5457 SANDY SHELL DRIVE, APOLLO BEACH, FL, 33572
Active258 days on marketListed Jan 5, 2026MLS #TB8456389
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Upcoming open house
Sat, Sep 26
12:00 PM – 3:00 PM
About this home
5457 SANDY SHELL DRIVE
Experience spacious waterfront Florida living in the sought-after Harbour Isles community. Positioned on a premium oversized pond-front homesite, this beautiful residence combines more than 3,500 square feet of living space with privacy, generous indoor and outdoor areas, and a resort-style setting designed for everyday enjoyment. Soaring ceilings, abundant natural light, and elegant crown molding create an impressive first impression. Expansive living areas provide plenty of room for entertaining and relaxing, while a dedicated office or den creates an ideal work-from-home space. Upstairs, the spacious loft provides excellent flexibility as a media room, game room, fitness area, or second family room. At the heart of the home, the updated kitchen features granite countertops, abundant cabinetry, a large center island, built-in wine refrigerator, and newer appliances. Its open connection to the living and dining areas makes it ideal for casual meals and entertaining. The adjoining family room features a custom built-in entertainment center with a modern electric fireplace, creating a stylish and inviting focal point. The spacious primary suite provides a private retreat with generous proportions and a walk-in closet, while the additional bedrooms provide flexibility for family, guests, hobbies, or multigenerational living. Step through the sliding doors to your private outdoor oasis. The screened lanai and sparkling in-ground pool overlook peaceful pond views, creating a beautiful backdrop for morning coffee, sunset swims, weekend gatherings, or simply enjoying Florida's year-round sunshine. The oversized homesite enhances the sense of openness and privacy. Additional highlights include a desirable 3-car garage, generous storage, mature landscaping, quality finishes, and a move-in ready interior. Harbour Isles residents enjoy a clubhouse, fitness center, resort-style community pool, playground, parks, and sports courts. Conveniently located near shopping, dining, marinas, waterfront recreation, Tampa, Brandon, and Gulf beaches. Notable improvements include a roof completed in 2025, updated kitchen with granite countertops and new appliances in 2023, built-in wine refrigerator, water heater replaced in 2021, downstairs tile flooring completed in 2020, custom built-in entertainment center completed in 2020, new laminate flooring upstairs, and a finished garage floor. Spacious, updated, and move-in ready, this exceptional pond-front home combines privacy, premium features, resort-style outdoor living, and an outstanding Apollo Beach location. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
3,519
Sqft
0.28 ac
Lot size
3
Garage
2007
Year built
Two
Levels
$167
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.
$4,355 /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
$4,355/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
−36.1%
$/sqft vs HARBOUR ISLES PH 1
$167 vs $198
Days on market
258 vs 56 typical
Where $167/sqft sits among the 10 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
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
The numbers that matter
The Apollo Beach market
$460K → $463K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
5 of 10
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 42% 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 5457 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 · Sep ’25$695,200
317 ROYAL BONNET DRIVE · same community
4 bd · 4 ba · 3,424 sqft · $203/sqft · 56 DOM
Sold · Sep ’26$582,000
309 ROYAL BONNET DRIVE · same community
4 bd · 4 ba · 3,348 sqft · $174/sqft · 184 DOM
Sold · Nov ’25$670,000
5304 SANDY SHELL DRIVE · same community
6 bd · 3.5 ba · 3,756 sqft · $178/sqft · 64 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 5457 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 5457 SANDY SHELL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5457 SANDY SHELL DRIVE FAQs
What would the monthly payment be for 5457 SANDY SHELL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,355/mo — principal and interest, the actual property-tax bill, the $110/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 5457 SANDY SHELL DRIVE?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5457 SANDY SHELL DRIVE?+
The most recent tax bill on record (2024) was $8,235. 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 5457 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 $589,000, this home is listed about 20% above the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$589,000 runs 42% above the APOLLO BEACH 33572 median — but at 3,519 sqft it's also 62% 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
258 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 $645,000, now $589,000 — a $56K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Elliott Peer. MLS #TB8456389.
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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