542 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572
Active9 days on marketListed Oct 14, 2026MLS #TB8557899
About this home
542 ISLEBAY DRIVE
Waterfront home in a gated community of MiraBay, with direct access to Tampa Bay! The saltwater canal leads straight to the bay with no bridges or lifts in the way. Out back, the screened backyard has direct access to the private dock and 13,000 lb boat lift, so your boat is always ready to go. This single-story home, has 4 bedrooms, 3 baths, a flex room with built-ins and French doors, a 2-car garage, and 3,167 square feet of living space. A covered front porch and a stained glass front door welcome you in. New vinyl plank flooring runs through all main living areas, and the inside has fresh paint and updated light fixtures. The open floor plan joins the kitchen, dining area, and living room. The updated kitchen has new quartz countertops, new cabinets, a new backsplash, a gas cooktop on the island, a wall oven, stainless steel gas appliances, and a breakfast bar. A formal dining room with a tray ceiling gives you even more room to gather. The primary suite is large and has a sitting area and a big walk-in closet with built-ins. The upgraded primary bath has a copper soaking tub, a walk-in shower, and double sinks. The laundry room has a deep sink, and the washer and dryer stay with the home. The screened lanai is made for time outdoors. It has a paver patio, a natural gas fire pit, artificial turf, and an outdoor kitchen with a grill and a bar counter. There is no pool, but there is room to add one, buyer to verify. The shingle roof was replaced in 2024. If you’ve been dreaming of moving into paradise, this is the one you’ve been waiting for. This is truly a family-friendly community with lots to do, every day. As a resident of this gated resort-style coastal community, you will feel like you are on vacation every day. This home is located in the Beautiful waterfront, resort-style community of MiraBay!!!! This resort-style community has a community clubhouse, heated-resort-style Olympic swimming pool, 136 ft water slide, parks, 3 playgrounds, gym, cafe with a full liquor license, basketball courts, tennis courts, fitness center, 135-acre lagoon where you can rent kayaks and paddle away, and much, much more. You will feel like you’re living in a 5-star resort! This community has it all. This home is centrally located and convenient to Tampa, Orlando, Bradenton, Sarasota, and St. Petersburg where you can experience the best Florida beaches, shopping, and entertainment. The Florida lifestyle you've been dreaming of awaits you. Paradise awaits! Call today for your private showing. All information is deemed reliable but not guaranteed. Buyers are encouraged to conduct their own due diligence and independent inspections prior to closing. Equal Housing Opportunity.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,167
Sqft
0.18 ac
Lot size
2005
Year built
One
Levels
$311
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.
$8,450 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$8,450/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+4.9%
$/sqft vs Apollo Beach actives
$311 vs $219
Days on market
9 vs 74 typical
Where $311/sqft sits among the 345 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 → $466K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
201 of 345
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 136% 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 542 ISLEBAY DRIVE
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$902,500
5517 MERRITT ISLAND DRIVE · same community
5 bd · 3 ba · 3,172 sqft · $285/sqft · 71 DOM
Sold · Aug ’26$1,220,000
539 ISLEBAY DRIVE · same community
4 bd · 3 ba · 3,054 sqft · $399/sqft · 233 DOM
Sold · 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.
Your agent
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 542 ISLEBAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 542 ISLEBAY DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
542 ISLEBAY DRIVE FAQs
What would the monthly payment be for 542 ISLEBAY DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $8,450/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 542 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 542 ISLEBAY DRIVE?+
The most recent tax bill on record (2025) was $20,479. 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 542 ISLEBAY 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 $984,900, this home is listed about 109% above the Apollo Beach median of $471,890. The market section on this page shows how the area is trending.
Which schools are assigned to 542 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
$984,900 runs 136% above the APOLLO BEACH 33572 median — but at 3,167 sqft it's also 48% 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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Christine Nargi. MLS #TB8557899.
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.
Never miss a listing
New Apollo Beach homes, in your inbox
Like 542 ISLEBAY DRIVE but not quite? A daily digest of every new listing in Apollo Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kathy to ping you on any price or status change →