5495 SUMMER SUNSET DRIVE, APOLLO BEACH, FL, 33572
Active28 days on marketListed Jun 25, 2026MLS #TB8523150
About this home
5495 SUMMER SUNSET DRIVE
Welcome to Waterset, one of Apollo Beach's most sought-after communities where resort-style living meets everyday convenience. This stunning 5-bedroom, 3-bathroom Indigo floor plan checks every box for growing families and anyone who loves to entertain. Built in 2023 and offering 2,470 sq ft of modern living space, you're greeted by an impressive foyer with soaring ceilings that immediately sets the tone for the rest of the home. The open-concept main floor flows effortlessly from the foyer into the living, dining, and kitchen areas featuring quartz countertops, stainless steel appliances, luxury vinyl flooring throughout, and a smart thermostat for energy-efficient living. A tucked-away guest suite with a full bathroom on the main floor adds the perfect touch of privacy for visitors. Upstairs you'll find a generously sized loft, ideal for a playroom, home office, or movie nights, along with three spacious secondary bedrooms and a full bathroom. The owner's suite is a true retreat, complete with a walk-in shower, double vanities, and a large walk-in closet. A laundry room with washer and dryer included sits conveniently nearby. Step outside to one of the most uniquely positioned lots in the community a quarter-acre pie-shaped corner lot that delivers something most homes simply can't offer. The shape of the lot creates significant space between you and your neighbors on both sides, giving you a level of privacy and breathing room that a standard rectangle lot just doesn't provide. Out back you have no rear neighbors, just a peaceful open green space, a blank canvas ready for the outdoor retreat you've always envisioned. And because the home sits on a small private loop, through traffic is virtually nonexistent. Only residents who live on the street have any reason to be there, making it a quiet and tucked-away feel while still being minutes from everything Waterset has to offer. All of this inside a community that truly has it all, four pools, basketball, volleyball, pickleball, tennis, a dog park, walking trails, and playgrounds, with easy highway access making the entire Tampa Bay area within reach. This one won't last — schedule your private showing today.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,506
Sqft
0.26 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$180
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.
$3,932 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,932/mo
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.
vs edgeAI estimate
−4.2%
$/sqft vs Apollo Beach actives
$180 vs $227
Days on market
28 vs 56 typical
Where $180/sqft sits among the 395 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 Waterset
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apollo Beach. See the full Apollo Beach guide →
Waterset — neighborhood snapshot
Population
6,572
Median age
36
Median income
$121,993
Median home value
$425,364
Avg household
3
Households w/ children
975
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)
222 of 395
Apollo Beach actives have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 5495 SUMMER SUNSET DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$445,000
6066 GOLDEN NETTLE DRIVE · same community
4 bd · 2.5 ba · 2,523 sqft · $176/sqft · 11 DOM
Sold · Dec ’25$548,000
5538 SUMMER SUNSET DRIVE · same community
5 bd · 3 ba · 2,471 sqft · $222/sqft · 26 DOM
Sold · Jun ’26$550,000
6169 GOLDEN NETTLE DRIVE · same community
4 bd · 2.5 ba · 2,810 sqft · $196/sqft · 47 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 5495 SUMMER SUNSET DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5495 SUMMER SUNSET 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
5495 SUMMER SUNSET DRIVE FAQs
What would the monthly payment be for 5495 SUMMER SUNSET DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,932/mo — principal and interest, the actual property-tax bill, the $13/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 5495 SUMMER SUNSET DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5495 SUMMER SUNSET DRIVE?+
The most recent tax bill on record (2025) was $10,928. 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 5495 SUMMER SUNSET DRIVE?+
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 $450,000, this home is listed about 8% 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 5495 SUMMER SUNSET DRIVE?+
Lennard High School (high), Doby Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Mario Banales. MLS #TB8523150.
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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