CENTURY 21 Edge
$1,100,0004 bd3.5 ba3,341 sqft$329 /sqft≈$8,196 /mo all-in ↓

421 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572

Active13 days on marketListed Sep 30, 2026MLS #TB8553235

WaterfrontSingle Family ResidenceMIRABAY PH 1B-1/2A-1/3B-1

About this home

421 ISLEBAY DRIVE

Virtually Staged. 421 ISLEBAY DR, APOLLO BEACH, FL 33572 | 4 BEDROOMS + OFFICE + LOFT | 3.5 BATHROOMS | 3,341 SQ. FT. | 70 FT SALTWATER CANAL | PRIVATE DOCK | 10,000 LB BOAT LIFT | FIRST-FLOOR PRIMARY At 421 Islebay Drive, the Florida waterfront lifestyle begins in your own backyard. Set on 70 feet of saltwater canal frontage in MiraBay, this 4-bedroom, 3.5-bath home pairs 3,341 sq. ft. of living space with a private 29x4 dock with electric and a 10,000 lb boat lift. From time on the water to evenings on the covered lanai, the home is designed around enjoying life by the canal. Inside, the two-story layout gives everyone room to spread out while keeping the primary suite and dedicated office on the first floor. The main living area brings the kitchen and family room together in an open layout, complemented by a custom feature wall, electric fireplace and built-in shelving. Luxury vinyl flooring runs through the living areas and bedrooms. The kitchen is ready for everyday meals and entertaining with stone counters, a center island, breakfast bar, pantry, natural gas cooktop and 2025 KitchenAid appliances, including a built-in oven with air fryer. The first-floor primary bedroom has a walk-in closet and tray ceiling, while the en-suite bath has marble flooring, split vanities, stone counters, a garden tub and separate shower. Upstairs, three additional bedrooms and a 16x13 loft create flexible space beyond the main living areas. Two full baths serve the second floor, including a Jack-and-Jill bath. Updated bathrooms add marble flooring, new vanities and updated lighting. Important improvements add even more value: dual A/C systems replaced in 2024, water heater replaced in 2024, KitchenAid appliances added in 2025, and a new metal roof section completed in 2026 alongside the approximately 5-year-old shingle roof. French doors lead outside to a covered lanai, patio and fenced yard overlooking the canal. The concrete seawall, private dock and boat lift put the water at the center of daily life, whether you are heading out by boat or simply unwinding beside the canal. MiraBay extends the lifestyle beyond the property with a clubhouse, fitness center, community pool, tennis courts, parks, playground, golf-cart-approved streets and community boat ramp. The required HOA is $190 annually, and the home is connected to public water, public sewer and natural gas. ***** WHAT THE SELLER LOVES Having the boat right behind the house makes it easy to enjoy time on the water, while the fenced yard and covered lanai create a comfortable place to relax outdoors. The first-floor primary suite, dedicated office, upstairs loft, updated bathrooms and major 2024-2026 improvements make the home easy to enjoy day to day, with MiraBay's recreation and waterfront lifestyle just beyond the front door.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,341

Sqft

0.17 ac

Lot size

2

Garage

2004

Year built

Two

Levels

$329

Per sqft

WaterfrontFireplaceTrees/Woods & Water viewPets allowed

Inside

FlooringLuxury Vinyl · Marble · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Ice Maker · Microwave · Range · Range Hood · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesWest
ParkingDriveway · Garage Door Opener · Ground Level
ExteriorFrench Doors · Hurricane Shutters · Irrigation System · Lighting · Private Mailbox · Private Yard · Rain Gutters · Sidewalk

Community & fees

HOA fee$16/mo
Taxes (2025)$20,059/yr
PetsBreed Restrictions, Cats OK, Dogs OK, Number Limit, Yes
CommunityBay/Harbor Front · Boat Slip · Canal Front · Community Boat Ramp · Dock · Fishing · Lake · Waterfront · Association Recreation - Owned · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Handicap Modified · No Truck/RV/Motorcycle Parking · Park · Playground · Pool · Restaurant · Sidewalks · Special Community Restrictions · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Fiber Optics · Natural Gas Connected · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
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.

$8,196 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,936
PMI (est., until 20% equity)$413
Property tax — 2025 actual bill$1,672
HOA fee — from the listing$16
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $110,000Loan30-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% · $110,000
Interest rate6.00%
Loan term

Estimated payment

$8,196/mo

Principal & interest$5,936
PMI (est., until 20% equity)$413
Property taxes (actual bill)$1,672
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 $1.1M
$698KedgeAI estimate $807,960 · range $727K–$889K$1.1M

vs edgeAI estimate

+36.1%

$/sqft vs Apollo Beach actives

$329 vs $218

Days on market

13 vs 83 typical

Where $329/sqft sits among the 352 Apollo Beach actives

125
117
29
28 · this home
17
36
$142–198$198–254$254–310$310–366$366–422$422+

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 Tampa≈ 30 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 seller — 4.6 months of inventoryBuyer’s market

$460K → $466K

Apollo Beach median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

212 of 352

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 169% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

Sep 30, 2026Listed at $1,100,000 · 13 days on market since
2004Built · MIRABAY PH 1B-1/2A-1/3B-1

Reality check

What actually sold near 421 ISLEBAY DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

405 ISLEBAY DRIVESold · Nov ’25

$525,000

405 ISLEBAY DRIVE · same community

5 bd · 3.5 ba · 3,351 sqft · $157/sqft · 118 DOM

528 ISLEBAY DRIVESold · Jun ’26

$865,000

528 ISLEBAY DRIVE · same community

5 bd · 4 ba · 3,304 sqft · $262/sqft · 69 DOM

435 ISLEBAY DRIVESold · Sep ’26

$752,500

435 ISLEBAY DRIVE · same community

4 bd · 3.5 ba · 3,283 sqft · $229/sqft · 132 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.

Bridget McLennon

Your agent

Bridget McLennon

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 421 ISLEBAY 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 421 ISLEBAY DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

421 ISLEBAY DRIVE FAQs

What would the monthly payment be for 421 ISLEBAY DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,196/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 421 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 421 ISLEBAY DRIVE?+

The most recent tax bill on record (2025) was $20,059. 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 421 ISLEBAY DRIVE?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $1,100,000, this home is listed about 132% above the Apollo Beach median of $474,444. The market section on this page shows how the area is trending.

Which schools are assigned to 421 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

$1,100,000 runs 169% above the APOLLO BEACH 33572 median — but at 3,341 sqft it's also 56% 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.

Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8553235.

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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