ActiveOpen House

5321 Sandy Shell Dr, Apollo Beach, FL, 33572

$175/sqft·Harbour Isles Ph 1

4 bd3 ba3,513 sqft3 car garageSingle Family
Listed by REAL BROKER, LLC· Last updated · MLS# TB8541554

Ask anything about this home

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

Est. monthly payment
$4,298/mo
Down payment (20%)
$123,000
Property taxes
$773/mo
HOA
$120/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2007
Waterfront
Pond
Private pool
In Ground
3 car garage
Garage Door Opener
9,375 sqft lot
Lot size

Open house

Thursday, Sep 17· 9:00 PM to 11:00 PM

About this home

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsSolid Wood CabinetsSplit BedroomStone Counters

5321 Sandy Shell Dr is a 2007-built home in Harbour Isles Ph 1, Apollo Beach. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,513 square feet of living space. Listed at $615,000 (about $175/sqft), 1 days on market. Flood zone X500* - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $120 annually.

From the listing

Virtually Staged. Looking for a spacious POOL HOME in Apollo Beach with room to truly spread out—and the potential to assume an incredible 2.75% INTEREST RATE? Welcome to 5321 Sandy Shell Drive, a 5-bedroom, 2.5-bath POND-FRONT HOME offering an impressive 3,513 square feet, a private POOL AND SPA, large covered lanai, 3-CAR GARAGE and .22-acre lot in the desirable Harbour Isles community. The seller's existing loan may be ASSUMABLE AT 2.75% for qualified buyers, subject to lender approval and loan assumption requirements. From the moment you step inside, the size of this home stands out. Large windows across the back frame beautiful views of the pool and pond, bringing the Florida lifestyle right into your everyday living space. At the heart of the home is a HUGE 20' x 14' KITCHEN with plenty of room to cook, gather and entertain, opening to a spacious great room overlooking the water. Need more room? You have it. Formal living and dining rooms provide additional entertaining space, while the large loft offers endless possibilities for a media room, home office, game room or second living area. The MASSIVE 20' x 22' PRIMARY BEDROOM creates a private retreat, and four additional bedrooms offer exceptional flexibility for guests, hobbies, work or additional living space. Then step outside to one of this home's best features. The LARGE COVERED LANAI opens to your private POOL AND SPA with a wide POND VIEW beyond it—an inviting setting for morning coffee, evenings outdoors, weekend cookouts or simply enjoying Florida living from your own backyard. Major updates have already been taken care of, including a ROOF AND WATER HEATER approximately one year old, BOTH A/C SYSTEMS REPLACED IN 2020 and NEW CARPET in 2026. And the lifestyle extends beyond your backyard. Harbour Isles offers a COMMUNITY POOL, PLAYGROUND, BASKETBALL COURTS, SAND VOLLEYBALL COURTS and FULL FITNESS CENTER, giving you even more ways to enjoy the community without leaving the neighborhood. With MORE THAN 3,500 SQ FT, FIVE BEDROOMS, multiple living spaces, a POOL AND SPA, POND FRONTAGE, LARGE LOT, 3-CAR GARAGE and the potential for qualified buyers to assume the seller's 2.75% INTEREST RATE, this Apollo Beach home offers a combination that's increasingly difficult to find. If you've been searching for a LARGE APOLLO BEACH POOL HOME with exceptional space, water views, community amenities and a potentially remarkable financing opportunity, 5321 Sandy Shell Drive deserves to be at the top of your list.

The essentials

Built
2007
Price / sqft
$175
On market
3 days
Annual tax
$9,277
HOA
$120/yr
Flood zone
X500* · Low risk
Lot
9,375 sqft
Type
Single Family Residence

Location

5321 Sandy Shell Dr
Apollo Beach, FL, 33572·33572 - Apollo Beach / Ruskin
Type
Single Family Residence
Year Built
2007
Lot
9,375 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener, Oversized
Pool
In Ground
Waterfront
Pond
Days on Market
3
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Rain Gutters
Sidewalk
Clubhouse
Fitness Center
Playground
Pool
Sidewalks
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Homestead exemption on fileIn a CDD (Community Development District)Flood Zone X500*

Annual Tax (2025)

$9,277

Parcel #

U-33-31-19-81P-000021-00011.0

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

9,375 sqft

HOA
$120/yr
Wise Property Management
Date
Event
Price
9/8/2026
Listed for sale
Source: Stellar MLS #TB8541554
$615,000+105.1%
$175/sqft
4/27/2009
Sold
Source: Hillsborough County Public Record
$299,900
$85/sqft
Est. monthly payment$4,298/mo
Principal & interest$3,207
Property taxes$773
Insurance$308
HOA$10
Down payment20% · $123,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee 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.

Offer Insights

Choose an offer strength

List price: $615,000
$610,000 – $615,000
98.9% – 100% of listTops out right at the list price
80% of listList price
131 of the last 260 home closings in 33572 landed at this number or higher (50%). The median one sat 56 days before it went under contract, and this one is on day 3.

Sample: 260 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

Keep exploring Tampa Bay

Pick up where you left off, or see what else is out there.