
6412 KEY ISLAND AVENUE, APOLLO BEACH, FL, 33572
Active119 days on marketListed Jun 16, 2026MLS #TB8508126
About this home
6412 KEY ISLAND AVENUE
Welcome to Bimini Bay, a gated waterfront community in Apollo Beach, Florida 33572, in southern Hillsborough County. This two-story home has four bedrooms plus a bonus room and sits on a saltwater canal with bridge-free access to Tampa Bay. It has a private 12,000 lb boat lift, a metal roof, a remodeled kitchen and a renovated primary bathroom. It also comes with an assumable Chase mortgage at 3.625%. The community has low monthly HOA fees and no CDD fees. The kitchen was fully remodeled. It has extended granite countertops, an oversized island with seating and prep space, contemporary cabinetry, a large walk-in pantry and updated appliances. The kitchen opens to a bright living room and a breakfast nook, so the main living area is connected and easy to move through. The first floor also has a formal dining room and a separate family room, which gives you room for both everyday living and entertaining. Upstairs, the primary suite has a large walk-in closet and connects to a bonus room that can work as a home office, sitting room, reading area or flex space. The renovated primary bathroom has a garden tub, a walk-in shower and a double vanity. The three other bedrooms are generously sized and give each occupant privacy. The upstairs laundry room is near the bedrooms and has extra storage. The extended lanai looks out over the saltwater canal and has room for outdoor dining and seating. A brick paver walkway runs from the lanai to the private boat lift, which has a 12,000 lb capacity. From the canal, boats can reach Tampa Bay without passing under any bridges. The home has been freshly painted inside and out. The two-car garage has room for vehicles, kayaks, paddleboards and fishing gear. The metal roof is built for durability and a long service life. Apollo Beach sits on the eastern shore of Tampa Bay. Nearby dining includes waterfront restaurants such as Circles Waterfront Restaurant and Apollo's Bistro, along with casual local cafes. Recreation options include the TECO Manatee Viewing Center, local nature preserves, Apollo Beach's public beach, area golf courses and marinas. The Gulf beaches of Pinellas County and Busch Gardens Tampa Bay are within day-trip distance, and there is shopping and everyday services close by. For travel, I-75, US-41, US-301, the Selmon Expressway and I-4 connect Apollo Beach to Downtown Tampa, MacDill Air Force Base and St. Petersburg. Tampa International Airport (TPA) is a short drive away, which makes business trips and visits from out-of-town guests easy. The Chase mortgage can be assumed at 3.625% with a balance of about $334,000, subject to lender approval. The existing flood insurance policy is also assumable, and details are available on request. Depending on current market rates, assuming a 3.625% loan may lower the buyer's monthly payment compared with new financing. Buyers should confirm the terms with the lender. This waterfront home combines boating access, updated interiors and a location close to the Tampa Bay region. Schedule a private showing today.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,706
Sqft
0.11 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$269
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.
$5,029 /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
$5,029/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
+8.2%
$/sqft vs Apollo Beach actives
$269 vs $218
Days on market
119 vs 81 typical
Where $269/sqft sits among the 352 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
The numbers that matter
The Apollo Beach market
$460K → $466K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
212 of 352
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 78% 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 6412 KEY ISLAND AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$489,900
451 BAHAMA GRANDE BOULEVARD · same community
4 bd · 2.5 ba · 2,725 sqft · $180/sqft · 114 DOM
Sold · Apr ’26$625,000
443 BAHAMA GRANDE BOULEVARD · same community
3 bd · 2.5 ba · 2,579 sqft · $242/sqft · 53 DOM
Sold · Dec ’25$668,000
6404 KEY ISLAND AVENUE · same community
4 bd · 2.5 ba · 2,559 sqft · $261/sqft · 0 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6412 KEY ISLAND AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6412 KEY ISLAND AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6412 KEY ISLAND AVENUE FAQs
What would the monthly payment be for 6412 KEY ISLAND AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,029/mo — principal and interest, the actual property-tax bill, the $170/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 6412 KEY ISLAND AVENUE?+
The association fee works out to $170 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6412 KEY ISLAND AVENUE?+
The most recent tax bill on record (2025) was $5,898. 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 6412 KEY ISLAND AVENUE?+
The listing reports pets: Dogs OK, 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 $729,000, this home is listed about 54% above the Apollo Beach median of $473,680. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$729,000 runs 78% above the APOLLO BEACH 33572 median — but at 2,706 sqft it's also 27% 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.
03The price has already moved
Listed at $769,900, now $729,000 — a $41K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOLKERS TAMPA DOWNTOWN · Virginia Torres Bond. MLS #TB8508126.
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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