David Ramirez
$875,000$975,0004 bd2 ba1,990 sqft$440 /sqft$5,785 /mo all-in ↓

6301 COTTONWOOD LANE, APOLLO BEACH, FL, 33572

Active51 days on marketListed Jun 15, 2026MLS #TB8519374

Reduced $100KWaterfrontPrivate poolSingle Family ResidenceAPOLLO BEACH UNIT 13 PT 1 RE

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

Private poolWaterfrontPets allowed

Inside

FlooringCeramic Tile
AppliancesCooktop · Dishwasher · Disposal · Microwave · Range · Refrigerator · Wine Refrigerator
InteriorCeiling Fan(s) · Open Floorplan · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryOther
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorthwest
ParkingDriveway · Garage Door Opener
ExteriorOther

Community & fees

Taxes (2025)$6,909/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

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%

Principal & interest$4,721
PMI (est., until 20% equity)$328
Property tax — 2025 actual bill$576
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $87,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $87,500
Interest rate6.00%
Loan term

Estimated payment

$5,785/mo

Principal & interest$4,721
PMI (est., until 20% equity)$328
Property taxes (actual bill)$576
Est. insurance$160

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.

List $875K
$717KedgeAI estimate $790,430 · range $747K$849K$910K

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

142
124
33
26
23
38 · this home
$153–209$209–265$265–321$321–377$377–432$432+

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

Map of 6301 COTTONWOOD LANE

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)44 min

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

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 marketBalanced5.1 months of inventoryBuyer’s 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

CurrentPrice reduced to $875,000 $100K
Jun 15, 2026Listed at $975,000 · 51 days on market since
1983Built · APOLLO BEACH UNIT 13 PT 1 RE

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.

6322 BALBOA LANESold · Mar ’26

$635,000

6322 BALBOA LANE · same community

4 bd · 2 ba · 1,930 sqft · $329/sqft · 132 DOM

6442 LAKE SUNRISE DRIVESold · Nov ’25

$590,000

6442 LAKE SUNRISE DRIVE · same community

3 bd · 2 ba · 2,180 sqft · $271/sqft · 110 DOM

6321 BALBOA LANESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6301 COTTONWOOD LANE — start here.

Andrew Acosta

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

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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.

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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