
7522 OXFORD GARDEN CIRCLE, APOLLO BEACH, FL, 33572
Active33 days on marketListed Jul 1, 2026MLS #TB8524521
About this home
7522 OXFORD GARDEN CIRCLE
PRICE $319,777 — APPRAISAL $340,000. This home was intentionally prepared and documented before listing to reduce uncertainty and support a more informed, transparent buying experience. -- In a transaction process where many Buyers spend weeks uncovering information after going under contract, this property was prepared in advance so Buyers can move forward with confidence: Appraisal, Home Inspection, 4-Point Inspection, Wind Mitigation Report, WDO Inspection, Pest Inspection/ Preventative Treatment, and Renovation Documentation were completed and assembled prior to listing, providing a level of transparency uncommon in today's resale market. -- Covington Park in Apollo Beach is an established community with low HOA and CDD fees, where convenience, connectivity, and coastal living come together in one of South Shore's most desirable locations. -- Ideally positioned near I-75, US-41, and US-301, residents enjoy quick access throughout the Tampa Bay area while remaining close to beaches, marinas, golf courses, parks, shopping, dining, and everyday essentials. -- Enjoy the benefits of a modern luxury home without the premium often associated with new construction. --Extensively reimagined with over $161,000 in improvements and renovations anchored by a NEW 2026 ROOF and a 2024 TRANE HVAC system that deliver comfort, efficiency, and long-term value. -- A comprehensive 2026 refresh transformed nearly every aspect of the home, from appliances and finishes to systems, fixtures, and custom design elements, delivering a turnkey ownership experience. -- The modernized exterior creates an impressive first impression, while the interior showcases a bright open-concept design enhanced by large-format tile flooring, custom ceiling beam accents, architectural feature walls, and cohesive designer finishes throughout. -- At the heart of the home, the reimagined kitchen features custom cabinetry, full-wrap stone countertops and backsplash, stainless steel appliances, and a gas range designed to support both everyday living and effortless entertaining. -- Custom features include built-in media walls with integrated fireplaces in both the primary suite and main living area, closet systems, and spa-inspired bathrooms featuring floor-to-ceiling tile and contemporary fixtures. --The secondary bedrooms and finished garage with built-in laundry and storage reflect the same level of craftsmanship and attention to detail. -- The Televisions and professionally installed Security System convey with the sale and add convenience and peace of mind. -- A rare offering for this community and one that stands apart from anything nearby. A caliber of design more often found at a higher price point and thoughtfully elevated to feel anything but builder-grade. -- The result is something you simply won't find on the surrounding market: distinctive craftsmanship and designer detail that makes it one of South Shore's most compelling values. -- Come see for yourself what sets this home apart. -- Seller may assist with closing costs and/or rate buydown, subject to contract terms and lender approval. -- To support affordability and ownership confidence, Seller will provide a one-year care package including HOA dues, Lawn Maintenance and Preventative Pest Service, and a Home Warranty. -- Property equipped with audio/video surveillance. -- Seller is a Licensed Florida Real Estate Agent. -- Listing Agent is affiliated with the Seller and holds a financial interest in the property.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,328
Sqft
0.11 ac
Lot size
1
Garage
2005
Year built
One
Levels
$241
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.
$2,511 /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
$2,511/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
+15.4%
$/sqft vs Apollo Beach actives
$241 vs $227
Days on market
33 vs 56 typical
Where $241/sqft sits among the 383 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 383
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 27% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 7522 OXFORD GARDEN CIRCLE
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$269,900
7512 OXFORD GARDEN CIRCLE · same community
3 bd · 2 ba · 1,314 sqft · $205/sqft · 9 DOM
Sold · Aug ’25$289,900
7459 OXFORD GARDEN CIRCLE · same community
3 bd · 2 ba · 1,360 sqft · $213/sqft · 117 DOM
Sold · May ’26$295,000
7457 OXFORD GARDEN CIRCLE · same community
3 bd · 2 ba · 1,224 sqft · $241/sqft · 14 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 7522 OXFORD GARDEN CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7522 OXFORD GARDEN CIRCLE — 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
7522 OXFORD GARDEN CIRCLE FAQs
What would the monthly payment be for 7522 OXFORD GARDEN CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,511/mo — principal and interest, the actual property-tax bill, the $9/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 7522 OXFORD GARDEN CIRCLE?+
The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7522 OXFORD GARDEN CIRCLE?+
The most recent tax bill on record (2025) was $3,816. 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 7522 OXFORD GARDEN CIRCLE?+
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 $319,777, this home is listed about 35% 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 7522 OXFORD GARDEN CIRCLE?+
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 CHARLES RUTENBERG REALTY INC · Brian Lucas, Pllc. MLS #TB8524521.
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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