423 MANNS HARBOR DRIVE, APOLLO BEACH, FL, 33572
Active214 days on marketListed Feb 19, 2026MLS #TB8478472
About this home
423 MANNS HARBOR DRIVE
Virtually Staged. There’s something special about ending the day with a Florida sunset over the water—and from this MiraBay lagoon home, that view is right in your own backyard. As the sun goes down, the sky reflects across the lagoon, creating a beautiful backdrop for evenings on the screened lanai and a setting that truly captures what waterfront living in Apollo Beach is all about. This charming Key West–style 3-bedroom, 2-bath home offers the coastal character MiraBay is known for, beginning with an oversized covered front porch that feels made for rocking chairs and slow mornings. Inside, soaring ceilings and an open, light-filled floor plan connect the living and dining spaces, while the upgraded kitchen features solid-surface countertops, stainless steel appliances and plenty of cabinetry. Out back is where this home really shines. With no rear neighbors and wide lagoon views, the screened lanai offers a private place to enjoy morning coffee, dinner outside or those unforgettable sunsets over the water. Living in MiraBay means having some of Apollo Beach’s best amenities just outside your door, including a waterfront clubhouse, resort-style pool, fitness center, boating access to Tampa Bay and the Gulf, and a 24-hour gated entrance. Shopping, dining, recreation and area beaches are also within easy reach. If you’ve been looking for a waterfront home where the view is just as special as the community, this one deserves to be seen—especially at sunset. Some photos have been virtually staged to showcase the home’s potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,903
Sqft
0.14 ac
Lot size
2
Garage
2004
Year built
One
Levels
$314
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.
$4,773 /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
$4,773/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
+49.4%
$/sqft vs MIRABAY PH 3A-1
$314 vs $322
Days on market
214 vs 56 typical
Where $314/sqft sits among the 8 homes for sale in MIRABAY PH 3A-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 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
$460K → $463K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
2 of 8
MIRABAY PH 3A-1 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% 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 423 MANNS HARBOR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$420,000
420 MANNS HARBOR DRIVE · same community
3 bd · 2 ba · 2,000 sqft · $210/sqft · 74 DOM
Sold · Aug ’26$522,000
513 MANNS HARBOR DRIVE · same community
3 bd · 2.5 ba · 2,188 sqft · $239/sqft · 95 DOM
Sold · Apr ’26$605,000
413 MANNS HARBOR DRIVE · same community
4 bd · 2.5 ba · 2,487 sqft · $243/sqft · 125 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
Moe Thouk Oo
Licensed Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 423 MANNS HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 423 MANNS HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Moe's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
423 MANNS HARBOR DRIVE FAQs
What would the monthly payment be for 423 MANNS HARBOR DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,773/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 423 MANNS HARBOR 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 423 MANNS HARBOR DRIVE?+
The most recent tax bill on record (2025) was $13,747. 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 423 MANNS HARBOR DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $598,000, this home is listed about 22% above the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.
Which schools are assigned to 423 MANNS HARBOR 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
Five things that matter here
01Positioned at the premium end
$598,000 runs 44% 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
214 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
04Strong 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.
05The price has already moved
Listed at $640,000, now $598,000 — a $42K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AGILE GROUP REALTY · Karina Bell. MLS #TB8478472.
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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