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$739,990

916 SPINDLE PALM WAY, APOLLO BEACH, FL 33572

3D Tour
Active239 days on market

Beds

3

Baths

2

Sq Ft

1,863 sq ft

Year Built

2015

Lot Size

0.21 acres

Garage

3

About This Property

Built in 2015 by Schmidt Homes, this elevated waterfront residence delivers the perfect balance of lifestyle, quality, and confidence. Offering 3 bedrooms, 2 baths, and 1,863 square feet of thoughtfully designed living space, the home features impact-rated windows and doors, a spacious three-car garage, and the rare advantage of no HOA and no CDD. The exterior was freshly repainted in 2025, with windows professionally recaulked, reinforcing both curb appeal and long-term peace of mind. Inside, a bright and welcoming entry opens to an open-concept kitchen with a large island overlooking the living area - ideal for everyday living and effortless entertaining. Two guest bedrooms are positioned at the front of the home for privacy, while the generously sized primary suite offers dual walk-in closets and a private bath with dual vanities and a walk-in shower, creating a comfortable and functional retreat. Step outside and fully embrace the Florida waterfront lifestyle. A 26-foot-wide screened lanai overlooks the pavered patio, private dock, and 14,000-lb boat lift, offering direct, bridge-free access to Tampa Bay - perfect for boaters and water enthusiasts. The dock and lift have been recently upgraded with new pole wrappings and lift padding. Mature landscaping enhances backyard privacy and curb appeal, with additional flower beds and curbing added in 2024. Notably, the home remained high and dry during the 2024 hurricanes with no damage or water intrusion. The property may be offered turn-key, with the option to include furnishings, kitchenware, and household essentials - allowing for a seamless transition into waterfront living from day one. Located in Apollo Beach, this home places you in a relaxed coastal community known for navigable canals, stunning sunsets, and an active outdoor lifestyle. Residents enjoy boating, fishing, paddleboarding, and scenic walks at the Apollo Beach Nature Preserve and waterfront park. Everyday conveniences are close by, with shopping, dining, and services nearby, plus additional retail and entertainment options in Riverview and Brandon. Waterfront dining is a local favorite, with several restaurants accessible by boat for a truly coastal experience. Healthcare options include nearby South Bay Hospital, Brandon Regional Hospital, and a wide range of medical providers throughout the South Shore area. With quick access to I-75, commuting to Tampa, Sarasota, and Orlando is easy, and Tampa International Airport is within comfortable driving distance. This home offers a rare opportunity to enjoy secure, low-maintenance waterfront living while staying connected to everything the Tampa Bay area has to offer.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8474317
StatusActive
Year Built2015
Total Rooms6
ConstructionStucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionAPOLLO BEACH UNIT 08 A RESUBDI
CountyHillsborough
OwnershipFee Simple
FurnishedFurnished

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Open Floorplan, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s)
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Disposal, Dryer, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
WindowsStorm Window(s)
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System, Private Mailbox, Sliding Doors
Lot Size0.21 acres (9,148 sq ft)
Road SurfacePaved
0

Waterfront

WaterfrontYes
FeaturesCanal - Saltwater

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$739,990
Original Price$785,000
Annual Taxes$5,974 (2024)
FinancingCash, Conventional, FHA, VA Loan
ZoningRSC-6
Parcel #U2131191SQ00006000142.0

Schools

ElementaryApollo Beach-HB
MiddleEisenhower-HB
HighEast Bay-HB

Directions

APOLLO BEACH BLVD, WEST TO ABACO, RIGHT TO SPINDLE PALM, HOUSE ON RIGHT.

Location

916 SPINDLE PALM WAY, APOLLO BEACH, FL 33572

Listing Information

OfficeCENTURY 21 BEGGINS ENTERPRISES
ListedFebruary 9, 2026

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Home Price

$739,990

20% ($147,998)
6.75%

Loan Term

Principal & Interest$3,840
Property Tax (est.)$678
Insurance (est.)$150
Total Monthly$4,668
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $739,990 home in APOLLO BEACH.

🏛️

FHA Loan

$25,900 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$37,000 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Hillsborough County SHIP

Varies

Income-qualifying Hillsborough residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: July 16, 2026.

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