5495 SUMMER SUNSET DRIVE, APOLLO BEACH, FL, 33572
Active87 days on marketListed Jun 25, 2026MLS #TB8523150
About this home
5495 SUMMER SUNSET DRIVE
This Deal is Ready Now. NEW LIST PRICE OF $449,000 and up to $15,000 in Seller Credits with and accepted offer. Skip the wait, skip the uncertainty, and skip the builder timeline. This home is move-in ready today — and the seller is offering upto $15,000 back in your pocket at closing. Use it to buy down your rate, cover closing costs, or both. However you use it, it changes the math in your favor from day one. Built in 2023 and owned by one family, this 5-bedroom, 3-bathroom Indigo floor plan lives like new. Soaring ceilings welcome you at the door and the open-concept layout flows exactly the way you want it to — quartz countertops, stainless steel appliances, ceramic tile throughout, and a smart thermostat for energy-efficient living. A tucked-away guest suite with a full bathroom on the main floor adds the perfect touch of privacy for visitors. Upstairs you'll find a generous loft ideal for a playroom, home office, or movie nights, along with three spacious secondary bedrooms, a full bathroom, and an owner's suite that is a true retreat — walk-in shower, double vanities, large walk-in closet, and washer and dryer included. Step outside to one of the most unique lots in the community — a quarter-acre pie-shaped lot with generous space on both sides, no rear neighbors, and a peaceful open green space behind you. A blank canvas ready for whatever you dream up. And because the home sits on a quiet private loop, the only cars you'll ever see belong to your neighbors. All of this inside Waterset — four pools, basketball, volleyball, pickleball, tennis, a dog park, walking trails, and playgrounds — for just $13/month in HOA fees. No construction delays. No builder surprises. No waiting. Just a like-new 2023 home, and $15,000 in your corner from day one. A value you cant beat right now — schedule your private showing today.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,506
Sqft
0.26 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$176
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.
$3,868 /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
$3,868/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
−8.8%
$/sqft vs Apollo Beach actives
$176 vs $217
Days on market
87 vs 56 typical
Where $176/sqft sits among the 371 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 → $463K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
221 of 371
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 6% 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 5495 SUMMER SUNSET 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$612,000
6230 ROADSTEAD COURT · same community
4 bd · 3 ba · 2,494 sqft · $245/sqft · 11 DOM
Sold · May ’26$445,000
6066 GOLDEN NETTLE DRIVE · same community
4 bd · 2.5 ba · 2,523 sqft · $176/sqft · 11 DOM
Sold · Dec ’25$548,000
5538 SUMMER SUNSET DRIVE · same community
5 bd · 3 ba · 2,471 sqft · $222/sqft · 26 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 5495 SUMMER SUNSET DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5495 SUMMER SUNSET DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5495 SUMMER SUNSET DRIVE FAQs
What would the monthly payment be for 5495 SUMMER SUNSET DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,868/mo — principal and interest, the actual property-tax bill, the $13/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 5495 SUMMER SUNSET DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5495 SUMMER SUNSET DRIVE?+
The most recent tax bill on record (2025) was $10,928. 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 5495 SUMMER SUNSET 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 $439,999, this home is listed about 10% below the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Mario Banales. MLS #TB8523150.
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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