7442 OXFORD GARDEN CIR, APOLLO BEACH, FL, 33572
Active6 days on marketListed Oct 6, 2026MLS #TB8555555
About this home
7442 OXFORD GARDEN CIR
Virtually Staged. COVINGTON GARDENS — INVESTOR OPPORTUNITY! Welcome to this inviting 3-bedroom, 2-bath home offering comfortable living, desirable features. A screened front porch provides a welcoming entry and a great spot to enjoy the Florida breeze. Inside, the kitchen features granite countertops, maple-tone cabinetry, tile flooring, a decorative nook, and French doors with integrated blinds leading to the backyard. The living and dining areas feature attractive laminate flooring, while decorative plant ledges provide additional space to showcase your personal style. Ceiling fans throughout the home and window blinds add comfort and privacy. The spacious primary suite features a walk-in closet and private bath with a relaxing garden tub/shower combination. Located in a natural gas community, the home features a gas furnace, dryer connection. Step outside to the fenced backyard overlooking the pond, complete with an extended concrete patio offering plenty of space for grilling, outdoor dining, and entertaining. Covington Gardens offers a low HOA and CDD, an impressive selection of community amenities, including swimming pools, clubhouse with facilities, fitness center, tennis courts, soccer fields, walking paths, playgrounds, Clock Tower Park, and community activities. Conveniently located near shopping, dining, entertainment, and I-75 for easy commuting. INVESTOR OPPORTUNITY: Property is tenant-occupied with an existing lease through May 1, 2027. Buyer to assume and honor the existing lease, subject to its terms and applicable requirements. Property is being sold AS-IS.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,180
Sqft
0.1 ac
Lot size
2004
Year built
One
Levels
$252
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.
$2,571 /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
$2,571/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
+7.7%
$/sqft vs Apollo Beach actives
$252 vs $217
Days on market
6 vs 83 typical
Where $252/sqft sits among the 350 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)
211 of 350
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 27% 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 7442 OXFORD GARDEN CIR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$510,000
706 GRANDHAVEN WAY · same community
4 bd · 3 ba · 1,904 sqft · $268/sqft · 37 DOM
Sold · Nov ’25$305,000
9814 LEMON DROP LOOP
3 bd · 2 ba · 1,451 sqft · $210/sqft · 82 DOM
Sold · Feb ’26$300,000
9402 LEMON DROP LOOP
3 bd · 2 ba · 1,451 sqft · $207/sqft · 108 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 7442 OXFORD GARDEN CIR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7442 OXFORD GARDEN CIR — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7442 OXFORD GARDEN CIR FAQs
What would the monthly payment be for 7442 OXFORD GARDEN CIR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,571/mo — principal and interest, the actual property-tax bill, the $10/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 7442 OXFORD GARDEN CIR?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7442 OXFORD GARDEN CIR?+
The most recent tax bill on record (2025) was $6,188. 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 7442 OXFORD GARDEN CIR?+
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 $297,900, this home is listed about 37% below 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
01Under the APOLLO BEACH 33572 market on paper
$297,900 is 27% below the APOLLO BEACH 33572 median of $410,000, and at $252/sqft it sits under the Apollo Beach average of $256.
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 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 RE/MAX BAYSIDE REALTY LLC · Danna Frost. MLS #TB8555555.
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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