6451 SUNSET BAY CIRCLE, Apollo Beach, FL, 33572 | $479,000

BETTER THAN WHEN IT WAS BUILT! From new tile, epoxy, and luxury vinyl plank floors to updated fans, fixtures, and other finishes, this thoroughly renovated townhome towers 4 stories above the waterfront in the upscale boating enclave of Sunset Bay! Your Florida lifestyle here can be truly low-maintenance -- not only because the 37-home association handles exterior work, water bills, pest control, flood insurance, and the exclusive residents pool beside the boat dock, but also because this unit has updated HVAC, LED lighting, quartz counters, stainless-steel appliances, fresh paint throughout, and more. (Current owners bought it a year ago to provide professional restoration from AC water damage during a vacant period. Today it really is improved from its start in 2005. ) Nearly 3, 100 SF, with a personal elevator in addition to stairs, includes 3 bedroom suites with 3 private baths plus a huge 4th-floor bonus of 2 rooms flexible for a 4th bed retreat, office, fitness center, entertainment loft, or whatever you may imagine. You'll find the kitchen, dining, and living rooms with a hallway lavatory on the 2nd floor, featuring a quartz-top dry bar in the dining area to complement the kitchen's quartz and wood style. These rooms with crown molding angle back toward a balcony porch looking southeast over the community's central pond. Like the balcony above it, part of the elegant 3rd-floor owner's suite, this sheltered outdoor space also boasts new tile, fans and screen. Below the balconies at ground level, an open 1st-floor porch with new epoxy floor gives you further options as well as a back door to the impressive garage, also newly epoxied. This garage is much larger than its single-wide overhead door suggests; it's a tandem design of more than 700 SF, the size of a 3-car garage, and it comes with internal side entry to the 1st-floor foyer, elevator, staircase and under-stair storage. A 3rd-floor washer/dryer closet, new window blinds, and a leaded-glass front door with sidelights are among other highlights here. Perhaps best of all, you're in Sunset Bay, a security-gated community with dock slips, deep-water canal access right beside the bay, and a great spot along Apollo Beach Boulevard near waterfront dining, shopping, services, recreation options, and easy routes up or down Florida's Gulf Coast!

Features

  • Amenities: Gated
  • Rooms: 8
  • Bedrooms: 3
  • Baths: 3 full / 1 half
  • Laundry: Laundry Closet
  • Style: Contemporary
  • Year Built: 2005
  • Garage: 2-car Driveway, Garage Door Opener, Oversized, Tandem
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,092
  • Acreage: 0.03
  • Est. Taxes: $8,022
  • HOA Fee: $940 Monthly
  • Lot Desc: In County, Landscaped, Near Marina, Unincorporated
  • View: Water
  • Elem. School: Apollo Beach-HB
  • Middle School: Eisenhower-HB
  • High School: Lennard-HB
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Electric Water Heater, Ice Maker, Microwave, Refrigerator
  • MLS#: TB8464366
  • Days on Market: 82 days
  • Website: https://www.raveis.com
    /prop/TB8464366/6451sunsetbaycircle_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 4/18/2026 5:11:58 AM)
Listing courtesy of RE/MAX ALLIANCE GROUP   Phone: 813-259-0000

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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6451 SUNSET BAY CIRCLE, Apollo Beach, FL, 33572

$479,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $383,200 $383,200 $383,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.304% 5.648%
Monthly Tax Payment $669 $669 $669
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,267 $2,328 $3,106
Total Monthly Payment $3,010 $3,071 $3,849

* 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.