5520 SILVER SUN DRIVE, APOLLO BEACH, FL, 33572
Active9 days on marketListed Sep 11, 2026MLS #TB8545362
Come see it
Upcoming open house
Sun, Sep 20
1:00 PM – 4:00 PM
Come tour this move-in-ready home in the sought-after Waterset community! Featuring 3 bedrooms, 2.5 baths, a spacious loft, a screened lanai, a fenced backyard, and modern finishes throughout. Stop by and see all this home and the Waterset lifestyle have to offer!
About this home
5520 SILVER SUN DRIVE
Welcome to the highly sought after master planned community of Waterset in Apollo Beach! Built in 2022, this beautifully maintained and thoughtfully upgraded home offers 3 bedrooms, 2.5 baths, and a spacious second floor loft with two closets and a half bath. This flexible space is perfect for a media room, home office, game room, or additional living area. Enter through the foyer into an open concept design enhanced by impressive 10 ft. ceilings, 8 ft. doors, 5 inch baseboards, ceramic tile, tray ceilings, Corian window sills, dimmable lighting, upgraded LED fixtures and ceiling fans, USB A/C outlets, and multiple CAT5 connections. The kitchen, featuring a gas stove, flows seamlessly into the dining and great room areas, creating an inviting setting for everyday living and entertaining. Additional features include an LG 4 door refrigerator, front loading LG washer and dryer, tankless water heater, gas connection for outdoor grilling, and a Schilage app based smart electronic front door lock with convenient keyless entry and security features. Enjoy Florida living from the screened lanai added in 2025 overlooking the fully fenced backyard completed in 2026. Energy saving window film and overhead garage storage add even more functionality to this move in ready home. Living in Waterset means enjoying an incredible array of community amenities, including multiple resort style pools and fitness centers, pickleball, tennis, basketball and volleyball courts, playgrounds, a splash pad, dog park, sports complex, café, miles of walking trails with outdoor fitness stations, and community gathering spaces. Shopping, dining, fitness, medical services, and everyday conveniences are also nearby. Modern construction, extensive upgrades, flexible living space, and the exceptional Waterset lifestyle come together at 5520 Silver Sun Drive. This beautiful home is ready to welcome its next owner!
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
$201
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.
$4,149 /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
$4,149/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
−4.2%
$/sqft vs Apollo Beach actives
$201 vs $217
Days on market
9 vs 56 typical
Where $201/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 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 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 18% 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
Anealya Hammad
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 Anealya'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 6%, the all-in payment lands around $4,149/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 $489,900, this home is priced right at the Apollo Beach median.
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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