CENTURY 21 Edge
$1,299,0004 bd4 ba3,022 sqft$430 /sqft$8,588 /mo all-in ↓

1231 ACAPPELLA LANE, APOLLO BEACH, FL, 33572

Active21 days on marketListed Aug 31, 2026MLS #TB8542739

WaterfrontPrivate poolSingle Family ResidenceSYMPHONY ISLES UNIT THREE

About this home

1231 ACAPPELLA LANE

1231 Acappella Lane, Apollo Beach, FL 33572 | 4 Beds | Deep-Water Canal Frontage | No-Bridge Tampa Bay Access | Pool & Heated Spa | Composite Dock + Boat Lift | Main-Floor Primary | New Tile Roof | Symphony Isles | No CDD Waterfront living at 1231 Acappella Lane means the boat, pool, spa, and canal are part of the everyday routine. Set on deep-water canal frontage in 24/7 guard-gated Symphony Isles, this 4-bedroom, 3-full and 2-half-bath home gives you direct Tampa Bay access with no fixed bridges, a private composite dock with electric boat lift, and a screened backyard built around time outside. Start the morning on the lanai overlooking the canal, head out from your own dock when the water calls, then come home to an afternoon by the custom gunite pool. The paved outdoor living area creates room for poolside meals, conversation, and quiet evenings, while the propane-heated spa extends the enjoyment beyond the warmest days. A full screen enclosure, digital pool controls, and updated filtration support the space without distracting from the lifestyle it was designed for. Inside, 3,022 square feet create an easy flow between everyday living and entertaining. Soaring ceilings, architectural trim, plantation shutters, hardwood flooring in the formal dining room, main living area, and upstairs bedrooms, plus neutral tile in other high-traffic areas, give the interior warmth and function. The kitchen keeps the cook connected to the rest of the home, with sightlines across the family room and toward the pool lanai. Solid wood cabinetry, granite countertops, a center preparation area, stainless steel appliances, and a built-in pantry make it easy to move from weekday meals to weekends with friends. The main-floor primary suite creates a private retreat at the end of the day, with walk-in closet space and an en-suite bath featuring double granite vanities, a soaking tub, and separate tiled shower. Upstairs, three additional bedrooms, two full baths, and a 22x18 bonus family room create space to spread out, gather, or unwind. For boaters, the waterfront setup is one of the home's defining advantages. The deeded composite dock is equipped with an electric boat lift, fresh-water washdown, and shore power connections, while the deep-water canal and no-bridge route keep Tampa Bay directly connected to home. A new tile roof, updated water heater, and dual central A/C systems add important improvements. Symphony Isles residents also have access to a private beach, clubhouse, community pool, playground, and private community boat ramp. With no CDD and low annual HOA dues, the community adds another layer to the waterfront lifestyle. ***** WHAT THE SELLER LOVES The best part of living here is how easily the day moves between the water and the backyard. Morning coffee overlooking the canal, leaving by boat from your own dock, coming home for pool time, and ending the day in the heated spa make the waterfront feel less like a weekend escape and more like everyday life.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

3,022

Sqft

0.18 ac

Lot size

2

Garage

2002

Year built

Two

Levels

$430

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesDishwasher · Disposal · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · In Wall Pest System · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener · Ground Level · Guest · Off Street
ExteriorBalcony · Irrigation System · Lighting · Private Mailbox · Sidewalk · Sliding Doors · Storage

Community & fees

HOA fee$177/mo
Taxes (2025)$9,059/yr
PetsBreed Restrictions, Number Limit, Size Limit, Yes
CommunityBay/Harbor Front · Community Boat Ramp · Dock · Fishing · Private Boat Ramp · Water Access · Waterfront · Association Recreation - Owned · Buyer Approval Required · Clubhouse · Deed Restrictions · Gated Community - Guard · Golf Carts OK · No Truck/RV/Motorcycle Parking · Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$8,588 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property tax — 2025 actual bill$755
HOA fee — from the listing$177
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $129,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $129,900
Interest rate6.00%
Loan term

Estimated payment

$8,588/mo

Principal & interest$7,009
PMI (est., until 20% equity)$487
Property taxes (actual bill)$755
HOA / condo fee$177
Est. insurance$160

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.

List $1.3M
$749KedgeAI estimate $873,096 · range $780K$1.1M$1.4M

vs edgeAI estimate

+48.8%

$/sqft vs Apollo Beach actives

$430 vs $217

Days on market

21 vs 56 typical

Where $430/sqft sits among the 371 Apollo Beach actives

130
129
32
28
20
32 · this home
$145–200$200–255$255–309$309–364$364–419$419+

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

Downtown Tampa33 min
Tampa Int’l Airport (TPA)46 min

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

Seller’s marketLeans seller4.8 months of inventoryBuyer’s market

$460K$463K

Apollo Beach median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

223 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 212% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

Aug 31, 2026Listed at $1,299,000 · 21 days on market since
2002Built · SYMPHONY ISLES UNIT THREE

Reality check

What actually sold near 1231 ACAPPELLA LANE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1215 ACAPPELLA LANESold · Feb ’26

$1,245,000

1215 ACAPPELLA LANE · same community

4 bd · 3 ba · 3,673 sqft · $339/sqft · 47 DOM

424 ISLEBAY DRIVESold · Dec ’25

$1,200,000

424 ISLEBAY DRIVE

4 bd · 3.5 ba · 3,014 sqft · $398/sqft · 0 DOM

716 PINCKNEY DRIVESold · Jun ’26

$1,600,000

716 PINCKNEY DRIVE

3 bd · 4 ba · 3,000 sqft · $533/sqft · 46 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1231 ACAPPELLA LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1231 ACAPPELLA LANE — before you fall in love.

See it in person

Schedule a tour

Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

1231 ACAPPELLA LANE FAQs

What would the monthly payment be for 1231 ACAPPELLA LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,588/mo — principal and interest, the actual property-tax bill, the $177/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 1231 ACAPPELLA LANE?+

The association fee works out to $177 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1231 ACAPPELLA LANE?+

The most recent tax bill on record (2025) was $9,059. 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 1231 ACAPPELLA LANE?+

The listing reports pets: Breed Restrictions, Number Limit, Size Limit, 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 $1,299,000, this home is listed about 166% above the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.

Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8542739.

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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1231 ACAPPELLA LANE, APOLLO BEACH, FL — 4 Bed, 4 Bath — $1,299,000 | CENTURY 21 Edge