432 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572
Active35 days on marketListed Jun 19, 2026MLS #TB8519093
About this home
432 ISLEBAY DRIVE
Live the waterfront lifestyle you've been dreaming of in this move in ready, Key West styled home with WATER ACCESS and a PRIVATE full-sized pool in the highly sought-after Mira Bay community. The home features a private dock with a 10,000-pound boat lift, with water and electrical access. The canal offers unrestricted access to Tampa Bay with no fixed bridges, making it ideal for boating enthusiasts and providing easy access to world-class fishing, cruising, waterfront dining, and Gulf waters. The east-facing front entrance welcomes you with a charming porch swing, while the covered lanai and private saltwater pool create the perfect setting for relaxation and entertaining at the back. Enjoy peaceful canal views and beautiful sunsets from the lanai, where Florida’s coastal lifestyle truly comes to life all with direct access from the first-floor primary bedroom making your tropical retreat perfect. Thoughtful updates throughout the home enhance both style and functionality with fresh paint and no carpet in the home. In 2024, the upstairs bathroom underwent a complete remodel, replacing the tub with a spacious shower. The primary bathroom was updated with a frameless glass shower and new flooring. Elegant 2' x 4' porcelain tile flooring was installed in the foyer, kitchen, and powder room. Additional improvements include a new roof (2022), a new upstairs A/C system (2023), HydroShield laminate flooring in the upstairs bedrooms, and fresh interior paint in versatile neutral tones. The attached 2-car garage provides ample space for vehicles, storage, and all your boating and beach gear. As a resident of MiraBay, you'll enjoy an exceptional HOA amenity package, including a waterfront clubhouse and café, resort-style pool, complimentary use of kayaks, canoes, and paddleboards, a 24-hour fitness center, pickleball and tennis courts, basketball courts, multiple playgrounds, and a variety of community activities throughout the year. Whether you're heading out on the boat, enjoying sunsets from the lanai, or spending the day by the pool, this exceptional waterfront home offers the very best of Florida coastal living.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,803
Sqft
0.15 ac
Lot size
2
Garage
2003
Year built
Two
Levels
$353
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.
$6,901 /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
$6,901/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
−10.6%
$/sqft vs MIRABAY PH 1B-1/2A-1/3B-1
$353 vs $428
Days on market
35 vs 56 typical
Where $353/sqft sits among the 6 homes for sale in MIRABAY PH 1B-1/2A-1/3B-1
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)
5 of 6
MIRABAY PH 1B-1/2A-1/3B-1 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 120% 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 432 ISLEBAY 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$880,000
428 ISLEBAY DRIVE · same community
4 bd · 2.5 ba · 2,769 sqft · $318/sqft · 130 DOM
Sold · Aug ’25$925,000
422 ISLEBAY DRIVE · same community
4 bd · 2.5 ba · 2,654 sqft · $349/sqft · 93 DOM
Sold · Dec ’25$1,200,000
424 ISLEBAY DRIVE · same community
4 bd · 3.5 ba · 3,014 sqft · $398/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 432 ISLEBAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 432 ISLEBAY 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
432 ISLEBAY DRIVE FAQs
What would the monthly payment be for 432 ISLEBAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,901/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 432 ISLEBAY 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 432 ISLEBAY DRIVE?+
The most recent tax bill on record (2025) was $12,211. 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 432 ISLEBAY DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $989,000, this home is listed about 102% 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 432 ISLEBAY 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
01Positioned at the premium end
$989,000 runs 120% above the APOLLO BEACH 33572 median — but at 2,803 sqft it's also 33% larger than 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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA CAPITAL REALTY · Falguni Shah. MLS #TB8519093.
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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