421 Islebay Drive, Apollo Beach, FL 33572
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 20, 2026, 421 Islebay Drive in Mirabay Ph 1B-1/2A-1/3B-1, Apollo Beach is listed at $1,100,000 (3,341 sq ft, about $329 per sq ft). That is 40% below Mirabay Ph 1B-1/2A-1/3B-1's median closed sale of $1,820,000 over the last 12 months (7 recorded sales). Per square foot it is below the community's recent $451/sq ft by about 27%. It has been 19 days on market. Listing facts: built in 2004, waterfront, HOA dues of $16/mo, a CDD assessment of about $5,130/yr. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- CDD assessment ~$5,130/yr
- Built 2004 · 22 yrs
- 3,341 sq ft of living area
- 2-car garage
- Listed at $1,100,000 — recent neighborhood median sale price ~$1,820,000 (nearby sales; deemed reliable, not an appraisal)
- 19 days on market
- HOA $16/mo (per listing)
About this home
Virtually Staged. 421 ISLEBAY DR, APOLLO BEACH, FL 33572 | 4 BEDROOMS + OFFICE + LOFT | 3.5 BATHROOMS | 3,341 SQ. FT.
| 70 FT SALTWATER CANAL | PRIVATE DOCK | 10,000 LB BOAT LIFT | FIRST-FLOOR PRIMARY At 421 Islebay Drive, the Florida waterfront lifestyle begins in your own backyard. Set on 70 feet of saltwater canal frontage in MiraBay, this 4-bedroom, 3.5-bath home pairs 3,341 sq. ft.
of living space with a private 29x4 dock with electric and a 10,000 lb boat lift. From time on the water to evenings on the covered lanai, the home is designed around enjoying life by the canal. Inside, the two-story layout gives everyone room to spread out while keeping the primary suite and dedicated office on the first floor.
The main living area brings the kitchen and family room together in an open layout, complemented by a custom feature wall, electric fireplace and built-in shelving. Luxury vinyl flooring runs through the living areas and bedrooms. The kitchen is ready for everyday meals and entertaining with stone counters, a center island, breakfast bar, pantry, natural gas cooktop and 2025 KitchenAid appliances, including a built-in oven with air fryer.
The first-floor primary bedroom has a walk-in closet and tray ceiling, while the en-suite bath has marble flooring, split vanities, stone counters, a garden tub and separate shower. Upstairs, three additional bedrooms and a 16x13 loft create flexible space beyond the main living areas. Two full baths serve the second floor, including a Jack-and-Jill bath.
Updated bathrooms add marble flooring, new vanities and updated lighting. Important improvements add even more value: dual A/C systems replaced in 2024, water heater replaced in 2024, KitchenAid appliances added in 2025, and a new metal roof section completed in 2026 alongside the approximately 5-year-old shingle roof. French doors lead outside to a covered lanai, patio and fenced yard overlooking the canal.
The concrete seawall, private dock and boat lift put the water at the center of daily life, whether you are heading out by boat or simply unwinding beside the canal. MiraBay extends the lifestyle beyond the property with a clubhouse, fitness center, community pool, tennis courts, parks, playground, golf-cart-approved streets and community boat ramp. The required HOA is $190 annually, and the home is connected to public water, public sewer and natural gas.
* WHAT THE SELLER LOVES Having the boat right behind the house makes it easy to enjoy time on the water, while the fenced yard and covered lanai create a comfortable place to relax outdoors. The first-floor primary suite, dedicated office, upstairs loft, updated bathrooms and major 2024-2026 improvements make the home easy to enjoy day to day, with MiraBay's recreation and waterfront lifestyle just beyond the front door.
All 6 photos
Description provided by 27NORTH REALTY and reproduced from the MLS; not independently verified.
