5108 BUTTERFLY SHELL DRIVE, APOLLO BEACH, FL, 33572
Active19 days on marketListed Sep 1, 2026MLS #TB8544408
About this home
5108 BUTTERFLY SHELL DRIVE
Experience relaxed Florida living at 5108 Butterfly Shell Drive, a spacious 3 bedroom, 2 bathroom pond-front home in the amenity-rich Harbour Isles community of Apollo Beach. Offering approximately 2,024 square feet of single-story living space, this home combines an open floor plan, peaceful water views, generous room sizes and a roof replaced in 2024. Inside, the bright and inviting layout is designed for both everyday living and entertaining. The spacious kitchen offers abundant workspace, solid-surface countertops and an easy connection to the main living and dining areas. Generously sized secondary bedrooms provide flexibility for guests, a home office or additional living space, while the private primary suite creates a comfortable retreat. Step outside and enjoy the tranquil pond-front setting, ideal for morning coffee, outdoor dining or relaxing at the end of the day. The approximately 0.21-acre homesite offers additional outdoor space, while the attached two-car garage provides convenient parking and storage. Harbour Isles residents enjoy access to resort-style community amenities including a swimming pool, clubhouse, fitness center, playground, park, sidewalks and recreational areas, creating plenty of opportunities to stay active and enjoy the Florida lifestyle. Conveniently located near US Highway 41 and Interstate 75, the home offers easy access to Tampa, Brandon, Riverview, St. Petersburg and destinations throughout the Tampa Bay area. Outdoor enthusiasts will appreciate nearby boating, fishing, kayaking, parks and nature destinations including the Apollo Beach Nature Preserve, Tampa Electric Manatee Viewing Center and E.G. Simmons Conservation Park. Shopping, dining and entertainment are also close by, with popular waterfront destinations such as Circles Waterfront Restaurant and Finn’s Dockside Bar & Grill, along with everyday conveniences throughout Apollo Beach and the Southshore area. With its 2024 roof, pond-front homesite, spacious single-story floor plan, desirable Harbour Isles amenities and convenient Apollo Beach location, 5108 Butterfly Shell Drive offers an excellent opportunity to enjoy comfortable Florida living close to everything Tampa Bay has to offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,024
Sqft
0.21 ac
Lot size
2
Garage
2009
Year built
One
Levels
$190
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.
$3,304 /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
$3,304/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
−8.5%
$/sqft vs HARBOUR ISLES PH 1
$190 vs $198
Days on market
19 vs 56 typical
Where $190/sqft sits among the 10 homes for sale in HARBOUR ISLES PH 1
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)
6 of 10
HARBOUR ISLES PH 1 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% 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 5108 BUTTERFLY SHELL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$299,900
104 STAR SHELL DRIVE · same community
3 bd · 2.5 ba · 1,880 sqft · $160/sqft · 38 DOM
Sold · Jun ’26$379,000
5419 HAMMOCK VIEW LANE · same community
3 bd · 2 ba · 1,821 sqft · $208/sqft · 86 DOM
Sold · May ’26$625,000
5405 CORAL SHELL WAY · same community
4 bd · 3 ba · 2,326 sqft · $269/sqft · 30 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5108 BUTTERFLY SHELL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5108 BUTTERFLY SHELL DRIVE — 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
5108 BUTTERFLY SHELL DRIVE FAQs
What would the monthly payment be for 5108 BUTTERFLY SHELL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,304/mo — principal and interest, the actual property-tax bill, the $10/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 5108 BUTTERFLY SHELL DRIVE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5108 BUTTERFLY SHELL DRIVE?+
The most recent tax bill on record (2025) was $8,369. 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 5108 BUTTERFLY SHELL 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 $385,000, this home is listed about 21% 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 COMPASS FLORIDA LLC · Neill Boyd. MLS #TB8544408.
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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