5213 MOON SHELL DRIVE, Apollo Beach, FL, 33572 | $399,900

Welcome to 5213 Moon Shell Drive. This house comes with a REDUCED RATE as low as 4. 875% (APR 5. 376%) as of 02/20/2026 through List & Lock™. This is a seller paid rate-buydown that reduces the buyer’s interest rate and monthly payment. Terms apply, see disclosures for more information. Discover comfort, efficiency, and location in this well-maintained three-bedroom, two-bathroom home offering 1, 844 sq. ft. of living space on an oversized lot with a spacious backyard and gorgeous landscaping—perfect for outdoor living and entertaining. This home features a roof replaced just three years ago and enhanced ductwork designed for optimal airflow, ideal for those with sensitivities or seeking improved indoor air quality. The commercial-grade hot water heater, also three years old, adds durability and peace of mind. Enjoy Florida living year-round in the very large insulated lanai, complemented by a screened front porch and an epoxy-finished garage for a clean, polished look. The kitchen includes a new dishwasher and microwave thoughtful upgrades throughout reflect pride of ownership. Ideally located just 1. 5 miles from the Apollo Beach Nature Preserve and public beaches, this home also offers convenient access between Tampa and Sarasota, making commuting or weekend getaways a breeze. Residents benefit from low HOA fees in a desirable coastal community. This is a move-in-ready home that combines space, thoughtful upgrades, and an exceptional location—schedule your private showing today.

Features

  • Amenities: Clubhouse, Fitness Center, Maintenance, Park, Pickleball Court(s), Playground, Pool, Recreation Facilities
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside
  • Year Built: 2009
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,844
  • Acreage: 0.22
  • Est. Taxes: $3,319
  • HOA Fee: $120 Annually
  • Pet Policy: Cats OK, Dogs OK, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Range, Refrigerator, Washer
  • MLS#: A4676842
  • Days on Market: 72 days
  • Website: https://www.raveis.com
    /prop/A4676842/5213moonshelldrive_apollobeach_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/15/2026 5:07:47 AM)

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Daniel.Denton@raveis.com

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Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.DeFlorio@Raveis.com

Our Executive Mortgage Banker:

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Our Insurance Division:

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5213 MOON SHELL DRIVE, Apollo Beach, FL, 33572

$399,900

Daniel Denton

Licensed Real Estate Salesperson

William Raveis Real Estate

Phone: 631.377.9115

Daniel.Denton@raveis.com

Sarah DeFlorio

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.DeFlorio@Raveis.com

NMLS Mortgage Loan Originator ID 1880936

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $319,920 $319,920 $319,920
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.250% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.431% 5.648%
Monthly Tax Payment $277 $277 $277
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,892 $1,970 $2,593
Total Monthly Payment $2,244 $2,322 $2,945

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.