5909 ZAKI LANE, APOLLO BEACH, FL, 33572
Active53 days on marketListed Jun 11, 2026MLS #TB8518126
About this home
5909 ZAKI LANE
Welcome to luxury coastal living in Andalucia, a guard-gated waterfront community on the shores of Tampa Bay. Extensively updated in 2026, this impressive Mediterranean-inspired residence features fresh interior and exterior paint, two new HVAC systems, new LED interior and exterior lighting, and new ceiling fans with integrated LED lighting throughout. A third HVAC system was replaced in 2023, and the home did not experience flooding or water intrusion during the 2024 hurricanes, offering added peace of mind for coastal living. This exceptional residence offers 4 bedrooms, 4 full bathrooms, a 3-car garage, and 3,616 square feet of thoughtfully designed living space. A grand paver driveway and stately entrance create an unforgettable first impression, leading into an elegant interior featuring soaring ceilings, marble flooring, crown molding, formal living and dining rooms, and expansive windows that fill the home with natural light. The spacious kitchen is beautifully appointed with granite countertops, stainless steel appliances, abundant cabinetry, and a center island that opens seamlessly to the family room, creating the perfect setting for both everyday living and entertaining. The oversized primary suite serves as a private retreat, complete with a spa-inspired bathroom featuring an expansive dual-sink vanity with a dedicated makeup counter, a soaking tub, walk-in shower, private water closet, and generous closet space. The first floor also includes three additional bedrooms, one currently utilized as a home office, along with two full guest bathrooms. Upstairs, a large bonus room with a wet bar and full bathroom offers exceptional flexibility as a media room, game room, fitness space, home office, or private guest suite. Step outside to the screened lanai, where a sparkling pool and spa are surrounded by lush tropical landscaping, creating a tranquil setting for year-round Florida living and entertaining. Residents of Andalucia enjoy an exceptional waterfront lifestyle with private beach access, a private marina with leasable boat slips, clay tennis courts, a fishing jetty, playground, bayfront clubhouse, waterfront pool, and 24-hour manned gated security. Conveniently located just 22 miles from downtown Tampa and 27 miles from Tampa International Airport, this remarkable home offers the perfect blend of luxury, privacy, and resort-style amenities in one of Apollo Beach's most sought-after waterfront communities.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,616
Sqft
0.36 ac
Lot size
3
Garage
2003
Year built
Two
Levels
$259
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.
$7,277 /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
$7,277/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
−31.4%
$/sqft vs Apollo Beach actives
$259 vs $227
Days on market
53 vs 56 typical
Where $259/sqft sits among the 384 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
$450K → $472K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
220 of 384
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 111% 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 5909 ZAKI LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$998,000
1330 PUERTO DRIVE · same community
4 bd · 2.5 ba · 3,546 sqft · $281/sqft · 2 DOM
Sold · Apr ’26$950,000
1335 JUMANA LOOP · same community
4 bd · 3 ba · 2,806 sqft · $339/sqft · 63 DOM
Sold · Mar ’26$2,500,000
1315 JUMANA LOOP · same community
4 bd · 5.5 ba · 4,683 sqft · $534/sqft · 8 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 5909 ZAKI LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5909 ZAKI 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
5909 ZAKI LANE FAQs
What would the monthly payment be for 5909 ZAKI LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,277/mo — principal and interest, the actual property-tax bill, the $332/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 5909 ZAKI LANE?+
The association fee works out to $332 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5909 ZAKI LANE?+
The most recent tax bill on record (2025) was $16,674. 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 5909 ZAKI LANE?+
The listing reports pets: Cats OK, 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 $935,000, this home is listed about 91% 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 5909 ZAKI 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
$935,000 runs 111% above the APOLLO BEACH 33572 median — but at 3,616 sqft it's also 71% larger than the typical Apollo Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $950,000, now $935,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Cindy Greco. MLS #TB8518126.
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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