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49
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435 Islebay DRIVE, Apollo Beach, FL 33572
$974,900 Asking Price
$---/mo Est. Payment Get Prequalified »
4
beds
4
baths
3,283
sqft
Built in
2005
Welcome to your Florida oasis in the picturesque MiraBay community, where waterfront living meets everyday convenience. This Key West-style home offers the perfect blend of coastal charm and practicality, making it ideal for those who love kayaking, paddle boarding, jet skiing, or cruising the bay in your 17-foot Boston Whaler or Grady-White—all from your private dock. Inside, the home features 4 bedrooms, an office/den, a spacious loft, and 3.5 bathrooms, offering plenty of room for both relaxation and entertaining. The first-floor master suite is a serene retreat with direct access to the screened-in pool and lush landscaped yard, which includes large side yards and a fenced, turfed area with planter boxes—perfect for gardening or play. The heart of the home is the chef’s kitchen, equipped with stainless steel appliances, which opens to a light-filled living room. French doors lead you out to the expansive covered patio and backyard, creating a seamless indoor-outdoor living experience. Recent updates, including a new roof (2022), HVAC (2023), and solar panels (2024), ensure this home is as efficient as it is beautiful, helping to keep energy bills low. Upstairs, you’ll find three additional bedrooms, a Jack and Jill bathroom, another full bathroom, and a versatile loft space, providing ample space for family or guests. While the home has been meticulously maintained, it also offers the opportunity for light cosmetic updates, allowing you to personalize it to your taste. MiraBay is known for its resort-style amenities, including a clubhouse, fitness center, swimming pool, tennis courts, and scenic walking trails. With its golf-cart-friendly streets, low annual HOA fees ($157/year), and a vibrant, social community, this neighborhood offers the best of Florida living at a reasonable price. Additionally, this property comes with a LOW ASSUMABLE flood insurance policy at just $843/year—saving you thousands compared to a new policy (quoted over $7K a year!). For added value, the seller is offering a PREFERRED LENDER INCENTIVE: up to $7,650 in closing cost credit or rate buy down with their preferred lender. This home is perfect for those seeking a well-built, well-maintained residence with room for personal touches. Whether you're relocating from a colder state, looking for a vacation retreat, or simply yearning for the water-front Florida lifestyle, this MiraBay gem is ready to welcome you home!
Features & Amenities
Interior
- General:
- Built-in Features, Cathedral Ceiling(s), Ceiling Fan(s), Eating Space In Kitchen, High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Thermostat, Walk-In Closet(s)
- Rooms:
- Den/Library/Office, Formal Dining Room Separate, Loft
- Appliances:
- Built-In Oven, Dishwasher, Disposal, Dryer, Electric Water Heater, Kitchen Reverse Osmosis System, Microwave, Refrigerator, Water Softener
- Laundry:
- Inside, Laundry Room
- Flooring:
- Bamboo, Tile, Hardwood
- A/C:
- true, Central Air
- Heating:
- true, Electric
- Fireplace:
- Living Room, Fireplace
- Eco/Green Feature:
- Solar
Exterior
- General:
- French Doors, Irrigation System, Lighting, Sidewalk
- Pool:
- In Ground, Screen Enclosure
- Parking:
- Driveway
Construction
- Roofing:
- Shingle
- Windows:
- Blinds
- General:
- Block, HardiPlank Type, Wood Frame, Two, Slab
Location
- Road/Access:
- Paved
- HOA Amenities:
- Basketball Court, Clubhouse, Fitness Center, Gated, Park, Pickleball Court(s), Playground, Pool, Tennis Court(s), Community Pool, Maintenance Grounds, Security, 157.0, Annually
- Originating MLS:
- Stellar MLS
- County:
- Hillsborough
Lot
- Zoning:
- PD, MIRABAY PHASE 1B-1/2A-1/3B-1 LOT 14 BLOCK 24, U29311964800002400014.0
- View:
- Water
Utilities
- Utilities:
- BB/HS Internet Available, Cable Available, Electricity Connected, Natural Gas Connected, Public, Sewer Connected, Solar, Water Connected, Photovoltaics Seller Owned
- Water:
- Public
- Sewer:
- Public Sewer
Financial
- Source:
- Stellar MLS
This listing courtesy of:
COMPASS FLORIDA, LLC, Danielle Morrison
Monthly Payment
Disabled 10% or more?
Used a VA Loan before?
Eligible for BAH?
Do you have dependents?
Your BAH amount is for the military housing area.
Loan term (number of years)
Property taxes are generally around 1.2% of the home’s value, but may vary based on location.
Annual homeowners insurance is typically 0.35% of the home’s value but can vary based on insurer.
$---
Est. Payment *
- Principal & Interest $--
- Taxes $--
- Insurance $--
- VA Funding Fee $--
$--- Est. Payment - $--- BAH = $--- Remaining
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About Apollo Beach, FL
Housing
- Number of Units
- 10,489
- Median Home Value
- $300,340
- Median Rent
- $1,552
17.97% of housing units are renter occupied.
9.59% are vacant.
Commute
- Car
-
53.28%
- Public Transportation
-
0.01%
- Walk to Work
-
0.11%
- Work from Home
-
46.11%
- Other
-
0.46%
The median travel time to work is 20 minutes.
People
- Population
- 22,874
- Median Age
- 44.20
- Median Household Size
- 2.88
Education
- High School
-
20.88%
- Associate’s Degree
-
10.23%
- Bachelor’s Degree
-
27.61%
- Graduate Degree
-
16.93%
Disclaimer: Community and Demographic information uses data from the U.S. Census Bureau but is not endorsed or certified by the Census Bureau.
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