5431 Sandy Shell Dr, photo 1
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Overview

4 bd2 ba2,603 sqft2 car garageSingle Family
TypeSingle Family
HOA$120/yr
Built2008
Lot11,554 sqft
Living area2,603 sqft
Price / sqft$217
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCeiling Fans(s)Kitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsSplit Bedroom

5431 Sandy Shell Dr is a 2008-built home in Harbour Isles Ph 1, Apollo Beach. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,603 square feet of living space. Listed at $564,900 (about $217/sqft), 248 days on market. Flood zone X, AE - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $120 annually.

From the listing

4-bedroom | 2-bathroom | 2,603 sq. ft | Heated pool | Hurricane Impact Windows | Whole House Generator| Owned 500-gallon buried propane tank | 63 feet of pond frontage|Community RV and Boat Storage| Imagine coming home from a busy day, to a peaceful expansive pond view while unwinding in the heated pool and catching one of Florida’s beautiful sunsets. Situated on ¼-acre with 63 feet of pond frontage in peaceful Harbour Isles, this property offers noticeable space between homes and a true sense of privacy. This move in ready home has been thoughtfully upgraded for Florida living with IMPACT-RATED windows (2023) and a WHOLE HOUSE GENERATOR (2025) connected to an owned, buried 500-gallon propane tank – no wrestling with storm shutters or weeks without power here. Other improvements include an architectural ROOF (2022), HVAC system (2021), WATER HEATER (2020), blown-in attic insulation, and a reclaimed water irrigation system. Inside, luxury vinyl plank flooring flows throughout the open-concept main living areas, offering both style and durability. The large kitchen features generous counter space—highlighted by an expansive center island—complete with granite surfaces, solid wood cabinetry, and stainless steel appliances to create a functional and inviting space for everyday living and entertaining. The versatile floor plan offers 4 bedrooms, including a flexible 4th bedroom ideal for a home office, den, or guest suite. The fully fenced backyard features a 10x10 (Tuff) Shed with electricity and an open patio featuring a motorized awning, creating a perfect space for outdoor living and entertaining in the Florida climate. Harbour Isles, with a LOW $10 monthly HOA, is known for its quiet residential feel and spacious homesites, making it a strong option for buyers seeking peaceful living in South Shore Tampa Bay while still enjoying easy access to everyday conveniences. Just minutes from E.G. Simmons Regional Park, residents can enjoy boating, kayaking, fishing, and scenic waterfront trails. COMMUNITY AMENITIES include a clubhouse, resort-style pool, fitness center, basketball and volleyball courts, playground, sidewalks throughout the neighborhood, and a community storage lot where residents can rent space for their BOAT or RV for a small monthly fee. Convenient Apollo Beach location with quick access to I-75, US-41, and Hwy 301, making commuting to Tampa, MacDill AFB, Brandon, Bradenton, and Sarasota easy while still enjoying a relaxed coastal lifestyle near marinas, waterfront dining, and outdoor recreation.

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The essentials

Built
2008
Price / sqft
$217
On market
248 days
Annual tax
$9,168
HOA
$120/yr
Flood zone
X, AE · Low risk
Lot
11,554 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
Waterfront
Pond
Private pool
Heated
2 car garage
Driveway
0.27 acres
Lot size

Payment

Est. monthly payment
$4,002/mo
Down payment (20%)
$112,980
Property taxes
$764/mo
HOA
$120/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
11,554 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Pool
Gunite, Heated, In Ground, Screen Enclosure
Waterfront
Pond
Days on Market
248
Built-in Features
Ceiling Fans(s)
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Stone Counters
Walk-in Closet(s)
Awning(s)
Lighting
Private Mailbox
Rain Gutters
Sidewalk
Storage
Deed Restrictions
Fitness Center
Irrigation-reclaimed Water
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Doby Elementary-HB
Middle
Eisenhower-HB
High
Lennard-HB

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file In a CDD (Community Development District) Flood Zone X, AE
Annual Tax (2025)
$9,168
Parcel #
U-33-31-19-81P-000023-00004.0

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Harbour Isles Ph 1
County
Hillsborough
MLS Area
33572 - Apollo Beach / Ruskin
Lot Size
11,554 sqft
In CountyOversized LotSidewalkPaved
HOA
$120/yr
Wise Property Management

Price history

Date
Event
Price
9/24/2026
Price change
Source: Stellar MLS #TB8474243
$564,900-0.9%
$217/sqft
-
Price change
Source: Stellar MLS #TB8474243
$569,900-9.5%
$219/sqft
2/6/2026
Listed for sale
Source: Stellar MLS #TB8474243
$630,000+0.6%
$242/sqft
7/22/2022
Sold
Source: Hillsborough County Public Record
$626,000
$240/sqft

Neighborhood

5431 Sandy Shell Dr
Apollo Beach, FL, 33572 · 33572 - Apollo Beach / Ruskin

Market insights

Offer Insights

Choose an offer strength

List price: $564,900
$560,000 – $564,900
98.9% – 100% of listTops out right at the list price
80% of listList price
158 of the last 315 home closings in 33572 landed at this number or higher (50%). The median one sat 53 days before it went under contract, and this one is on day 248 after a $65,100 cut.

Sample: 315 closed home sales in 33572 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$4,003/mo
Principal & interest$2,946
Property taxes$764
Insurance$282
HOA$10
Down payment20% · $112,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$564,900

$217 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,603 sq ft

Time on market

248 days

Year built

2008

Monthly payment

About $4,002/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,168 annual tax bill, insurance, and the $120/yr HOA fee.

HOA fee

$120/yr

Managed by Wise Property Management.

Flood zone

Zone X, AE

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byFLORIDA EXECUTIVE REALTY 2Listing agent: Jennifer SparacinoListing data from Stellar MLS, MLS# TB8474243.

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