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Heated pool and spa, tranquil pond views, and a brand-new 2024 roof — this beautifully updated 5-bedroom, 4-bathroom home in Apollo Beach's sought-after Harbour Isles community delivers the Florida lifestyle without the to-do list. With 3, 295 square feet, a 3-car garage, and a flexible floor plan that lives like six bedrooms, this move-in-ready home offers space, quality, and true peace of mind. Major updates are already done for you: new roof (2024), upstairs A/C (2023), fresh interior and exterior paint, newly updated stainless steel kitchen appliances, a new 50-gallon water heater (2026), and luxury vinyl plank flooring throughout the second floor — upgrades that mean lower maintenance worries and easier insurability from day one. A Guardian security system adds convenience and protection. The first floor is built for flexibility. In addition to the formal dining room and a spacious family room overlooking the pool, a generous living room sits adjacent to a full bathroom — ideal as an in-law or guest retreat, home office, or easy 6th-bedroom conversion for multigenerational living. A separate flex room with pool views works beautifully as a game room, playroom, media room, or second office. At the heart of the home, the kitchen is designed for everyday living and effortless entertaining: granite countertops, abundant cabinetry, a large center island with built-in wine storage, a wine cooler, walk-in pantry, all-new stainless appliances, and a sunny breakfast nook opening to the covered lanai. Outside is your private Florida retreat. The screened, heated pool and spa overlook a peaceful pond framed by mature trees — no rear neighbors, just waterfront views and stunning sunsets from morning coffee to evening swims. Upstairs, the oversized primary suite offers a large walk-in closet and a beautifully appointed en-suite bath with dual vanities, a glass-enclosed walk-in shower, and a relaxing garden tub. Four additional bedrooms complete the second floor, including a private guest suite with its own full bathroom. A first-floor laundry room with washer, dryer, and built-in shelving, plus overhead storage racks in the 3-car garage, round out the practical touches. Harbour Isles residents enjoy resort-style amenities — clubhouse, community pool, fitness center, basketball and sand volleyball courts, playgrounds, walking trails, a fishing pier, and boat/RV storage — all for an HOA of only about $100 per year. Minutes from US-41 and I-75, you're an easy drive to Tampa, MacDill AFB, Gulf beaches, and the marinas and waterfront dining that make Apollo Beach special. Space, upgrades, water views, and one of the lowest HOAs in the area — schedule your private showing today.
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$649,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
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 |
|
|---|---|---|---|
| Loan Amount | $519,200 | $519,200 | $519,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.125% | 6.750% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.374% | 6.902% | 6.118% |
| Monthly Tax Payment | $910 | $910 | $910 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,155 | $3,368 | $4,346 |
| Total Monthly Payment | $4,157 | $4,370 | $5,348 |
* 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.