CENTURY 21 Edge
$1,789,0006 bd4 ba4,438 sqft$403 /sqft≈$14,638 /mo all-in ↓

825 ISLEBAY DRIVE, APOLLO BEACH, FL, 33572

Active0 days on marketListed Oct 23, 2026MLS #TB8560854

WaterfrontPrivate poolSingle Family ResidenceMIRABAY PH 3B-2

About this home

825 ISLEBAY DRIVE

825 ISLEBAY DR, APOLLO BEACH, FL 33572 | 6 BEDROOMS | WATERFRONT | PRIVATE POOL | DOCK & 16,000-LB BOAT LIFT | 80 FT CANAL FRONTAGE | OWNED SOLAR Your days can begin with coffee overlooking the water and end with a sunset from the upstairs balcony. At this custom-built MiraBay waterfront home, boating, poolside afternoons and outdoor entertaining are part of everyday life. Set along 80 feet of saltwater canal frontage with Tampa Bay access, the property pairs a private dock with electric and water service and a 16,000-pound boat lift with views toward a nature conservation preserve. Built in 2005, this 6-bedroom, 4-bath residence spans 4,438 heated square feet, with room to gather and spaces to retreat. French doors, high ceilings, crown molding and an open floor plan bring character to the main living areas. A dedicated first-floor office with built-ins creates a separate workspace, while a first-floor bedroom and full bath add flexibility for guests or multigenerational living. The kitchen brings everyone together with an island, breakfast bar, stone counters and solid wood cabinetry. A six-burner gas cooktop, Jenn-Air double ovens, Sub-Zero refrigerator, built-in wine refrigerator and Bosch dishwasher support everything from casual meals to larger celebrations. Built-in speakers throughout the home and patio extend the atmosphere outdoors. Upstairs, the primary suite is a retreat of its own, with wood flooring, a gas fireplace, walk-in closet and French doors to a screened balcony overlooking the water. Its updated bath has a freestanding soaking tub, custom shower, dual vanities and quartzite counters. Additional bedrooms include a Jack-and-Jill bath arrangement and a spacious bedroom with bamboo flooring, walk-in closet, private bath and access to the wraparound balcony. Second-floor laundry with a sink adds everyday convenience. Outside, enjoy the heated in-ground pool, screened and covered outdoor spaces, and a convenient route from pool time to boating time. The dock and lift make it easy to keep the waterfront lifestyle close to home, while the canal and preserve create a memorable setting for outdoor dining or simply unwinding. The home also has owned, paid-in-full solar panels, a mosquito control system, two newer AC units with UV lights and four cooling zones, and a pool heater described by the seller as recently replaced. An oversized two-car garage has epoxy flooring, custom cabinetry and overhead storage, complemented by a paver driveway. MiraBay adds even more ways to enjoy Apollo Beach, with a clubhouse, fitness center, community pools, playground, tennis courts, restaurant, community boat ramp and fishing opportunities. Golf carts are permitted under community rules, connecting another dimension of the neighborhood lifestyle. ***** WHAT THE SELLER LOVES Watching sunsets from the balcony, spotting dolphins, manatees and coastal birds near the preserve, and having the freedom to head out on the boat or spend the afternoon by the pool. It's the combination of water views, outdoor gathering spaces and the MiraBay lifestyle that makes days here feel like a getaway.

Facts & features

The home at a glance

6

Bedrooms

4

Bathrooms

4,438

Sqft

0.21 ac

Lot size

2

Garage

2005

Year built

Two

Levels

$403

Per sqft

Private poolWaterfrontFireplacePool & Water viewPets allowed

Inside

FlooringBamboo · Ceramic Tile · Travertine · Hardwood
AppliancesDishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air
HeatingCentral · Solar

Outside & construction

RoofMetal
ConstructionStucco
FoundationSlab
ViewPool · Water
FacesSoutheast
ParkingDriveway · Garage Door Opener · Ground Level · Oversized
ExteriorBalcony · French Doors · Irrigation System · Lighting · Private Entrance · Private Mailbox · Sidewalk · Sliding Doors

Community & fees

HOA fee$16/mo
Taxes (2025)$30,399/yr
PetsBreed Restrictions, Cats OK, Dogs OK, Number Limit, Yes
CommunityCanal Front · Community Boat Ramp · Dock · Fishing · Water Access · Waterfront · Association Recreation - Owned · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · 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 · Electricity Connected · Fire Hydrant · 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.

$14,638 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$11,258
PMI (est., until 20% equity)$671
Property tax — 2025 actual bill$2,533
HOA fee — from the listing$16
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $178,900Loan30-yr fixed at 7.5%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% · $178,900
Interest rate7.50%
Loan term

Estimated payment

$14,638/mo

Principal & interest$11,258
PMI (est., until 20% equity)$671
Property taxes (actual bill)$2,533
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.

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.

List $1.8M
$1.3MedgeAI estimate $1,464,430 · range $1.4M–$1.6M$1.9M

vs edgeAI estimate

+22.2%

Days on market

0 vs 74 typical

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≈ 33 min
Tampa Int’l Airport (TPA)≈ 45 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 — 4.5 months of inventoryBuyer’s market

$460K → $466K

Apollo Beach median sold, yr/yr

97.3%

Sale-to-list ratio (12 mo)

Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 329% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

Oct 23, 2026Listed at $1,789,000 · 0 days on market since
2005Built · MIRABAY PH 3B-2

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.

Seth Cabrera - Rothschild

Your agent

Seth Cabrera - Rothschild

Realtor · CENTURY 21 Edge

Tours, negotiation, and every question about 825 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 825 ISLEBAY DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

825 ISLEBAY DRIVE FAQs

What would the monthly payment be for 825 ISLEBAY DRIVE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $14,638/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 825 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 825 ISLEBAY DRIVE?+

The most recent tax bill on record (2025) was $30,399. 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 825 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 $1,789,000, this home is listed about 279% 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 825 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

Four things that matter here

01Positioned at the premium end

$1,789,000 runs 329% above the APOLLO BEACH 33572 median — but at 4,438 sqft it's also nearly twice the size of 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.

03Fresh on the market

Listed today in a Apollo Beach market that averages 74 — 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.

Listing courtesy of 27NORTH REALTY · Shawna Calvert. MLS #TB8560854.

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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