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638 Manns Harbor Drive | 3 Bedrooms | 3 Bathrooms | Office/Den | 2, 571 Sq Ft | Custom Build | MiraBay
MiraBay in Apollo Beach is home to this custom-built residence on a deep conservation lot with unobstructed views of Wolf Creek Nature Preserve directly behind the home and a wildlife-rich pond along the side. The setting offers genuine privacy in both directions, with no rear neighbors and a natural backdrop that changes with the seasons. The property is fully fenced and sits within MiraBay's gated community, where the HOA runs approximately $190/year and covers two heated pools, a 24-hour gym, tennis, pickleball, basketball, a kayak launch, and a full activity calendar, all accessible by golf cart through the community and directly to the MiraBay Shopping Plaza.
Inside, soaring tray ceilings and 8-foot interior doors with 8-inch baseboards establish the scale of the build. The great room anchors the main living space and features a built-in wine and coffee bar that makes entertaining feel effortless. The living area opens fully to the preserve through 10-foot telescopic sliding glass doors that retract completely, and the large covered outdoor area is protected by SPF hurricane-rated screens and fully plumbed for a future outdoor kitchen. Whether you are watching osprey over the preserve in the morning or taking in the sunset from the lanai in the evening, the connection between this home and its natural setting is constant and unhurried.
The kitchen is built around 48-inch soft-close cabinetry with clean, smooth lines, a Verona oven and cooktop, high-end appliances throughout, and a waterfall quartz island with under-island storage. There is no carpet anywhere in the home. All three full bathrooms have been finished with custom floor-to-ceiling imported porcelain tile, and the primary suite includes a walk-through wet room with 8 wall jets, 2 overhead rain showers, 2 hand-spray heads, and a freestanding soaking tub. Custom closets by Closets by Design are throughout, and new custom blinds and roller shades have been added in every room. The office and den is enclosed with glass French doors, making it a fully functional and visually open workspace. A newly installed 300-pound garage lift provides access to a fully floored, illuminated 500-square-foot attic storage space, a practical feature rarely found at this price point.
The mechanical systems are like new! foam insulation is in place throughout enhancing energy efficiency. The HVAC was recently serviced in May 2026, the water heater is less than one month old, and the entry door is a new hurricane-rated glass panel unit. This home is ready to carry a new owner forward without deferred maintenance or near-term capital concerns.
The community sits in a flood zone, and because the neighborhood is elevated, flood insurance rates here are typically lower than surrounding areas. Homes of this caliber in MiraBay rarely come available, and this one was built with the kind of intention that shows up in every room. Schedule your private showing and come see what custom really looks like.
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William Raveis Mortgage, LLC
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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 | $623,200 | $623,200 | $623,200 |
| 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 | $1,014 | $1,014 | $1,014 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,837 | $3,935 | $5,175 |
| Total Monthly Payment | $4,943 | $5,041 | $6,281 |
* 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.