Provided 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.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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $6,093/mo 77%
- Taxes $962/mo 12%
- Insurance $458/mo 6%
- HOA $16/mo 0%
- CDD $428/mo 5%
$7,957/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
What it really costs to own 421 Islebay Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| CDD / special assessments | This listing reports $5,130/yr in CDD or special-district assessments on the tax bill (MLS, TaxOtherAnnualAssessmentAmount). |
|---|---|
| HOA dues | $16/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Hillsborough County is $1,816/yr (6,518 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $4,000–$8,000/yr; neither is a quote. |
| Roof and age | Built in 2004. An original roof would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date. |
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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.
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.
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.
Internet & broadband
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 broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Mirabay Ph 1B 1 2A 1 3B 1 market
How this home is priced against recent nearby sales, and where Mirabay Ph 1B 1 2A 1 3B 1 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.
Price vs. size in Mirabay Ph 1B 1 2A 1 3B 1
Each dot is a closed sale since 2015 (31 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2021–2026. This home lists at $329/sq ft.
Median sale price by year
12-month median closed price, 2021–2026.
This home’s history
- 2004BuiltPer public record
- About Sep 2026Listed (per MLS)MLS reports 19 cumulative days on market as of October 20, 2026
- Sep 30, 2026First seen on movewithmomentum.comObserved at $1,100,000
- 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.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in MIRABAY PH 1B-1/2A-1/3B-1 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.
Median of these 6 sales: $1,820,000 ($451/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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.
Directional estimate — built from 20 comparable closed sales in MIRABAY PH 1B-1/2A-1/3B-1 (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,984 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-20.
Actual list price: $1,100,000 ($329/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 43% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot — this listing is waterfront; water frontage is priced far off nearby averages.
- Carrying costs & concessions — this home carries HOA dues of $16/mo and a CDD assessment of about $5,130/yr; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: 19 days on market vs. a 30-day community median
- 4 active listings competing
- ≈2.2 months of supply
- 12 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
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 20, 2026.
Momentum Property Score
92/100 is exceptional 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.
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.
The Momentum read
🟠 Seller-leaning conditions around this listing. 2.2 months of supply in the surrounding market and 19 days on market for this home, against a 30-day area median.Days on market:this home 19Area median: 30 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2015 through 2026. As of September 20, 2026.
🟡 Asking $329 per square foot, about 27% below the community’s $451 median. Mirabay Ph 1B 1 2A 1 3B 1’s 12-month median sold price per square foot is $451. Median sold price per square foot is up 54.9% year over year. Confidence: Low · 7 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
77% of homes in Mirabay Ph 1B 1 2A 1 3B 1 are owner-occupied. An estimated 23% are non-owner-occupied, including 1% held in a company or trust and 8% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 211 homes matched. Community-level context.
Recent Mirabay Ph 1B 1 2A 1 3B 1 sales closed near 89.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 2 active listings in Mirabay Ph 1B 1 2A 1 3B 1.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 20, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by 27NORTH REALTY · MLS # TB8553235
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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.
Assigned schools
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.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 421 Islebay Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2004 (22 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $16/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $5,130/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- 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 3,341 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 $11,550/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.
Data sources & freshness
| Listing record | Stellar MLS, checked against the MLS hourly (last: October 20, 2026) |
| Comparable sales | Stellar MLS closed sales in MIRABAY PH 1B-1/2A-1/3B-1, last 18 months, as of September 20, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | 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.
Frequently asked questions
How big is 421 Islebay Drive and when was it built?
Per the listing record, 421 Islebay Drive was built in 2004 and has 3,341 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 421 Islebay Drive in?
421 Islebay Drive is in Mirabay Ph 1B-1/2A-1/3B-1 in Apollo Beach, Hillsborough County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 421 Islebay Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $16 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $5,130 per year; confirm the exact figure with the county.
Why might property taxes on 421 Islebay Drive differ from the current owner's?
The estimate on this page (about $11,550 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.
Are short-term rentals allowed at 421 Islebay Drive?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 421 Islebay Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
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.
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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.
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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.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.