5518 LUMINAR POINTE LANE, APOLLO BEACH, FL, 33572
Active0 days on marketListed Sep 20, 2026MLS #TB8549456
About this home
5518 LUMINAR POINTE LANE
5518 Luminar Pointe Ln, Apollo Beach, FL 33572 | 3 Bedrooms | 2.5 Bathrooms | Den | 2-Car Garage | Maintenance-Free Living | MiraBay Experience maintenance-free luxury living in MiraBay with this spacious 3-bedroom, 2.5-bath executive townhome with a den and 2-car garage, located in one of Apollo Beach's premier waterfront communities. Offering an impressive combination of space, upscale finishes, abundant storage, and a walkable location near MiraBay's resort-style amenities, this home delivers the Florida lifestyle you've been looking for. Step inside to an inviting open-concept floor plan featuring beautiful travertine flooring throughout the main level, soaring ceilings, crown molding, modern finishes, and an abundance of natural light. Double French doors open to a private den/home office, complete with built-in shelving. Storage is exceptional throughout the home, with walk-in closets in every bedroom, additional den storage, and a convenient closet tucked beneath the stairs. At the heart of the home is the chef's kitchen, featuring 42-inch upper cabinetry with crown molding, granite countertops, tile backsplash, stainless steel appliances including a wine refrigerator, breakfast bar with pendant lighting, and an oversized center island with additional dining space. A custom built-in hutch adds even more storage and character while creating the perfect space for entertaining. Upstairs, the expansive primary suite feels like a private retreat, beginning with its own foyer and opening to a generous bedroom with a separate sitting area. The ensuite bath features a garden soaking tub, oversized walk-in shower, dual-sink vanity with dedicated makeup space, and a large walk-in closet enhanced with California Closet storage. Two generously sized secondary bedrooms share a convenient Jack-and-Jill bathroom, while the upstairs laundry room includes built-in cabinetry and a utility sink. Enjoy Florida's indoor-outdoor lifestyle from the private pavered and fenced patio, perfect for relaxing, grilling, or entertaining. The 2-car garage is complemented by an oversized driveway long enough to accommodate trucks and SUVs, with additional guest parking conveniently located nearby. Enjoy the ease of maintenance-free living, with landscaping maintenance and water included in the HOA. The home is just steps from a neighborhood park and playground overlooking the lagoon and a short walk to the MiraBay clubhouse and community amenities. Located in the sought-after MiraBay community in Apollo Beach, residents enjoy a resort-style waterfront lifestyle with a clubhouse, pools, fitness center, tennis and pickleball courts, basketball, parks, playgrounds, walking trails, and opportunities for kayaking and paddleboarding. Convenient access to shopping, dining, I-75, Tampa, MacDill Air Force Base, and the greater Tampa Bay area makes this an exceptional opportunity for those seeking a luxury townhome in Apollo Beach, maintenance-free home in MiraBay, or resort-style Florida living. Luxury, space, convenience, and the MiraBay lifestyle come together at 5518 Luminar Pointe Ln—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,623
Sqft
0.07 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$133
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.
$3,366 /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
$3,366/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
−29.9%
$/sqft vs Apollo Beach actives
$133 vs $217
Days on market
0 vs 56 typical
Where $133/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)
223 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 16% 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 5518 LUMINAR POINTE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$496,999
755 STEEL DRIVE
4 bd · 3.5 ba · 2,652 sqft · $187/sqft · 36 DOM
Sold · Oct ’25$481,500
727 STEEL DRIVE
4 bd · 3.5 ba · 2,652 sqft · $182/sqft · 109 DOM
Sold · Jan ’26$513,999
720 STEEL DRIVE
3 bd · 2.5 ba · 2,652 sqft · $194/sqft · 75 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
Erwin Vazquez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5518 LUMINAR POINTE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5518 LUMINAR POINTE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Erwin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5518 LUMINAR POINTE LANE FAQs
What would the monthly payment be for 5518 LUMINAR POINTE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,366/mo — principal and interest, the actual property-tax bill, the $516/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 5518 LUMINAR POINTE LANE?+
The association fee works out to $516 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5518 LUMINAR POINTE LANE?+
The most recent tax bill on record (2025) was $5,740. 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 5518 LUMINAR POINTE LANE?+
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 $349,490, this home is listed about 29% below the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5518 LUMINAR POINTE LANE?+
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
01Under the APOLLO BEACH 33572 market on paper
$349,490 is 16% below the APOLLO BEACH 33572 median of $415,000, and at $133/sqft it sits under the Apollo Beach average of $260.
02Know the monthly fee
The association fee is $516/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
03Fresh on the market
Listed today 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.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Gene Batronie. MLS #TB8549456.
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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