Single Family Residence in HAMMOCK BAY, APOLLO BEACH · No CDD on record · Built 2026
HAMMOCK BAY · Apollo Beach, FL 33572 · Hillsborough County
Listing data updated October 18, 2026 at 6:48 AM ET · checked against the MLS hourly
Listed by CENTURY 21 BEGGINS ENTERPRISES (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
4.5Bathrooms
4,362Sq Ft
2026Year Built
$511Per Sq Ft
Waterfront3-car garageNew constructionNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
120% above
$/sq ft vs community
$511 here vs $232 median sold (12 mo)
Buyer leverage
Balanced market
135 days on market
Zone AE
Flood risk
Confirm requirements with FEMA; ~7 ft elevation
$5k–$10k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 18, 2026, 3 Hammock Bay Blvd in Hammock Bay, Apollo Beach is listed at $2,228,500 (4,362 sq ft, about $511 per sq ft). It has been 135 days on market. Listing facts: new construction, waterfront. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2026
4,362 sq ft of living area
3-car garage
Listed at $2,228,500 — recent neighborhood median sale price ~$1,000,000 (nearby sales; deemed reliable, not an appraisal)
135 days on market
Listing description
About this home
One or more photo(s) has been virtually staged. Pre-Construction. To be built.
Photos of a similar model with featured upgrades. Welcome to Hammock Bay - Apollo Beach's final new waterfront home community. This exclusive gated neighborhood features private roads and deepwater access to Tampa Bay, offering the perfect combination of privacy, freedom, and coastal luxury.
Hammock Bay includes 47 homesites, with 46 positioned directly on the water. Lot sizes average 75 feet wide by 150 to 190 feet deep, providing generous front and rear yards rarely found in the area. No CDD fees and low HOA costs mean more flexibility and long-term value.
Buyers have the freedom to select their own builder, provided they meet community development standards. Lots 1-22 require a minimum of 3,500 sq. ft.
of living area, while Lots 23-46 require a minimum of 4,500 sq. ft. Each homesite offers ample room to design and build a custom residence suited to your lifestyle.
The community offers quick, deepwater access to Tampa Bay, ideal for boating, fishing, and waterfront dining. Site development is underway and progressing quickly, with final plat completion expected in January 2026. Home construction may begin once the final plat is recorded, and owners will have two years after closing to commence building.
Don't miss this rare opportunity to own new waterfront property in Apollo Beach. Contact us today for available lots, pricing, and to schedule a private site tour.
All 6 photos
Description provided by CENTURY 21 BEGGINS ENTERPRISES and reproduced from the MLS; not independently verified.
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Listing agent: Amber Mills · 813-658-2121Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$2,228,500
Bed / bath4 / 4.5
Living area4,362 sq ft
Year built2026
Property typeSingle Family Residence
Garage3-car
MLS #TB8440951
Listing status135 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~7 ft
CountyHillsborough
Area listings2 active · 0 under contract
Estimated first-year tax~$23,399/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Price per sq ft$511
Estimated monthly payment$14,879
Insurance (illustrative)$5k–$10k/yr
Messtimate range$833,142 – $1,513,614
Comparable-sales median$1,000,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$14,879/mo
Principal & interest $12,344/mo83%
Taxes $1,950/mo13%
Insurance $585/mo4%
$14,879/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$23,399/yr
Estimate: a typical Hillsborough effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$5k–$10k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~7 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Hillsborough County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Hillsborough County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Coastal floodingRelatively High
Inland floodingRelatively High
Heat waveRelatively High
WildfireRelatively Moderate
TornadoVery High
LightningVery High
Strong windRelatively Moderate
DroughtRelatively Moderate
HailRelatively High
Cold waveVery High
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · HAMMOCK BAY
Pricing & the HAMMOCK BAY market
How this home is priced against recent nearby sales, and where HAMMOCK BAY has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2026BuiltPer public record
About Jun 2026Listed (per MLS)MLS reports 135 cumulative days on market as of October 18, 2026
Jul 10, 2026First seen on movewithmomentum.comObserved at $2,228,500
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $2,228,500Momentum Realty · on market 135 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Sep 2026
$1,050,000
5910 LA ROSA LANE, APOLLO BEACH
4 / 4.5 bd/ba · 4,367 sq ft · $240/sq ft
Courtesy of 27NORTH REALTY · View details →
Sold Apr 2026
$1,500,000
912 SYMPHONY BEACH LANE, APOLLO BEACH
5 / 4.5 bd/ba · 4,321 sq ft · $347/sq ft
Courtesy of 27NORTH REALTY · View details →
Sold May 2026
$3,100,000
6528 SURFSIDE BOULEVARD, APOLLO BEACH
3 / 4 bd/ba · 4,428 sq ft · $700/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Oct 2025
$805,000
6305 MARBELLA BOULEVARD, APOLLO BEACH
4 / 3.5 bd/ba · 4,294 sq ft · $187/sq ft
Courtesy of KELLER WILLIAMS SOUTH SHORE · View details →
Sold Apr 2026
$814,900
6112 JENSEN VIEW AVENUE, APOLLO BEACH
5 / 5 bd/ba · 4,272 sq ft · $191/sq ft
Courtesy of KEYS REALTY REDEFINED LLC · View details →
Sold Sep 2025
$950,000
1408 ALHAMBRA DRIVE, APOLLO BEACH
4 / 5 bd/ba · 4,254 sq ft · $223/sq ft
Courtesy of ALIGN RIGHT REALTY SOUTH SHORE · View details →
Median of these 6 sales: $1,000,000 ($232/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$1,251,900the mess$1,877,600
Directional estimate — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,977 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-18.
