5331 SANDY SHELL DRIVE, APOLLO BEACH, FL, 33572
Active3 days on marketListed Jul 17, 2026MLS #O6424457
About this home
5331 SANDY SHELL DRIVE
VR tour available. Seller offering up to $22,733 toward buyer closing costs, prepaid expenses, and/or an interest rate buydown. Welcome to Harbour Isles, where this move-in ready 4-bedroom, 2.5-bath home offers 3,653 square feet of two-story living, a 3-car garage, and peaceful pond views. Recent updates include a refreshed kitchen with granite countertops and new stainless steel appliances, updated baths with a new granite dual-sink primary vanity, garden tub, and separate shower, fresh interior paint, new bedroom carpet, and new lighting and blinds. Dual HVAC systems have been professionally serviced, and a durable metal roof and 2022 water heater add lasting, low-maintenance value. The main level offers formal living and dining rooms and a spacious family room open to the kitchen, with tile and wood-look flooring throughout. Upstairs, an oversized loft and a private primary suite overlook the water, along with three additional bedrooms, each with a walk-in closet. Out back, a covered patio faces the tranquil pond. Residents of the gated Harbour Isles community enjoy a resort-style pool, clubhouse, and fitness center. Conveniently located near US-41, I-75, shopping, dining, schools, marinas, and Gulf beaches. Buyer incentive available with Seller's preferred lender; subject to lender approval and the terms in the executed contract.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
3,653
Sqft
0.26 ac
Lot size
3
Garage
2008
Year built
Two
Levels
$146
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,571 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,571/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−8.9%
$/sqft vs HARBOUR ISLES PH 1
$146 vs $187
Days on market
3 vs 56 typical
Where $146/sqft sits among the 7 homes for sale in HARBOUR ISLES PH 1
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Apollo Beach
Drive times from this address
Get to know Apollo Beach. See the full Apollo Beach guide →
APOLLO BEACH 33572 — neighborhood snapshot
Population
25,045
Median age
43.8
Median income
$113,775
Median home value
$430,900
Avg household
2.59
Households w/ children
3,126
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apollo Beach market
$450K → $472K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
5 of 7
HARBOUR ISLES PH 1 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 5331 SANDY SHELL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$670,000
5304 SANDY SHELL DRIVE · same community
6 bd · 3.5 ba · 3,756 sqft · $178/sqft · 64 DOM
Sold · Sep ’25$695,200
317 ROYAL BONNET DRIVE · same community
4 bd · 4 ba · 3,424 sqft · $203/sqft · 56 DOM
Sold · May ’26$405,000
5402 CORAL SHELL WAY · same community
4 bd · 3 ba · 3,117 sqft · $130/sqft · 117 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5331 SANDY SHELL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5331 SANDY SHELL DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
5331 SANDY SHELL DRIVE FAQs
What would the monthly payment be for 5331 SANDY SHELL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,571/mo — principal and interest, the actual property-tax bill, the $8/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 5331 SANDY SHELL DRIVE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5331 SANDY SHELL DRIVE?+
The most recent tax bill on record (2025) was $12,216. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5331 SANDY SHELL DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Apollo Beach?+
At $534,900, this home is listed about 9% above the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5331 SANDY SHELL DRIVE?+
Shields Middle School (middle), Lennard High School (high), Cypress Creek Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PROPERTY LOGIC RE · Mark D'Italia. MLS #O6424457.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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