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$615,000

5321 SANDY SHELL DRIVE, APOLLO BEACH, FL 33572

3D Tour
Active22 days on market

Beds

4

Baths

3

Sq Ft

3,513 sq ft

Year Built

2007

Lot Size

0.22 acres

Garage

3

About This Property

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 and not in a FLOOD ZONE? 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. This waterfront home does not require flood insurance! 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.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8541554
StatusActive
Year Built2007
Stories2
Total Rooms3
ConstructionBlock
RoofShingle
FoundationSlab
FacesWest
SubdivisionHARBOUR ISLES PH 1
CountyHillsborough
OwnershipFee Simple

Interior Features

InteriorEating Space 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
FlooringCarpet, Ceramic Tile, Laminate
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryLaundry Room
WindowsBlinds
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.22 acres (9,375 sq ft)
Lot Dimensions75 x 125
Road SurfaceAsphalt
ViewPool, Water

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground
SpaIn Ground

Waterfront

WaterfrontYes
FeaturesLake, Pond

Utilities

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

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$120 / Annually
Senior CommunityNo

Financial Details

List Price$615,000
Annual Taxes$9,277 (2025)
FinancingAssumable, Cash, Conventional, FHA, VA Loan
ZoningPD
Parcel #U33311981P00002100011.0

Directions

From I-75, take exit 246. Follow Big Bend Rd. Turn left onto US 41. Turn left onto Spindle Shell Way. Turn right onto Sandy Shell Dr. Home is on the left.

Location

5321 SANDY SHELL DRIVE, APOLLO BEACH, FL 33572

Listing Information

OfficeREAL BROKER, LLC
ListedSeptember 8, 2026

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Home Price

$615,000

20% ($123,000)
6.75%

Loan Term

Principal & Interest$3,191
Property Tax (est.)$564
Insurance (est.)$150
Total Monthly$3,905
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How to Buy This Home

Multiple financing options available for this $615,000 home in APOLLO BEACH.

🏛️

FHA Loan

$21,525 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

$30,750 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: October 1, 2026.

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