6402 RUBIA CIRCLE, APOLLO BEACH, FL, 33572
Active6 days on marketListed Oct 6, 2026MLS #TB8554642
About this home
6402 RUBIA CIRCLE
Virtually Staged. After an extensive renovation in 2026, we are proud to present 6402 Rubia Circle, an exceptional 4-bedroom, 3.5-bath pool home located in the luxurious, highly sought-after waterfront community of Andalucia in Apollo Beach. Welcome to resort-style Florida living in Andalucia, one of Apollo Beach’s premier 24- hour guard-gated waterfront communities. Thoughtfully renovated inside and out, this move-in-ready residence beautifully blends timeless elegance, modern comfort, and quality craftsmanship. Offering 2,588 square feet of living space, a 3-car garage, four spacious bedrooms, and three-and-a-half baths, this home is designed for both relaxed everyday living and effortless entertaining. A new roof was installed in 2020, and abundant natural light fills the open floor plan, creating a seamless flow throughout the home. At the center of the residence is a stunning, completely reimagined kitchen featuring quartz countertops, stainless steel appliances installed in 2020, abundant cabinetry, and a large island with seating. The spacious family room is anchored by a charming wood- burning fireplace, while the open dining and living areas are enhanced by beautiful new light fixtures. The home’s electrical upgrades in 2026 include new interior LED ceiling lighting and exterior LED soffit lighting with programmable smart switches, adding both style and convenience. The generous primary suite provides a private retreat with an elegant ensuite bath, large walk-in closet, and sliding doors opening directly to the pool deck. A second spacious bedroom offers the privacy of its own ensuite bath, while two additional well- appointed bedrooms share a beautifully renovated hall bath. Step outside to your own private resort. The 2026 newly refinished pool features upgraded jets, lighting, chlorination, and filtration systems, complemented by freshly resurfaced concrete decking and new pool fencing. The 2026 built-in outdoor kitchen creates the perfect backdrop for entertaining, dining al fresco, and enjoying the year- round Florida lifestyle. Other areas that were recently renovated in 2026 include an epoxy-coated garage floor, all-new toilets, fresh interior and exterior paint, an upgraded air-filtration system enhancing the 2017 HVAC system, a sprinkler system overhaul, repaired well system for irrigation, tree trimming, and beautiful new landscaping and plantings. Beyond your private oasis, Andalucia offers an exceptional collection of resort-style amenities. Residents enjoy a clubhouse overlooking Tampa Bay, a waterfront pool with breathtaking sunset views, pickleball, tennis and basketball courts, a playground, and access to a private marina, with boat slips available for rent or ownership. 6402 Rubia Circle is more than a beautifully renovated home—it is an opportunity to embrace the best of the Florida waterfront lifestyle in one of Apollo Beach’s most desirable communities.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,588
Sqft
0.3 ac
Lot size
3
Garage
1996
Year built
One
Levels
$319
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.
$5,307 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,307/mo
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.
vs edgeAI estimate
−25.6%
$/sqft vs Apollo Beach actives
$319 vs $217
Days on market
6 vs 83 typical
Where $319/sqft sits among the 357 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 → $466K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
216 of 357
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 101% 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 6402 RUBIA CIRCLE
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$550,000
6402 RUBIA CIRCLE · same community
4 bd · 2.5 ba · 2,588 sqft · $213/sqft · 95 DOM
Sold · Apr ’26$1,155,000
617 KINGSTON COURT
3 bd · 2.5 ba · 2,530 sqft · $457/sqft · 37 DOM
Sold · Aug ’26$750,000
624 KINGSTON COURT
3 bd · 3 ba · 2,499 sqft · $300/sqft · 78 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6402 RUBIA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6402 RUBIA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6402 RUBIA CIRCLE FAQs
What would the monthly payment be for 6402 RUBIA CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,307/mo — principal and interest, the actual property-tax bill, the $332/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 6402 RUBIA CIRCLE?+
The association fee works out to $332 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6402 RUBIA CIRCLE?+
The most recent tax bill on record (2025) was $643. 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 6402 RUBIA CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 $825,000, this home is listed about 74% above the Apollo Beach median of $474,444. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$825,000 runs 101% above the APOLLO BEACH 33572 median — but at 2,588 sqft it's also 21% larger than the typical Apollo Beach listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Apollo Beach market that averages 83 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS TAMPA CENTRAL · Jill Neuman. MLS #TB8554642.
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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