
6301 COTTONWOOD LANE, APOLLO BEACH, FL, 33572
Active51 days on marketListed Jun 15, 2026MLS #TB8519374
About this home
6301 COTTONWOOD LANE
Waterfront Living Without Compromise | 170 Feet of Seawall | Direct Tampa Bay Access If you've been searching for the ultimate Apollo Beach boating property, this is the one that checks every box....with views of St Pete from your backyard! No HOA, no CDD. Perfectly positioned on an oversized corner cul-de-sac lot on coveted Bal Harbor Island, this waterfront pool home boasts approximately 170 feet of seawall, a 48-foot long, wrap around, deep-water dock, and a 13,000-pound boat lift; providing ample space for your cabin cruiser, offshore fishing boat, sailboat, jet skis, kayaks, and all the water toys that make Florida living unforgettable. From your backyard, enjoy direct, no-bridge access to Tampa Bay in minutes. Cruise to waterfront restaurants, spend the day fishing the bay, watch dolphins and manatees play in the canal, or simply relax as the annual holiday boat parade glides past your dock. Inside, this renovated 4-bedroom, 2-bathroom pool home offers nearly 2,000 square feet of thoughtfully designed living space. A nearly complete remodel transformed the home into a modern coastal retreat, including impact windows throughout, a newer roof, HVAC system, plumbing, electrical, insulation, drywall, water heater, garage door, and more. The heart of the home is the stunning open-concept great room featuring a redesigned chef's kitchen with a large center island, abundant cabinetry, and seamless flow into the living and dining spaces. Wood-look ceramic tile flooring extends throughout the entire home, creating a cohesive, low-maintenance design with no carpet anywhere. Four pocket sliding glass doors invite the outdoors in, opening to a spacious covered lanai and screened pool enclosure surrounded by elegant travertine pavers. Whether entertaining guests or enjoying quiet evenings by the water, this home was designed to maximize its incredible waterfront setting and capture refreshing coastal breezes year-round. The expanded owner's retreat serves as a private sanctuary, complete with a spa-inspired en-suite bath featuring a zero-entry shower, private water closet, walk-in closet, and direct access to the pool and waterfront through its own pocket slider. Additional highlights include EV charging capability in the garage, a palm-lined pavered driveway, crown molding, recessed lighting, updated dock and seawall improvements, and a higher elevation than many neighboring homes, providing added peace of mind. With no HOA, no CDD fees, and a location just minutes from waterfront dining, the Apollo Beach Nature Preserve, and the Manatee Viewing Center, this is more than a home; it's a front-row seat to the Florida boating lifestyle you've been dreaming about. Waterfront dining is a local favorite, with several restaurants accessible by boat for a truly coastal experience. Healthcare options include nearby South Bay Hospital, Brandon Regional Hospital, and a wide range of medical providers throughout the South Shore area. With quick access to I-75, commuting to Tampa, Sarasota, and Orlando is easy, and Tampa International Airport is within comfortable driving distance.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,990
Sqft
0.29 ac
Lot size
2
Garage
1983
Year built
One
Levels
$440
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.
$5,785 /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
$5,785/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
+10.7%
$/sqft vs Apollo Beach actives
$440 vs $226
Days on market
51 vs 50 typical
Where $440/sqft sits among the 386 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
$460K → $466K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
218 of 386
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 95% 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 6301 COTTONWOOD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$635,000
6322 BALBOA LANE · same community
4 bd · 2 ba · 1,930 sqft · $329/sqft · 132 DOM
Sold · Nov ’25$590,000
6442 LAKE SUNRISE DRIVE · same community
3 bd · 2 ba · 2,180 sqft · $271/sqft · 110 DOM
Sold · Mar ’26$652,000
6321 BALBOA LANE · same community
4 bd · 2 ba · 2,191 sqft · $298/sqft · 78 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 6301 COTTONWOOD LANE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6301 COTTONWOOD 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
6301 COTTONWOOD LANE FAQs
What would the monthly payment be for 6301 COTTONWOOD LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,785/mo — principal and interest, the actual property-tax bill 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 6301 COTTONWOOD LANE?+
The most recent tax bill on record (2025) was $6,909. 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 6301 COTTONWOOD LANE?+
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 $875,000, this home is listed about 79% above the Apollo Beach median of $489,450. The market section on this page shows how the area is trending.
Which schools are assigned to 6301 COTTONWOOD 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
$875,000 runs 95% above the APOLLO BEACH 33572 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $975,000, now $875,000 — a $100K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Kalani Hayman. MLS #TB8519374.
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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