416 MANNS HARBOR DRIVE, APOLLO BEACH, FL, 33572
Active133 days on marketListed Mar 26, 2026MLS #TB8490028
About this home
416 MANNS HARBOR DRIVE
Virtually Staged. Welcome to the MiraBay lifestyle—where thoughtfully designed living meets luxury resort-style amenities and everyday convenience. Now offering a $5,000 seller credit, giving flexibility to apply it toward closing costs, an interest rate buydown, or future enhancements. Enjoy the best of both worlds, this inviting Key West-inspired home pairs MiraBay's sought-after waterfront lifestyle with the added advantage of being situated high and dry, complemented by a low assumable flood insurance policy. With a spacious, highly functional floor plan designed for the way you live today, this home presents a rare opportunity to enjoy one of Tampa Bay's most desirable waterfront communities at a compelling price point. From the moment you arrive, a charming paver walkway leads to the expanded front porch—perfect for morning coffee or unwinding in the evening amid mature tropical landscaping. Above, a private balcony provides a peaceful spot to take in Florida sunsets. Inside, the thoughtfully designed layout offers flexibility and flow, featuring a dedicated office or den, formal dining room, and an open-concept living space ideal for both entertaining and everyday living. The kitchen is equipped with granite countertops, double ovens, a gas cooktop, and a breakfast area with built-in bench seating, all seamlessly connected to the main living area. The first-floor primary suite offers both comfort and convenience, complete with direct access to the screened lanai. Upstairs, an oversized loft provides exceptional flexibility—perfect as a media room, playroom, second living area, study space, or whatever best suits your lifestyle—along with three additional bedrooms and a full bath. Designed for indoor-outdoor living, the home features multiple sets of French doors leading to an oversized screened lanai and extended paver patio, creating the perfect setting for relaxing or entertaining year-round. With a highly desirable floor plan, durable metal roof, and plantation shutters throughout, this home provides an exceptional opportunity to add your own personal style while enjoying lasting quality and value. Ideally positioned within MiraBay, residents enjoy access to one of Tampa Bay's premier gated waterfront communities. From the stunning waterfront clubhouse and resort-style pool with waterslide and lap lanes to the on-site café, fitness center, tennis and pickleball courts, every day feels like a vacation. Set along a spectacular 135-acre lagoon, MiraBay offers a true coastal lifestyle with opportunities for kayaking, paddleboarding, boating with Gulf access, scenic walking trails, neighborhood parks, and a vibrant calendar of community events. Conveniently located just minutes from waterfront dining, marinas, and major highways, with easy access to Tampa, St. Petersburg, and Sarasota, this home offers the perfect blend of lifestyle and location. It's easy to see why MiraBay is considered one of Tampa Bay's best-kept secrets. Schedule your private showing today!!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,812
Sqft
0.15 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$194
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.
$4,580 /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
$4,580/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
+9%
$/sqft vs Apollo Beach actives
$194 vs $226
Days on market
133 vs 49 typical
Where $194/sqft sits among the 384 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
$460K → $466K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
218 of 384
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% 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 416 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 · Jul ’26$780,000
5228 BRIGHTON SHORE DRIVE · same community
4 bd · 3.5 ba · 3,530 sqft · $221/sqft · 7 DOM
Sold · Sep ’25$316,000
712 BRENTON LEAF DRIVE
4 bd · 2.5 ba · 2,800 sqft · $113/sqft · 11 DOM
Sold · Apr ’26$325,000
1303 ALHAMBRA CREST DRIVE
4 bd · 2.5 ba · 2,790 sqft · $116/sqft · 113 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 416 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 416 MANNS HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
416 MANNS HARBOR DRIVE FAQs
What would the monthly payment be for 416 MANNS HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,580/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 416 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 416 MANNS HARBOR DRIVE?+
The most recent tax bill on record (2025) was $11,453. 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 416 MANNS HARBOR 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 $545,000, this home is listed about 11% 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 416 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
Three things that matter here
01Positioned at the premium end
$545,000 runs 21% above the APOLLO BEACH 33572 median — but at 2,812 sqft it's also 29% larger than the typical Apollo Beach listing.
02Time on market is leverage
133 days on market against a Apollo Beach median of 49 — sellers in this position are usually ready to negotiate.
03Strong 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.
Keep looking
Similar homes nearby
Listing courtesy of GULF SHORES REALTY ERA POWERED LLC · Carina Galati. MLS #TB8490028.
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 416 MANNS HARBOR DRIVE 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 Alek to ping you on any price or status change →