CENTURY 21 Edge
$1,875,0004 bd4 ba4,095 sqft$458 /sqft$14,861 /mo all-in ↓

5405 TYBEE ISLAND DRIVE, APOLLO BEACH, FL, 33572

Active1 days on marketListed Sep 21, 2026MLS #TB8546404

WaterfrontPrivate poolSingle Family ResidenceMIRABAY PH 2A-4

About this home

5405 TYBEE ISLAND DRIVE

Gracious waterfront living awaits on an oversized, over half-acre lot in the Bay Estates community of MiraBay. Custom John Cannon Mediterranean construction and numerous updates by the current owner deliver impressive attention to detail and thoughtful design elements throughout. Designer lighting, tray ceilings and refined finishes enhance the home’s elegant interiors. Positioned on a private cul-de-sac lot with approximately 200 feet of water frontage and tropical landscaping, the property is complemented by a private dock and 20,000-pound full-service boat lift on the lagoon. Designed primarily for single-level living, the home features generous gathering spaces, including a formal living room and light-filled great room with fully retractable sliders opening to the screened lanai. An adjoining breakfast area flows into the chef’s kitchen, appointed with quartz countertops, a center island, pot filler, and Bosch and KitchenAid appliances. The formal dining room provides an intimate setting for entertaining, complemented by an adjacent entertaining bar, wine refrigeration and a generous wine cellar. The primary suite features a welcoming sitting area, seamless access to the pool terrace, dual closets and a spacious bath with dual vanities, an oversized tub and signature walk-through shower overlooking the garden. The first floor also includes two guest bedrooms, one en suite, an additional full bath with direct pool access, a large laundry room and a private den or office. Upstairs, a bonus room opens to a tranquil waterfront terrace and is joined by a fourth bedroom and full bath. Designed for Florida waterfront living, the home opens to a generous lanai with covered dining, an outdoor kitchen and fireplace, along with a heated pool and spa, creating an inviting setting for relaxing, entertaining and enjoying spectacular sunsets. The current owner has made significant improvements, including a 2025 tile roof, newer HVAC systems, tankless water heater, pool heater, and updates to the dock electrical panel, motor and cables. Additional features include a three-car garage with EV charging, a water purification system and plantation shutters. Located within a private gated enclave inside MiraBay, residents enjoy an array of community amenities, including the Club & Spa, fitness facilities, spa services, resort-style pool with waterslide, splash pad, tennis, parks, playgrounds, water recreation, a community dock and storage options. Ideally located in Apollo Beach with convenient access to shopping and dining, the property also offers connectivity throughout the greater Tampa Bay area, including Tampa, St. Petersburg and Sarasota.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

4,095

Sqft

0.53 ac

Lot size

3

Garage

2007

Year built

Two

Levels

$458

Per sqft

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringCarpet · Tile · Vinyl · Hardwood
AppliancesBar Fridge · Built-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Microwave · Range Hood · Refrigerator · Water Purifier
InteriorCeiling Fan(s) · Crown Molding · Dry Bar · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Split Bedroom · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air · Zoned
HeatingCentral · Electric · Natural Gas · Zoned

Outside & construction

RoofTile
ConstructionBlock · Stone · Stucco · Wood Frame
FoundationSlab
ViewPool · Water
FacesSouthwest
ParkingDriveway · Electric Vehicle Charging Station(s) · Garage Faces Side · Ground Level
ExteriorBalcony · French Doors · Irrigation System · Outdoor Grill · Outdoor Kitchen · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$16/mo
Taxes (2025)$46,375/yr
PetsYes
CommunityWater Access · Waterfront · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Park · Playground · Pool · Restaurant · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Street Lights
WaterPublic

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.

$14,861 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,117
PMI (est., until 20% equity)$703
Property tax — 2025 actual bill$3,865
HOA fee — from the listing$16
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $187,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $187,500
Interest rate6.00%
Loan term

Estimated payment

$14,861/mo

Principal & interest$10,117
PMI (est., until 20% equity)$703
Property taxes (actual bill)$3,865
HOA / condo fee$16
Est. insurance$160

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.

List $1.9M
$1.4MedgeAI estimate $1,459,130 · range $1.4M$1.6M$1.9M

vs edgeAI estimate

+28.5%

Days on market

1 vs 56 typical

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

Downtown Tampa31 min
Tampa Int’l Airport (TPA)43 min

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

ElementaryApollo Beach K-8 School★★★★
HighLennard High School★★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Apollo Beach market

Seller’s marketLeans seller4.8 months of inventoryBuyer’s market

$460K$463K

Apollo Beach median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 347% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

Sep 21, 2026Listed at $1,875,000 · 1 days on market since
2007Built · MIRABAY PH 2A-4

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.

Frederick Paige

Your agent

Frederick Paige

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 5405 TYBEE ISLAND DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5405 TYBEE ISLAND DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

5405 TYBEE ISLAND DRIVE FAQs

What would the monthly payment be for 5405 TYBEE ISLAND DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,861/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 5405 TYBEE ISLAND 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 5405 TYBEE ISLAND DRIVE?+

The most recent tax bill on record (2025) was $46,375. 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 5405 TYBEE ISLAND 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 $1,875,000, this home is listed about 283% 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 5405 TYBEE ISLAND 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

Four things that matter here

01Positioned at the premium end

$1,875,000 runs 347% above the APOLLO BEACH 33572 median — but at 4,095 sqft it's also nearly twice the size of 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.

03Fresh on the market

Only 1 day on market in a Apollo Beach market that averages 56 — if it fits, move quickly.

04Strong 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.

Listing courtesy of COLDWELL BANKER REALTY · Jennifer Zales. MLS #TB8546404.

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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