424 ISLAND CAY WAY, APOLLO BEACH, FL, 33572
Active491 days on marketListed Apr 4, 2025MLS #TB8370062
About this home
424 ISLAND CAY WAY
High and Dry, NO DAMAGE from Hurricane Helene and Milton!! Exquisite waterfront living awaits you in the private gated community of Island Cay in Apollo Beach! This stunning home boasts a split floor plan with 3 bedrooms and 2 bathrooms, providing a perfect blend of comfort and style. The primary bedroom retreat is designed for ultimate comfort and convenience, featuring a spacious walk-in closet to accommodate all your wardrobe needs. Wake up to breathtaking water views right from the comfort of your bed. Unleash your culinary creativity in the spacious kitchen, which was designed for both functionality and style, featuring a generously sized island that serves as the focal point of the room. The huge island not only provides ample counter space for meal preparation but also doubles as a gathering spot for family and friends, making it the heart of your home. In addition to the impressive island, the kitchen boasts a convenient dry bar, adding an extra touch of sophistication to the space. Enjoy the ultimate outdoor oasis with a private pool, a screened-in lanai, and a boat lift as well as two additional boat slips that can be rented out, providing extra income. The home also has a two-car garage where a portion has been converted into an office which can be easily converted back if needed. Don't miss the opportunity to make this waterfront dream home yours. Schedule a viewing today and experience the luxury of coastal living at its finest! *Please note all measurements are approximate and not guaranteed, Buyer and Buyers Agent to verify*
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,007
Sqft
0.66 ac
Lot size
2
Garage
1996
Year built
One
Levels
$448
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.
$5,632 /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
$5,632/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
+18.2%
$/sqft vs Apollo Beach actives
$448 vs $223
Days on market
491 vs 50 typical
Where $448/sqft sits among the 381 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
$460K → $458K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
218 of 381
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 103% 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 424 ISLAND CAY WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$425,000
5415 LIMELIGHT DRIVE
4 bd · 2 ba · 2,010 sqft · $211/sqft · 36 DOM
Sold · Jun ’26$458,000
6218 HIDDEN BRANCH DRIVE
4 bd · 3 ba · 2,012 sqft · $228/sqft · 280 DOM
Sold · Mar ’26$280,000
302 LATITUDE PLACE
3 bd · 2 ba · 1,966 sqft · $142/sqft · 83 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 424 ISLAND CAY WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 424 ISLAND CAY WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
424 ISLAND CAY WAY FAQs
What would the monthly payment be for 424 ISLAND CAY WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,632/mo — principal and interest, the actual property-tax bill, the $33/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 424 ISLAND CAY WAY?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 424 ISLAND CAY WAY?+
The most recent tax bill on record (2024) was $2,939. 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 424 ISLAND CAY WAY?+
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 $900,000, this home is listed about 84% above the Apollo Beach median of $489,450. The market section on this page shows how the area is trending.
Which schools are assigned to 424 ISLAND CAY WAY?+
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
$900,000 runs 103% above the APOLLO BEACH 33572 median.
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
491 days on market against a Apollo Beach median of 50 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,100,000, now $900,000 — a $200K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AGILE GROUP REALTY · Taryn Kochera. MLS #TB8370062.
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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