603 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572
Active11 days on marketListed Sep 9, 2026MLS #TB8545185
About this home
603 ISLEBAY DRIVE
Virtually Staged. Some homes give you a place to live. This one gives you the Florida lifestyle people dream about. Your boat at your private dock. Friends gathered around the pool. A brilliant sunset reflecting across the water. At 603 Islebay Drive, every day feels like a waterfront escape—and you never have to leave home. Set on a saltwater canal with direct Tampa Bay access, this impeccably maintained Key West–style residence delivers 3,752 square feet of elevated waterfront living. Inside are 4 bedrooms, 3.5 bathrooms, soaring ceilings, beautiful natural light, and striking water views. The renovated kitchen is made to impress, featuring dramatic stone countertops, an oversized island, contrasting cabinetry, stainless-steel appliances, and a dual-fuel range. The first-floor primary suite is pure indulgence, complete with a freestanding soaking tub, oversized shower, dual vanities, and exceptional storage. Upstairs, possibilities await. An exceptionally spacious loft, private bedroom, and full bath create an entire retreat of its own—ideal for out-of-town guests who appreciate privacy and independence, or transform the loft into an impressive game room, home theater, second living area, home office, fitness studio, or whatever fits your lifestyle. Outside, the heated pool, screened lanai, and private dock create the ultimate setting for entertaining, boating, fishing, and unforgettable evenings on the water. A newer roof, tankless water heater, pool heater, remodeled bathrooms, updated flooring, and three-car tandem garage complete the package. All within gated MiraBay, where resort-style amenities and an active coastal lifestyle await. Beautiful homes come and go. Waterfront homes that make you feel something are much harder to find. This is the kind of home you’ll wish you hadn’t missed. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,752
Sqft
0.21 ac
Lot size
3
Garage
2005
Year built
Two
Levels
$340
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.
$9,808 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,808/mo
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.
vs edgeAI estimate
+3.5%
$/sqft vs Apollo Beach actives
$340 vs $217
Days on market
11 vs 56 typical
Where $340/sqft sits among the 372 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 Mirabay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apollo Beach. See the full Apollo Beach guide →
Mirabay — neighborhood snapshot
Population
2,133
Median age
56
Median income
$98,381
Median home value
$406,778
Avg household
2
Households w/ children
218
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
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 372
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 207% 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 603 ISLEBAY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,210,000
517 MIRABAY BOULEVARD · same community
4 bd · 4 ba · 4,089 sqft · $296/sqft · 222 DOM
Sold · Nov ’25$525,000
405 ISLEBAY DRIVE · same community
5 bd · 3.5 ba · 3,351 sqft · $157/sqft · 118 DOM
Sold · Jun ’26$865,000
528 ISLEBAY DRIVE · same community
5 bd · 4 ba · 3,304 sqft · $262/sqft · 69 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 603 ISLEBAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 603 ISLEBAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
603 ISLEBAY DRIVE FAQs
What would the monthly payment be for 603 ISLEBAY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,808/mo — principal and interest, the actual property-tax bill, the $16/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 603 ISLEBAY DRIVE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 603 ISLEBAY DRIVE?+
The most recent tax bill on record (2025) was $27,296. 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 603 ISLEBAY DRIVE?+
The listing reports pets: No. 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 $1,274,900, this home is listed about 161% above the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.
Which schools are assigned to 603 ISLEBAY DRIVE?+
Apollo Beach K-8 School (elementary), Lennard High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,274,900 runs 207% above the APOLLO BEACH 33572 median — but at 3,752 sqft it's also 73% larger than the typical Apollo Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Apollo Beach K-8 School, Lennard High School, Patricia Sullivan Metropolitan Ministries Partnership School — Apollo Beach K-8 School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Joel Hannah. MLS #TB8545185.
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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