward. Come see it for yourself.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,750

Sqft

0.14 ac

Lot size

2

Garage

2006

Year built

One

Levels

$229

Per sqft

Park/Greenbelt & Trees/Woods viewPets allowed

Inside

FlooringPorcelain Tile · Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Filtration System
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewPark/Greenbelt · Trees/Woods
FacesSouth
ExteriorIrrigation System · Sidewalk · Sliding Doors

Community & fees

HOA fee$424/mo
Taxes (2025)$6,056/yr
PetsSize Limit, Yes
CommunityCommunity Boat Ramp · Fishing · Water Access · Waterfront · Deed Restrictions · Fitness Center · Gated Community - No Guard · Irrigation-Reclaimed Water · Park · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Available · Public · Sewer Connected · Street Lights · Water Connected
WaterPublic

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.

$3,620 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$505
HOA fee — from the listing$424
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,997Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,997
Interest rate6.00%
Loan term

Estimated payment

$3,620/mo

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$505
HOA / condo fee$424
Est. insurance$160

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.

List $400K
$301KedgeAI estimate $324,937 · range $314K$334K$416K

vs edgeAI estimate

+23.1%

$/sqft vs Apollo Beach actives

$229 vs $227

Days on market

46 vs 56 typical

Where $229/sqft sits among the 383 Apollo Beach actives

137
124 · this home
33
26
24
39
$151–208$208–265$265–322$322–378$378–435$435+

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

Map of 5318 GOLDEN ISLES DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)43 min

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

ElementaryApollo Beach K-8 School★★★★
HighLennard High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Apollo Beach market

Seller’s marketLeans buyer7.3 months of inventoryBuyer’s market

$450K$472K

Apollo Beach median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

221 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 10% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

Jun 17, 2026Listed at $399,900 · 46 days on market since
2006Built · MIRABAY PRCL 7 PH 2

Reality check

What actually sold near 5318 GOLDEN ISLES DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

215 SELA COVE CIRCLESold · Aug ’25

$363,900

215 SELA COVE CIRCLE · same community

3 bd · 2 ba · 1,750 sqft · $208/sqft · 53 DOM

5312 GOLDEN ISLES DRIVESold · Dec ’25

$332,000

5312 GOLDEN ISLES DRIVE · same community

3 bd · 2 ba · 1,750 sqft · $190/sqft · 124 DOM

5702 TIDES PLACESold · Jun ’26

$429,000

5702 TIDES PLACE · same community

3 bd · 2 ba · 1,750 sqft · $245/sqft · 18 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5318 GOLDEN ISLES DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5318 GOLDEN ISLES 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.

Goes straight to David’s phone and CRM.

Straight answers

5318 GOLDEN ISLES DRIVE FAQs

What would the monthly payment be for 5318 GOLDEN ISLES DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,620/mo — principal and interest, the actual property-tax bill, the $424/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 5318 GOLDEN ISLES DRIVE?+

The association fee works out to $424 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5318 GOLDEN ISLES DRIVE?+

The most recent tax bill on record (2025) was $6,056. 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 5318 GOLDEN ISLES DRIVE?+

The listing reports pets: Size Limit, 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 $399,900, 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 5318 GOLDEN ISLES 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

Three things that matter here

01Under the APOLLO BEACH 33572 market on paper

$399,900 is 10% below the APOLLO BEACH 33572 median of $442,450, and at $229/sqft it sits under the Apollo Beach average of $266.

02Park/Greenbelt & Trees/Woods views

The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.

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.

Listing courtesy of THE ROBERTSON RLTY ESTATE GROU · Susan Robertson. MLS #TB8516799.

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.

Never miss a listing

New Apollo Beach homes, in your inbox

Like 5318 GOLDEN ISLES DRIVE but not quite? A daily digest of every new listing in Apollo Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 2, 2026 at 11:16 PM UTC. The listing information on this page last changed on August 2, 2026 at 11:16 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 2, 2026 at 11:16 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 2, 2026 at 11:16 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.