
6420 SUNSET BAY CIRCLE, APOLLO BEACH, FL, 33572
Active2 days on marketListed Sep 18, 2026MLS #TB8542304
About this home
6420 SUNSET BAY CIRCLE
EXCEPTIONAL WATERFRONT TOWNHOME COMING SOON, THIS LUXERY PROPERTY HITS THE MARKET ON SATURDAY, SEPTEMBER 19TH. *Owners are relocating* providing a unique opportunity that allows for additional options such as: ALL LEVELS FULLY FURNISHED - ADJACENT BACK YARD BOAT SLIP(BOAT SLIP PURCHASED SEPARATELY) - 21ft BENNINGTON (300hrs) CURRENTLY IN SLIP. This premium home is situated in a PET FRIENDLY small 37 unit GATED COMMUNITY and boasts many unique features that provide standout appeal including: RARE END UNIT LOCATION WITH 3 DIFFERENT WATER VIEWS (bay, pool and pond) - GROUND LEVEL WITH BUILT IN PRIVATE ELEVATOR HOSTS AN UNCOMMON 2 CAR DRIVEWAY WITH A TANDEM GARAGE THAT INCLUDES A SPACIOUS FURNISHED GAME ROOM - THE NEWLY UPGRADED HVAC INCLUDES A WHOLE HOUSE DEHUMIDIFIER THAT PROVIDES AN ULTRA LOW HUMIDITY ENVIRONMENT YEAR AROUND. For boating enthusiasts, direct deep-water access to Tampa Bay and the Gulf of Mexico is just moments away. This thoughtfully designed residence features 3 bedrooms and 2.5 bathrooms. Upon entry, you'll find a spacious foyer and abundant storage with a rear facing private waterfront patio, perfect for grilling that adjoins to the game room. The main living level is designed for both everyday comfort and effortless entertainment. Soaring ceilings, crown molding, and abundant natural light with custom plantation shutters throughout the home all create a warm and inviting atmosphere throughout. The chef-inspired kitchen features custom solid-wood white cabinetry, engineered stone countertops, decorative tile backsplash, built-in oven, and an oversized breakfast bar. French doors open to a screened and covered balcony where spectacular water views of dolphins and manatees provide the perfect backdrop for morning coffee, evening cocktails, and unforgettable sunsets. The main-level owner's suite offers a private retreat with a spacious walk-in closet and spa-inspired bath featuring dual vanities, a soaking tub, and walk-in upgraded shower. Upstairs, two generously sized guest bedrooms can sleep 6 with tray ceilings and large walk-in closets. One large full bath supports both bedrooms, while an additional sitting area in the bay facing bedroom provides flexibility for a home office, fitness space, or reading nook. This end-unit allows for exceptional quiet and privacy with only one shared wall. The HOA provides beautifully maintained grounds, and the residents of this Sunset Bay community enjoy resort-style amenities including a waterfront pool, cabana, scenic boardwalk, lagoon, private fishing dock, and lush landscaping. HOA fees include water service and flood insurance for added value and peace of mind. This opportunity becomes even more appealing if a buyer prefers to take advantage of the show room furnished option and-or the prospect of a owning their own private dock which creates a truly turnkey waterfront retreat. Luxury waterfront living, breathtaking views, resort-style amenities, and direct boating access with the added bonus of having HOA supported Flood Insurance — this is Sunset Bay at its finest.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,350
Sqft
0.05 ac
Lot size
3
Garage
2006
Year built
Three Or More
Levels
$226
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.
$5,194 /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
$5,194/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
+33.4%
$/sqft vs Apollo Beach actives
$226 vs $217
Days on market
2 vs 56 typical
Where $226/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)
222 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 28% 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 6420 SUNSET BAY CIRCLE
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$370,000
6315 SUNSET BAY CIRCLE · same community
3 bd · 2.5 ba · 2,350 sqft · $157/sqft · 182 DOM
Sold · Apr ’26$474,000
6428 SUNSET BAY CIRCLE · same community
3 bd · 2.5 ba · 2,488 sqft · $191/sqft · 229 DOM
Sold · Jun ’26$450,000
6414 SUNSET BAY CIRCLE · same community
3 bd · 3.5 ba · 2,488 sqft · $181/sqft · 67 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6420 SUNSET BAY CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6420 SUNSET BAY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6420 SUNSET BAY CIRCLE FAQs
What would the monthly payment be for 6420 SUNSET BAY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $5,194/mo — principal and interest, the actual property-tax bill, the $940/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 6420 SUNSET BAY CIRCLE?+
The association fee works out to $940 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6420 SUNSET BAY CIRCLE?+
The most recent tax bill on record (2025) was $8,877. 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 6420 SUNSET BAY CIRCLE?+
The listing reports pets: Breed Restrictions, 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 $530,000, this home is listed about 8% above the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$530,000 runs 28% above the APOLLO BEACH 33572 median.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $940/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 2 days on market in a Apollo Beach market that averages 56 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY INC · Vojtech Bosek. MLS #TB8542304.
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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