5431 SANDY SHELL DRIVE, APOLLO BEACH, FL, 33572
Active160 days on marketListed Feb 11, 2026MLS #TB8474243
About this home
5431 SANDY SHELL DRIVE
4-bedroom | 2-bathroom | 2,603 sq. ft | Heated pool | Hurricane Impact Windows | Whole House Generator| Owned 500-gallon buried propane tank | 63 feet of pond frontage. Imagine coming home from a busy day, to a peaceful expansive pond view while unwinding in the heated pool and catching one of Florida’s beautiful sunsets. Situated on ¼-acre with 63 feet of pond frontage in peaceful Harbour Isles, this property offers noticeable space between homes and a true sense of privacy. This move in ready home has been thoughtfully upgraded for Florida living with IMPACT-RATED windows (2023) and a WHOLE HOUSE GENERATOR (2025) connected to an owned, buried 500-gallon propane tank – no wrestling with storm shutters or weeks without power here. Other improvements include an architectural ROOF (2022), HVAC system (2021), WATER HEATER (2020), blown-in attic insulation, and a reclaimed water irrigation system. Inside, luxury vinyl plank flooring flows throughout the open-concept main living areas, offering both style and durability. The large kitchen features generous counter space—highlighted by an expansive center island—complete with granite surfaces, solid wood cabinetry, and stainless steel appliances to create a functional and inviting space for everyday living and entertaining. The versatile floor plan offers 4 bedrooms, including a flexible 4th bedroom ideal for a home office, den, or guest suite. The fully fenced backyard features a 10x10 (Tuff) Shed with electricity and an open patio featuring a motorized awning, creating a perfect space for outdoor living and entertaining in the Florida climate. Harbour Isles, with a LOW $10 monthly HOA, is known for its quiet residential feel and spacious homesites, making it a strong option for buyers seeking peaceful living in South Shore Tampa Bay while still enjoying easy access to everyday conveniences. Just minutes from E.G. Simmons Regional Park, residents can enjoy boating, kayaking, fishing, and scenic waterfront trails. Community amenities include a clubhouse, resort-style pool, fitness center, playground, and sidewalks throughout the neighborhood. Convenient Apollo Beach location with quick access to I-75, US-41, and Hwy 301, making commuting to Tampa, MacDill AFB, Brandon, Bradenton, and Sarasota easy while still enjoying a relaxed coastal lifestyle near marinas, waterfront dining, and outdoor recreation.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,603
Sqft
0.27 ac
Lot size
2
Garage
2008
Year built
One
Levels
$231
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.
$4,397 /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
$4,397/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
−31.2%
$/sqft vs HARBOUR ISLES PH 1
$231 vs $179
Days on market
160 vs 56 typical
Where $231/sqft sits among the 7 homes for sale in HARBOUR ISLES PH 1
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
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)
4 of 7
HARBOUR ISLES PH 1 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% 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 5431 SANDY SHELL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$450,000
5409 HAMMOCK VIEW LANE · same community
3 bd · 2.5 ba · 2,770 sqft · $162/sqft · 81 DOM
Sold · May ’26$560,000
316 ROYAL BONNET DRIVE · same community
4 bd · 3 ba · 2,371 sqft · $236/sqft · 168 DOM
Sold · May ’26$625,000
5405 CORAL SHELL WAY · same community
4 bd · 3 ba · 2,326 sqft · $269/sqft · 30 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5431 SANDY SHELL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5431 SANDY SHELL DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
5431 SANDY SHELL DRIVE FAQs
What would the monthly payment be for 5431 SANDY SHELL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,397/mo — principal and interest, the actual property-tax bill, the $10/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 5431 SANDY SHELL DRIVE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5431 SANDY SHELL DRIVE?+
The most recent tax bill on record (2025) was $9,168. 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 5431 SANDY SHELL 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 $600,000, this home is listed about 22% 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 5431 SANDY SHELL DRIVE?+
Shields Middle School (middle), Lennard High School (high), Cypress Creek 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.
The brief
Four things that matter here
01Positioned at the premium end
$600,000 runs 33% above the APOLLO BEACH 33572 median — but at 2,603 sqft it's also 23% larger than 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.
03Time on market is leverage
160 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $630,000, now $600,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA EXECUTIVE REALTY 2 · Jennifer Sparacino. MLS #TB8474243.
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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