David Ramirez
$2,500,0004 bd4 ba4,159 sqft$601 /sqft$15,921 /mo all-in ↓

903 CAPRICCIO LANE, APOLLO BEACH, FL, 33572

Active6 days on marketListed Jul 17, 2026MLS #TB8528668

WaterfrontPrivate poolSingle Family ResidenceSYMPHONY ISLES UNIT TWO

About this home

903 CAPRICCIO LANE

Welcome to one of the most exceptional homes in Apollo Beach / This rare opportunity in Symphony Isles - a Premier gated community - where you will find unequalled quality throughout - not only the location and the views, but the quality of craftmanship of the home itself / Fabulous views of Tampa Bay and daily sunsets from the main rooms / Concrete/steel reinforced masonry construction, second floor walls with heavier block / 19.7 ft floor elevation, higher than required by Hillsborough County guidelines for flood protection / Double breakwater wall in front of pool, insulated hurricane resistant windows and sliding doors / Hand selected, special made and ordered Ludowici glazed clay roofing tiles with lifetime guarantee / 10+/- car garage (depending on size of vehicles) with 3 large access doors / Separate maintenance room and ventilation system / Two high efficiency a/c units / Elevator from garage to 1st floor / Large boat dock w/slip for the 70 footer you've always wanted; plus a slip w/lift for 24 footer / South American hardwood decking on dock/porch / High level R factor for roof/wall insulation--double required by code / Project orientation and overhangs reduce heat gain, rubber coating below possible 4th bedroom / Generator for power loss / Custom pool and spa / From the moment you step inside the grand entry you'll notice the soaring ceilings and feel the openness that will make you immediately feel welcomed / The lovely chefs kitchen has green granite with mother of pearl veining throughout the counter tops and will surely be a delight especially with a large gathering using the Thermador 6 burner stove/oven plus an island Thermador cook top and separate bar island - surely makes for easy entertaining / Enjoy the ebony marble fireplace - propane w/remote - on a chilly evening from the bay breeze / There's so many unique qualities in this home - come see for yourself.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

4,159

Sqft

0.45 ac

Lot size

10

Garage

2001

Year built

One

Levels

$601

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringBamboo · Carpet · Travertine
AppliancesCooktop · Dishwasher · Range · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Elevator · High Ceilings · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric · Heat Pump
FurnishedNegotiable

Outside & construction

RoofOther
ConstructionBlock · Concrete · Stucco
FoundationSlab
ViewWater
FacesSouth
ExteriorOutdoor Shower · Rain Gutters

Community & fees

HOA fee$175/mo
Taxes (2025)$13,904/yr
PetsCats OK, Dogs OK, Yes
CommunityBay/Harbor Front · Boat Slip · Canal Front · Community Boat Ramp · Dock · Fishing · Marina · Private Boat Ramp · Water Access · Waterfront · Clubhouse · Deed Restrictions · Gated Community - Guard · Playground · Pool

Utilities & systems

UtilitiesElectricity 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 and the real association fee — not generic estimates.

$15,921 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$13,490
PMI (est., until 20% equity)$938
Property tax — 2025 actual bill$1,159
HOA fee — from the listing$175
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $250,000Loan30-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% · $250,000
Interest rate6.00%
Loan term

Estimated payment

$15,921/mo

Principal & interest$13,490
PMI (est., until 20% equity)$938
Property taxes (actual bill)$1,159
HOA / condo fee$175
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 $2.5M
$1.3MedgeAI estimate $1,427,915 · range $1.4M$1.6M$2.6M

vs edgeAI estimate

+75.1%

$/sqft vs Apollo Beach actives

$601 vs $227

Days on market

6 vs 56 typical

Where $601/sqft sits among the 395 Apollo Beach actives

203
88
38
36
19
11 · this home
$153–228$228–303$303–377$377–452$452–526$526+

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 903 CAPRICCIO LANE

Drive times from this address

Downtown Tampa35 min
Tampa Int’l Airport (TPA)48 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)

222 of 395

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 450% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

Jul 17, 2026Listed at $2,500,000 · 6 days on market since
2001Built · SYMPHONY ISLES UNIT TWO

Reality check

What actually sold near 903 CAPRICCIO LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

929 SYMPHONY ISLES BOULEVARDSold · Jan ’26

$930,000

929 SYMPHONY ISLES BOULEVARD · same community

3 bd · 2 ba · 3,850 sqft · $242/sqft · 105 DOM

901 CAPRICCIO LANESold · May ’26

$1,960,000

901 CAPRICCIO LANE · same community

4 bd · 5 ba · 3,429 sqft · $572/sqft · 51 DOM

920 SYMPHONY ISLES BOULEVARDSold · Dec ’25

$1,100,000

920 SYMPHONY ISLES BOULEVARD · same community

4 bd · 3.5 ba · 3,339 sqft · $329/sqft · 119 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 903 CAPRICCIO 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 903 CAPRICCIO LANE — 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

903 CAPRICCIO LANE FAQs

What would the monthly payment be for 903 CAPRICCIO LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,921/mo — principal and interest, the actual property-tax bill, the $175/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 903 CAPRICCIO LANE?+

The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 903 CAPRICCIO LANE?+

The most recent tax bill on record (2025) was $13,904. 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 903 CAPRICCIO LANE?+

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 $2,500,000, this home is listed about 410% 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 903 CAPRICCIO 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

$2,500,000 runs 450% above the APOLLO BEACH 33572 median — but at 4,159 sqft it's also nearly twice the size of the typical Apollo Beach listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Fresh on the market

Only 6 days on market in a Apollo Beach market that averages 56 — if it fits, move quickly.

Listing courtesy of CARRILLO REALTY PA · Donna Driggers. MLS #TB8528668.

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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