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Overview

4 bd4 ba2,588 sqft3 car garageSingle Family
TypeSingle Family
HOA$996/qtr
Built1996
Lot13,000 sqft
Living area2,588 sqft
Price / sqft$319
Garage3 car

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

About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit Bedroom

6402 Rubia Cir is a 1996-built home in Flat Island, Apollo Beach. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,588 square feet of living space. Listed at $825,000 (about $319/sqft), 10 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $996 quarterly.

From the listing

Virtually Staged. After an extensive renovation in 2026, we are proud to present 6402 Rubia Circle, an exceptional 4-bedroom, 3.5-bath pool home located in the luxurious, highly sought-after waterfront community of Andalucia in Apollo Beach. This property sustained no damage from any 2024 hurricanes. Welcome to resort-style Florida living in Andalucia, one of Apollo Beach’s premier 24- hour guard-gated waterfront communities. Thoughtfully renovated inside and out, this move-in-ready residence beautifully blends timeless elegance, modern comfort, and quality craftsmanship. Offering 2,588 square feet of living space, a 3-car garage, four spacious bedrooms, and three-and-a-half baths, this home is designed for both relaxed everyday living and effortless entertaining. A new roof was installed in 2020, and abundant natural light fills the open floor plan, creating a seamless flow throughout the home. At the center of the residence is a stunning, completely reimagined kitchen featuring quartz countertops, stainless steel appliances installed in 2020, abundant cabinetry, and a large island with seating. The spacious family room is anchored by a charming wood- burning fireplace, while the open dining and living areas are enhanced by beautiful new light fixtures. The home’s electrical upgrades in 2026 include new interior LED ceiling lighting and exterior LED soffit lighting with programmable smart switches, adding both style and convenience. The generous primary suite provides a private retreat with an elegant ensuite bath, large walk-in closet, and sliding doors opening directly to the pool deck. A second spacious bedroom offers the privacy of its own ensuite bath, while two additional well- appointed bedrooms share a beautifully renovated hall bath. Step outside to your own private resort. The 2026 newly refinished pool features upgraded jets, lighting, chlorination, and filtration systems, complemented by freshly resurfaced concrete decking and new pool fencing. The 2026 built-in outdoor kitchen creates the perfect backdrop for entertaining, dining al fresco, and enjoying the year- round Florida lifestyle. Other areas that were recently renovated in 2026 include an epoxy-coated garage floor, all-new toilets, fresh interior and exterior paint, an upgraded air-filtration system enhancing the 2017 HVAC system, a sprinkler system overhaul, repaired well system for irrigation, tree trimming, and beautiful new landscaping and plantings. Beyond your private oasis, Andalucia offers an exceptional collection of resort-style amenities. Residents enjoy a clubhouse overlooking Tampa Bay, a waterfront pool with breathtaking sunset views, pickleball, tennis and basketball courts, a playground, and access to a private marina, with boat slips available for rent or ownership. 6402 Rubia Circle is more than a beautifully renovated home—it is an opportunity to embrace the best of the Florida waterfront lifestyle in one of Apollo Beach’s most desirable communities.

The essentials

Built
1996
Price / sqft
$319
On market
10 days
Annual tax
$643
HOA
$996/qtr
Flood zone
AE
Lot
13,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 1996
Water views
Pool
Private pool
Auto Cleaner
3 car garage
Driveway
0.30 acres
Lot size

Payment

Est. monthly payment
$5,101/mo
Down payment (20%)
$165,000
Property taxes
$54/mo
HOA
$996/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1996
Lot
13,000 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Garage Faces Side
Pool
Auto Cleaner, Child Safety Fence, Deck, Gunite, In Ground, Lighting, Pool Sweep, Self Cleaning, Tile
Days on Market
10
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Outdoor Grill
Outdoor Kitchen
Sidewalk
Clubhouse
Deed Restrictions
Gated Community - Guard
Pool
Sidewalks
Tennis Court(s)
Street Lights
Bar Fridge
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Wine Refrigerator
Elementary
Apollo Beach-HB
Middle
Eisenhower-HB
High
Lennard-HB

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

Flood Zone AE
Annual Tax (2025)
$643
Parcel #
U-17-31-19-1ST-000002-00018.0

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
Flat Island
County
Hillsborough
MLS Area
33572 - Apollo Beach / Ruskin
Lot Size
13,000 sqft
Flood Insurance RequiredFloodZoneLandscapedNear MarinaSidewalkPaved
HOA
$996/qtr
Samantha Morfa

Price history

Date
Event
Price
10/5/2026
Listed for sale
Source: Stellar MLS #TB8554642
$825,000-2.9%
$319/sqft
5/8/2023
Sold
Source: Hillsborough County Public Record
$850,000
$328/sqft

Neighborhood

6402 Rubia Cir
Apollo Beach, FL, 33572 · 33572 - Apollo Beach / Ruskin

Market insights

Offer Insights

Choose an offer strength

List price: $825,000
$815,000 – $825,000
98.9% – 100% of listTops out right at the list price
80% of listList price
161 of the last 320 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 10.

Sample: 320 closed home sales in 33572 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$5,101/mo
Principal & interest$4,303
Property taxes$54
Insurance$413
HOA$332
Down payment20% · $165,000
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

$825,000

$319 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,588 sq ft

Time on market

10 days

Year built

1996

Monthly payment

About $5,101/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $643 annual tax bill, insurance, and the $996/qtr HOA fee.

HOA fee

$996/qtr

Managed by Samantha Morfa.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byKELLER WILLIAMS TAMPA CENTRALListing agent: Jill NeumanListing data from Stellar MLS, MLS# TB8554642.

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