1004 SAGO PALM WAY, Apollo Beach, FL, 33572 | $649,000

Under contract-accepting backup offers. WATERFRONT POOL HOME with PRIVATE DOCK, BOAT LIFT, NO HOA, and DIRECT ACCESS to Tampa Bay (NO BRIDGES!) in highly desirable Apollo Beach. This beautifully renovated four-bedroom, two-bathroom pool home captures everything people love about Florida living—sunshine, water views, and spaces designed for gathering with family and friends. From the moment you arrive, the home has an inviting presence, with clean lines, fresh finishes, and a sense that every detail has been thoughtfully updated. Inside, the home opens to a bright and welcoming interior where large windows allow natural light to pour into the living spaces. Neutral paint tones and elegant wood-look tile flooring run throughout the home, creating a seamless flow that feels both modern and comfortable. Plantation shutters add a touch of timeless charm while providing privacy and effortless control of the abundant natural light. The heart of the home is the beautifully renovated kitchen, designed with both everyday living and entertaining in mind. Crisp white cabinetry offers generous storage, while stainless steel appliances and expansive counter space make meal preparation a pleasure. The breakfast bar creates the perfect spot for casual dining, morning coffee, or conversation while dinner is being prepared, and the open layout keeps the kitchen connected to the surrounding living areas so no one ever feels far from the action. The four-bedroom layout provides flexibility for a variety of lifestyles. The primary suite offers a peaceful retreat at the end of the day, while the additional bedrooms provide comfortable space for family members, guests, or even a home office. Step outside, and the home truly begins to shine. The spacious covered patio is designed for relaxed outdoor living, complete with an outdoor kitchen that makes it easy to host weekend barbecues or sunset dinners overlooking the water. Just beyond, the sparkling private pool is surrounded by a generous deck with plenty of room for lounge chairs, creating a backyard that feels like your own personal resort. Follow the view down to the canal where your private boat dock awaits. Equipped with a lift, kayak launcher, and electrical service, it’s ready for days spent out on the water. From here, the canal provides easy access out to Tampa Bay, making spontaneous sunset cruises, fishing trips, or waterfront dining just part of everyday life. Homes that combine a full renovation, a private pool, and direct boating access to Tampa Bay with no bridges are a rare find. If you're looking for an investment opportunity, it is turnkey/ready-to-go for short-term rentals (AirBNB, VRBO, etc. ) and the seller can provide rental history and transferrable listings upon request. Here, you’ll discover a property that doesn’t just offer a place to live—it offers a lifestyle defined by water, sunshine, and the simple pleasure of coming home to a view that never gets old.

Features

  • Rooms: 13
  • Bedrooms: 4
  • Baths: 2 full
  • Lot Size: 75 x 120
  • Laundry: Inside, Laundry Room
  • Year Built: 1975
  • Garage: 2-car Boat, Driveway, Garage Door Opener, Workshop in Garage
  • Heating: Central, Electric, Heat Pump
  • Cooling: Central Air, Mini-Split Unit(s)
  • Approx Sq. Feet: 1,677
  • Acreage: 0.21
  • Lot Size: 75 x 120
  • Est. Taxes: $5,129
  • Lot Desc: Flood Insurance Required, FloodZone, In County, Level, Near Marina, Street Dead-End
  • View: Pool, Water
  • Water Front: Yes
  • Elem. School: Apollo Beach-HB
  • Middle School: Eisenhower-HB
  • High School: Lennard-HB
  • Pool: Gunite, Heated, In Ground, Lighting
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Range, Range Hood, Refrigerator, Tankless Water Heater, Washer, Water Softener
  • MLS#: TB8496310
  • Days on Market: 8 days
  • Website: https://www.raveis.com
    /prop/TB8496310/1004sagopalmway_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 5/22/2026 4:17:12 PM)
Listing courtesy of Compass Florida LLC   Phone: 305-851-2820

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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

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1004 SAGO PALM WAY, Apollo Beach, FL, 33572

$649,000

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 $519,200 $519,200 $519,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.490% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.474% 6.640% 5.972%
Monthly Tax Payment $427 $427 $427
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,197 $3,278 $4,311
Total Monthly Payment $3,716 $3,797 $4,830

* 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.