824 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572
Active14 days on marketListed Jul 10, 2026MLS #TB8526655
About this home
824 ISLEBAY DRIVE
824 Islebay Drive | MiraBay | Apollo Beach 4 Bedrooms | 4 Bathrooms | 3,848 Sq Ft | 3-Car Garage | Pool Luxury living meets modern efficiency in this beautifully updated home located in the sought-after waterfront community of MiraBay. Thoughtfully enhanced with over $130,000 in recent upgrades, this spacious 4-bedroom, 4-bath residence offers the perfect combination of elegant living spaces, high-end improvements, and exceptional energy savings. From the moment you arrive, you'll appreciate the home's fresh curb appeal, highlighted by a brand-new roof (2024) and freshly painted interior (2026). Inside, nearly 3,850 square feet of thoughtfully designed living space features soaring ceilings, abundant natural light, hardwood flooring throughout the stairs and second-floor living areas, and new carpet in all bedrooms for a fresh, move-in-ready feel. The heart of the home is the beautifully appointed kitchen, complete with all-new appliances (2026), generous cabinetry, and an open layout that flows effortlessly into the main living and dining areas, making it ideal for both everyday living and entertaining. The flexible floor plan offers spacious bedrooms, multiple gathering spaces, and a private bonus room enhanced with newly added French doors, creating the perfect media room, game room, home office, or guest retreat. Step outside to your own backyard oasis, where a sparkling pool and newly installed Hayward heat pump allow for year-round enjoyment. Whether hosting family and friends or relaxing after a long day, the outdoor living space is designed for the Florida lifestyle. Beyond its beauty, this home delivers exceptional value with major system updates already completed. A fully paid-off 18.4 kW rooftop solar system, paired with a 14 kWh whole-home backup battery and Lumin Smart Energy Management System, provides impressive energy efficiency, lower utility costs, and peace of mind during power outages. Additional upgrades include dual HVAC systems replaced in 2023 and an EV charging station for added convenience. As a resident of MiraBay, you'll enjoy resort-style amenities including a waterfront clubhouse and café, resort pool, 24 hour fitness center, tennis and pickleball courts, parks, walking trails, playgrounds, and year-round community events. With luxury finishes, extensive recent improvements, outstanding energy efficiency, and an unbeatable location within one of Apollo Beach's premier communities, 824 Islebay Drive offers an exceptional opportunity to enjoy the very best of Florida living.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,848
Sqft
0.25 ac
Lot size
3
Garage
2005
Year built
Two
Levels
$214
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.
$6,403 /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
$6,403/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
−40.4%
$/sqft vs MIRABAY PH 3B-2
$214 vs $357
Days on market
14 vs 56 typical
Where $214/sqft sits among the 7 homes for sale in MIRABAY PH 3B-2
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 Mirabay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apollo Beach. See the full Apollo Beach guide →
Mirabay — neighborhood snapshot
Population
2,133
Median age
56
Median income
$98,381
Median home value
$406,778
Avg household
2
Households w/ children
218
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)
5 of 7
MIRABAY PH 3B-2 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 83% 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 824 ISLEBAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$980,000
710 ISLEBAY DRIVE · same community
5 bd · 4 ba · 3,779 sqft · $259/sqft · 256 DOM
Sold · Aug ’25$960,000
5710 TORTOISE PLACE · same community
3 bd · 3 ba · 3,171 sqft · $303/sqft · 20 DOM
Sold · May ’26$1,032,000
5711 TORTOISE PLACE · same community
4 bd · 3.5 ba · 2,948 sqft · $350/sqft · 172 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 824 ISLEBAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 824 ISLEBAY 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
824 ISLEBAY DRIVE FAQs
What would the monthly payment be for 824 ISLEBAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,403/mo — principal and interest, the actual property-tax bill, the $16/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 824 ISLEBAY DRIVE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 824 ISLEBAY DRIVE?+
The most recent tax bill on record (2025) was $17,591. 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 824 ISLEBAY DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $825,000, this home is listed about 68% above the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 824 ISLEBAY DRIVE?+
Apollo Beach K-8 School (elementary), Lennard High School (high), 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
$825,000 runs 83% above the APOLLO BEACH 33572 median — but at 3,848 sqft it's also nearly twice the size of the typical Apollo Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Apollo Beach K-8 School, Lennard High School, Patricia Sullivan Metropolitan Ministries Partnership School — Apollo Beach K-8 School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8526655.
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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