Actual list price: $2,228,500 ($511/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in the model.
The lot — this listing is waterfront; water frontage is priced far off nearby averages.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
2 active listings competing
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 18, 2026.
Momentum Scores
Momentum Property Score
22/100
Strongest on: Flood safety (45), Insurance cost (45)
0 limited50100 exceptional
22/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $511/sq ft vs the community 12-month median $232/sq ft.
Affordability0
List price $2,228,500 vs the community median $1,000,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~7 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2026 build. Obtain a property-specific quote.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $511 per square foot, about 120% above the community’s $232 median. HAMMOCK BAY’s 12-month median sold price per square foot is $232. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 2 active listings in HAMMOCK BAY, no CDD assessment.
Updated October 18, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 3 HAMMOCK BAY BLVD?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by CENTURY 21 BEGGINS ENTERPRISES · MLS # TB8440951
Request a showing
Keep looking
Similar homes for sale near HAMMOCK BAY
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
Carbon dioxide terminal planned at Seaport Manatee for proposed biomethanol plant
Aptamus Carbon Solutions will plan a CO2 terminal and marine transport system at Seaport Manatee tied to Demeter Energy's proposed biomethanol plant. The plant would produce about 100,000 metric tons of biomethanol and capture about 200,000 metric tons of CO2 yearly. Cost and timeline were not disclosed.
Why it matters: Planned industrial and port activity could add maritime and industrial employment at the port. The site is about 12 miles southwest of Hammock Bay.
New Wimauma middle school under construction, to open August 2027
A new grades 6 through 8 school on West Lake Drive in Wimauma is under construction, and the school board is set to choose its name from three finalists. It is intended as a pathway to Aquilla J. Morgan High School. Districtwide enrollment fell from 183,015 to 171,553 over the last year.
Why it matters: A new public middle school adds local school capacity in one of southern Hillsborough's fastest-growing areas. The project is about 7 miles east of Hammock Bay, elsewhere in Hillsborough County.
ONE Tampa condo tower tops out at 42 stories with nearly 70% of units sold
Kolter Urban's 42-story tower at North Ashley Drive and East Twiggs Street has 225 residences and is capped at 649 feet by aviation limits. Closings are expected to begin in the third quarter of 2027. About 5,000 square feet of ground-floor restaurant space is planned.
Why it matters: New downtown condo inventory and ground-floor dining add housing choices and walkable amenities near Curtis Hixon Waterfront Park. The project is about 14 miles north of Hammock Bay, elsewhere in Hillsborough County.
Tampa advances $1.999 million design contract for Picnic Island coastal restoration
Tampa selected HDR Engineering to design a nature-based shoreline plan including living breakwaters, a living shoreline and reinforced dunes. The contract covers design and permitting only, over 458 days, funded by a state resiliency grant. Construction is not yet funded or scheduled.
Why it matters: Shoreline work aims to reduce flood and erosion exposure for Port Tampa City and add park and trail amenities. The project is about 11 miles northwest of Hammock Bay, elsewhere in Hillsborough County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Hillsborough County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Apollo Beach-HBAssigned elementary school · Hillsborough County School District
GRADEC
Eisenhower-HBAssigned middle school · Hillsborough County School District · Grade C (Florida DOE 2025-26)
GRADEB
Lennard-HBAssigned high school · Hillsborough County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 3 Hammock Bay Blvd, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Hillsborough County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 4,362 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $23,399/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 18, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of August 10, 2026
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3 Hammock Bay Blvd and when was it built?
Per the listing record, 3 Hammock Bay Blvd was built in 2026 and has 4,362 sq ft of living area, 4 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3 Hammock Bay Blvd in?
3 Hammock Bay Blvd is in Hammock Bay in Apollo Beach, Hillsborough County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Why might property taxes on 3 Hammock Bay Blvd differ from the current owner's?
The estimate on this page (about $23,399 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3 Hammock Bay Blvd in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3 HAMMOCK BAY BLVD in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
