5520 SILVER SUN DRIVE, APOLLO BEACH, FL, 33572
Active57 days on marketListed Sep 11, 2026MLS #TB8545362
Come see it
Upcoming open house
Sun, Nov 8
2:00 PM – 4:00 PM
OPEN HOUSE THIS SUNDAY, NOVEMBER 8 | 2–4 PM! ?? Come tour this beautiful, move-in-ready home in the sought-after Waterset community! Featuring all bedrooms on the main floor, a spacious upstairs loft, and a fenced backyard. Now offered at $469,900! Don't miss your opportunity to see this home in person. We look forward to welcoming you
About this home
5520 SILVER SUN DRIVE
NEW PRICE: $469,900! Spacious upstairs loft in resort-style Waterset! Built in 2022 and move-in ready, this 3-bed, 2.5-bath Apollo Beach home offers 2,438 sq ft of open-concept living with 10-ft ceilings, 8-ft doors, tray ceilings, ceramic tile downstairs, and carpet upstairs. The second-floor loft, with two closets and its own half bath, flexes as a home office, media room, game room, or extra living space. The kitchen features a gas stove flowing into the dining and great room, plus an LG four-door refrigerator, front-loading washer and dryer, tankless water heater, smart keyless entry, energy-saving window tint, and overhead garage storage. Outside, relax on the screened lanai (added 2025) overlooking the fully fenced backyard (completed 2026). Waterset living means resort-style pools, fitness centers, pickleball and tennis courts, playgrounds, a splash pad, dog park, and walking trails, with Dorothy C. York Innovation Academy (K-8) in the community and quick access to US-41 and I-75. Low HOA of just $151.44 annually! Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,438
Sqft
0.11 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$193
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.
$4,482 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,482/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−3.2%
$/sqft vs Apollo Beach actives
$193 vs $219
Days on market
57 vs 70 typical
Where $193/sqft sits among the 355 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 Waterset
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apollo Beach. See the full Apollo Beach guide →
Waterset — neighborhood snapshot
Population
7,918
Median age
37
Median income
$130,555
Median home value
$461,344
Avg household
3
Households w/ children
1,132
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
$490K → $479K
Apollo Beach median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
199 of 355
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 15% 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 5520 SILVER SUN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$460,000
5534 SILVER SUN DRIVE · same community
4 bd · 3 ba · 2,444 sqft · $188/sqft · 196 DOM
Sold · Feb ’26$570,000
5435 SILVER SUN DRIVE · same community
4 bd · 3 ba · 2,488 sqft · $229/sqft · 26 DOM
Sold · Feb ’26$470,000
5516 SILVER SUN DRIVE · same community
4 bd · 3.5 ba · 2,333 sqft · $201/sqft · 6 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5520 SILVER SUN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5520 SILVER SUN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5520 SILVER SUN DRIVE FAQs
What would the monthly payment be for 5520 SILVER SUN DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,482/mo — principal and interest, the actual property-tax bill, the $13/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 5520 SILVER SUN DRIVE?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5520 SILVER SUN DRIVE?+
The most recent tax bill on record (2025) was $10,503. 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 5520 SILVER SUN 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 $469,900, this home is listed about 1% above the Apollo Beach median of $466,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5520 SILVER SUN DRIVE?+
Doby Elementary School (elementary), East Bay 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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY LLC · Beryle Ortiz. MLS #TB8545362.
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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