428 SENECA FALLS DRIVE, APOLLO BEACH, FL, 33572
Active21 days on marketListed Aug 30, 2026MLS #TB8542977
About this home
428 SENECA FALLS DRIVE
Your home search is over! Impeccably maintained, low maintenance 2 bed, 2 bath, 2 car garage villa with EXTRA bonus room (den/office/hobby room). This beautiful villa is located in the sought after Premier 55+ community of Southshore Falls and is SITUATED ON A PREMIUM LOT OVERLOOKING THE WALKING TRAIL.. SO NO BACKYARD NEIGHBORS. Enjoy your morning coffee or perhaps an evening beverage from the privacy of your screened lanai which overlooks a quiet natural expansive walking trail. Enter this beautiful home through a screened porch, into a light & bright foyer custom with designed tiled Home boasts an eat-in kitchen, and additional breakfast bar, granite counter tops, custom solid wood cabinets & pantry. Solar tube lighting is a wow factor which provides great light & also a decorative fixture ceiling. Tastefully painted spacious dining a & living room with new flooring. Primary bedroom has a spacious walk in closet with an en-suite bathroom with double vanities & glass walk-in shower enclosure. Spilt bedroom plan so plenty of privacy for overnight guests. Screens on front door and patio which allows for a wonderful cross breeze. This is a pet free and smoke free home. Included in the HOA is Landscape maintenance reclaimed water irrigation, mowing, weeding, fertilization, exterior pest control and tree and shrub trimming. 24/7 gated & guarded entrance, 14,000 sq ft Clubhouse 2 Swimming pools, resistance pool, Hot tub/spa, state-of-the-art Fitness center, Bocce ball, Tennis & Pickle ball courts, Library/Game/Card room, Billiard room, an Arts/Craft room, Internet Cafe, & a Nature trail, Schedule an appointment to view, you will not be disappointed. Some furnishings & accessories available for purchase separate
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,461
Sqft
0.1 ac
Lot size
2
Garage
2013
Year built
One
Levels
$198
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.
$2,608 /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
$2,608/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
+6.8%
$/sqft vs Apollo Beach actives
$198 vs $217
Days on market
21 vs 56 typical
Where $198/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 30% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 428 SENECA FALLS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$285,000
438 SENECA FALLS DRIVE · same community
2 bd · 2 ba · 1,461 sqft · $195/sqft · 176 DOM
Sold · Sep ’26$256,000
420 SENECA FALLS DRIVE · same community
2 bd · 2 ba · 1,461 sqft · $175/sqft · 139 DOM
Sold · Feb ’26$290,000
420 CEDAR FALLS DRIVE · same community
2 bd · 2 ba · 1,616 sqft · $179/sqft · 85 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 428 SENECA FALLS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 428 SENECA FALLS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
428 SENECA FALLS DRIVE FAQs
What would the monthly payment be for 428 SENECA FALLS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,608/mo — principal and interest, the actual property-tax bill, the $370/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 428 SENECA FALLS DRIVE?+
The association fee works out to $370 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 428 SENECA FALLS DRIVE?+
The most recent tax bill on record (2025) was $2,986. 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 428 SENECA FALLS DRIVE?+
The listing reports pets: 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 $289,000, this home is listed about 41% 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 RE/MAX BAYSIDE REALTY LLC · Marlene Bonham Lovett. MLS #TB8542977.
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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