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One or more photo(s) has been virtually staged. 5515 Golden Isles Dr, Apollo Beach, FL 33572 | 3 Bedroom + Office | 1, 960 Sq Ft | MiraBay
If you've been looking for a home in MiraBay that actually lives as good as it looks, this is the one. Tucked inside the Seacrest area of MiraBay — one of the quietest, most walkable pockets in the community — this updated home sits within easy walking distance of the clubhouse, resort pools, and the walking trails that make this neighborhood feel like a permanent vacation.
Inside, 1, 960 square feet is laid out in a way that just makes sense. The split floor plan gives the primary suite its own space on one side of the home, with two guest bedrooms and a full bath on the other. In between, you have a dedicated office with French doors, a formal dining room, a casual eating nook, and an open kitchen and living area that all flow together naturally. This is a home with real rooms — not just square footage.
The kitchen is well equipped for both everyday cooking and entertaining, with 42-inch upper cabinets, stone countertops, a tile backsplash, stainless steel appliances, a pantry, and a large center island with a breakfast bar. The primary suite has double tray ceilings, a garden tub, glass-enclosed shower, dual sink vanity with makeup counter, and a walk-in closet. Throughout the main living areas, you'll find tile flooring laid in a brick pattern, tray ceilings with shiplap accents, arched entryways, and glass exterior doors that bring in great natural light.
Out back, the screened patio overlooks a private yard with no rear neighbors and a rare view of the largest pond in the community — just peaceful Florida living. Overflow parking is conveniently located nearby for guests.
The big-ticket items are already done: roof replaced in 2022, A/C replaced in 2022, and water heater replaced in 2020. The exterior was freshly painted in 2025.
Here's what makes this listing stand out even more: the HOA covers exterior water and irrigation, landscaping and lawn care, exterior paint, a roof reserve, and periodic exterior pest control. That's a meaningful amount of maintenance taken off your plate every single month.
MiraBay is a gated, golf-cart-friendly community with resort-style pools, a 136-foot water slide, a 135-acre lagoon with community kayaks and paddleboards, a 24-hour fitness center, café, tennis, pickleball, basketball, parks, and walking trails. Easy access to US-41 and I-75 puts Tampa, St. Pete, Sarasota, and the Gulf beaches all within reach.
Homes in the Seacrest area don't come up often. This one has the layout, the location within the community, and the low-maintenance lifestyle to back it up.
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Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $287,999 | $287,999 | $287,999 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.324% | 6.524% | 5.846% |
| Monthly Tax Payment | $447 | $447 | $447 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,704 | $1,797 | $2,372 |
| Total Monthly Payment | $2,226 | $2,319 | $2,894 |
* 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.