David Ramirez
$319,777$349,7773 bd2 ba1,328 sqft$241 /sqft$2,511 /mo all-in ↓

7522 OXFORD GARDEN CIRCLE, APOLLO BEACH, FL, 33572

Active33 days on marketListed Jul 1, 2026MLS #TB8524521

Priced 27% below the APOLLO BEACH 33572 medianReduced $30KSingle Family ResidenceCOVINGTON PARK PH 4A

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

FireplacePets allowed

Inside

FlooringConcrete · Epoxy · Porcelain Tile · Tile
AppliancesDishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Open Floorplan · Other · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryGas Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Lighting · Other · Private Entrance · Private Mailbox · Private Yard · Sidewalk · Sliding Doors

Community & fees

HOA fee$9/mo
Taxes (2025)$3,816/yr
PetsYes
CommunityClubhouse · Deed Restrictions · Dog Park · Park · Playground · Pool · Sidewalks · Special Community Restrictions · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Fiber Optics · Natural Gas Connected · Phone Available · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterNone

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%

Principal & interest$1,883
FHA mortgage insurance (est.)$141
Property tax — 2025 actual bill$318
HOA fee — from the listing$9
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,192Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,192
Interest rate6.00%
Loan term

Estimated payment

$2,511/mo

Principal & interest$1,883
FHA mortgage insurance (est.)$141
Property taxes (actual bill)$318
HOA / condo fee$9
Est. insurance$160

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.

List $320K
$255KedgeAI estimate $277,040 · range $266K$282K$333K

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

136
125 · this home
33
26
24
39
$151–208$208–265$265–322$322–378$378–435$435+

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 7522 OXFORD GARDEN CIRCLE

Drive times from this address

Downtown Tampa23 min
Tampa Int’l Airport (TPA)36 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 marketLeans buyer7.3 months of inventoryBuyer’s 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

CurrentPrice reduced to $319,777 $30K
Jul 1, 2026Listed at $349,777 · 33 days on market since
2005Built · COVINGTON PARK PH 4A

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.

7512 OXFORD GARDEN CIRCLESold · Apr ’26

$269,900

7512 OXFORD GARDEN CIRCLE · same community

3 bd · 2 ba · 1,314 sqft · $205/sqft · 9 DOM

7459 OXFORD GARDEN CIRCLESold · Aug ’25

$289,900

7459 OXFORD GARDEN CIRCLE · same community

3 bd · 2 ba · 1,360 sqft · $213/sqft · 117 DOM

7457 OXFORD GARDEN CIRCLESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 7522 OXFORD GARDEN CIRCLE — start here.

Andrew Acosta

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.

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.

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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7522 OXFORD GARDEN CIRCLE, APOLLO BEACH, FL — 3 Bed, 2 Bath — $319,777 | CENTURY 21 Edge