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825 Manns Harbor Drive | 5 Bedrooms | 4. 5 Bathrooms | 4, 648 Sq Ft | Waterfront | MiraBay
There is a specific stretch of MiraBay that residents wait years for the chance to call home. Bordered by the Wolf Creek Nature Preserve and situated on a rare 100-foot-wide waterfront lot lined with mature palms, 825 Manns Harbor Drive offers a combination of privacy, water frontage, and protected views that is difficult to find anywhere else in the community. The peaceful setting, long water views, and natural backdrop create an environment that simply cannot be replicated.
The floor plan is thoughtful from front to back. An oversized office sits at the front of the home, set apart from the main living areas and ideal for working from home or quiet reading. The chef's kitchen features solid wood cabinetry, quartz countertops, a gas cooktop with custom hood, double ovens, stainless steel appliances, and a custom-built great room bar. The oversized center island is complemented by illuminated cabinetry and a true butler's pantry complete with a vegetable sink, and walk-in storage. The primary suite is located on the main level and features a giant walk-in shower, dual vanities, and a custom closet organization system. The remaining bedrooms are generously sized with large closets and dedicated bath access, while custom wall details are woven throughout the home. Storage has been thoughtfully incorporated at every turn.
Upstairs, the home opens up in unexpected ways. The full-sized family loft is framed by nearly wall-to-wall picture windows capturing expansive views across the MiraBay lagoon. A dedicated movie theater room with full surround sound creates a private entertainment space for family and guests. The second-floor balcony faces west and is perfectly positioned to enjoy sunsets over the preserve each evening. The home is wired for smart home functionality throughout.
Outside, more than 700 square feet of covered outdoor living and entertaining space extends the home's living area. The screened lanai surrounds a heated pool and spa overlooking deep water views and includes a dedicated pool bath for convenience. The composite dock is equipped with water, electricity, and a 13, 000-pound lift. Additional features include true wood flooring, smart technology, surround sound, a custom stair railing, a three-car garage, and a tile roof. The HVAC system was serviced in May 2026.
MiraBay's HOA is approximately $190 yearly and includes two heated pools, a 24-hour fitness center, tennis courts, pickleball courts, basketball courts, a kayak launch, and a full calendar of community events. Residents can access the MiraBay Shopping Plaza by golf cart. The community is elevated, and flood insurance rates are often lower than many surrounding waterfront neighborhoods.
What the Seller Loves
"What I will miss most is the morning. Sitting on the lanai with a cup of coffee, the preserve behind us and the water in front of us, there is no noise except the birds and the occasional boat heading out to the bay. The palms give this property a feeling that is completely unique. We chose this location within MiraBay very deliberately, and it delivered everything we hoped it would. The outdoor kitchen made every weekend feel like an event, and the boat lift meant Tampa Bay was never more than a few minutes away. Watching the sunset over the preserve from the balcony never got old. This home was built to be lived in fully, and we did exactly that. "
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NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
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|---|---|---|---|
| Loan Amount | $1,920,000 | $1,920,000 | $1,920,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.750% | 6.000% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.228% | 6.086% | 6.183% |
| Monthly Tax Payment | $1,968 | $1,968 | $1,968 |
| H/O Insurance Payment | $125 | $125 | $125 |
| Initial Principal & Interest Pmt | $11,205 | $11,511 | $16,202 |
| Total Monthly Payment | $13,298 | $13,604 | $18,295 |
* 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.