5518 LUMINAR POINTE LANE, APOLLO BEACH, FL, 33572
Active157 days on marketListed Feb 26, 2026MLS #TB8480468
About this home
5518 LUMINAR POINTE LANE
PRICE JUST REDUCED – BEST VALUE IN APOLLO BEACH MiraBay UNDER $350K! Located in the highly desirable MiraBay community of Apollo Beach, this spacious 4-bedroom, 2.5-bath townhome with over 2,600 square feet and a 2-car garage offers one of the best values in the neighborhood. The HOA is the lowest in MiraBay at just $516 per month and includes full exterior maintenance and lawn care, providing a true low-maintenance lifestyle. The first floor features elegant porcelain tile throughout and an open-concept kitchen with a large granite island, ideal for entertaining. A first-floor bedroom offers flexibility as a guest room, office, or multi-use space. Upstairs, you’ll find three additional bedrooms, including two connected by a Jack-and-Jill bathroom. The oversized primary suite offers ample room for a sitting area or workspace with great natural light. All closets have been professionally upgraded by Closets by Design, maximizing storage and organization. This home has been meticulously maintained and is move-in ready. Residents of MiraBay enjoy resort-style amenities included in the CDD, including a heated pool with water slide, clubhouse with food and beverage service, fitness center, and access to kayaking, paddle boarding, and canoeing, along with a community dock and waterfront lifestyle. The CDD is already included in the property taxes, making budgeting simple. Conveniently located within walking distance to the clubhouse and pool, this home combines space, value, and lifestyle in one of Apollo Beach’s premier communities.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,623
Sqft
0.07 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$133
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.
$3,339 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,339/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−28.8%
$/sqft vs Apollo Beach actives
$133 vs $227
Days on market
157 vs 56 typical
Where $133/sqft sits among the 382 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 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
$450K → $472K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
221 of 382
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 21% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 5518 LUMINAR POINTE LANE
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$468,999
757 STEEL DRIVE
4 bd · 3.5 ba · 2,652 sqft · $177/sqft · 30 DOM
Sold · May ’26$496,999
755 STEEL DRIVE
4 bd · 3.5 ba · 2,652 sqft · $187/sqft · 36 DOM
Sold · Oct ’25$481,500
727 STEEL DRIVE
4 bd · 3.5 ba · 2,652 sqft · $182/sqft · 109 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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5518 LUMINAR POINTE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5518 LUMINAR POINTE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5518 LUMINAR POINTE LANE FAQs
What would the monthly payment be for 5518 LUMINAR POINTE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,339/mo — principal and interest, the actual property-tax bill, the $516/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 5518 LUMINAR POINTE LANE?+
The association fee works out to $516 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5518 LUMINAR POINTE LANE?+
The most recent tax bill on record (2024) was $5,370. 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 5518 LUMINAR POINTE LANE?+
The listing reports pets: Breed Restrictions, 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 $349,990, this home is listed about 29% below the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5518 LUMINAR POINTE LANE?+
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
01Under the APOLLO BEACH 33572 market on paper
$349,990 is 21% below the APOLLO BEACH 33572 median of $442,450, and at $133/sqft it sits under the Apollo Beach average of $266.
02Know the monthly fee
The association fee is $516/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Time on market is leverage
157 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 $379,990, now $349,990 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BULLS REALTY LLC · Jon Spinks. MLS #TB8480468.
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.
Never miss a listing
New Apollo Beach homes, in your inbox
Like 5518 LUMINAR POINTE LANE but not quite? A daily digest of every new listing in Apollo Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Jillian to ping you on any price or status change →