Single Family Residence in ISLAND CAY, APOLLO BEACH · No CDD on record
ISLAND CAY · Apollo Beach, FL 33572 · Hillsborough County
Listing data updated October 22, 2026 at 7:01 PM ET · checked against the MLS hourly
Listed by AGILE GROUP REALTY (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
2,007Sq Ft
1996Year Built
$448Per Sq Ft
WaterfrontPrivate pool2-car garageNo CDD on record
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.
87% above
$/sq ft vs community
$448 here vs $240 median sold (12 mo)
Buyer leverage
Buyer advantage
531 days on market
$4k–$8k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
424 Island Cay Way in Island Cay, Apollo Beach is listed at $900,000 (2,007 sq ft, about $448 per sq ft). It has been listed May 9, 2025. Listing facts: built in 1996, a private pool, waterfront, HOA dues of $33/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1996 · 30 yrs
2,007 sq ft of living area
2-car garage
Listed at $900,000 — recent neighborhood median sale price ~$479,000 (nearby sales; deemed reliable, not an appraisal)
listed May 9, 2025
HOA $33/mo (per listing)
Listing description
About this home
Under contract-accepting backup offers. High and Dry, NO DAMAGE from Hurricane Helene and Milton!! Exquisite waterfront living awaits you in the private gated community of Island Cay in Apollo Beach!
This stunning home boasts a split floor plan with 3 bedrooms and 2 bathrooms, providing a perfect blend of comfort and style. The primary bedroom retreat is designed for ultimate comfort and convenience, featuring a spacious walk-in closet to accommodate all your wardrobe needs. Wake up to breathtaking water views right from the comfort of your bed.
Unleash your culinary creativity in the spacious kitchen, which was designed for both functionality and style, featuring a generously sized island that serves as the focal point of the room. The huge island not only provides ample counter space for meal preparation but also doubles as a gathering spot for family and friends, making it the heart of your home. In addition to the impressive island, the kitchen boasts a convenient dry bar, adding an extra touch of sophistication to the space.
Enjoy the ultimate outdoor oasis with a private pool, a screened-in lanai, and a boat lift as well as two additional boat slips that can be rented out, providing extra income. The home also has a two-car garage where a portion has been converted into an office which can be easily converted back if needed. Don't miss the opportunity to make this waterfront dream home yours.
Schedule a viewing today and experience the luxury of coastal living at its finest! *Please note all measurements are approximate and not guaranteed, Buyer and Buyers Agent to verify*
Description provided by AGILE GROUP REALTY and reproduced from the MLS; not independently verified.
Listing courtesy of AGILE GROUP REALTY · Listing agent: Taryn Kochera · 813-569-6294Provided 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$900,000
Bed / bath3 / 2
Living area2,007 sq ft
Year built1996
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #TB8370062
Listing statuslisted May 9, 2025
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~8 ft
CountyHillsborough
Area listings0 active · 1 under contract
Estimated first-year tax~$9,450/yr
CDD assessmentNone on record
HOA$33/mo
Calculated estimates
Price per sq ft$448
Estimated monthly payment$6,231
Insurance (illustrative)$4k–$8k/yr
Messtimate range$451,575 – $503,757
Comparable-sales median$479,000
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
$6,231/mo
Principal & interest $4,985/mo80%
Taxes $788/mo13%
Insurance $425/mo7%
HOA $33/mo1%
$6,231/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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.
HOA dues
$33/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 $3,500–$7,500/yr; neither is a quote.
Roof and age
Built in 1996. An original roof would be about 30 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.
Estimated ownership costs
Estimated costs & disclosures
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.)
~$9,450/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)
$4k–$8k/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 not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$33/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~8 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 · Island Cay
Pricing & the Island Cay market
How this home is priced against recent nearby sales, and where Island Cay 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
1996BuiltPer public record
About May 2025Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2025-05-09" data-fmt="dom">listed May 9, 2025</span>)
Jul 10, 2026First seen on movewithmomentum.comObserved at $900,000
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.
Transparency
Price & listing history
Listed for $900,000Momentum Realty · listed May 9, 2025
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 Aug 2026
$300,000
1309 SHERIDAN BAY DRIVE, RUSKIN
4 / 2 bd/ba · 2,010 sq ft · $149/sq ft
Courtesy of RE/MAX REALTY UNLIMITED · View details →
Sold Jun 2026
$458,000
6218 HIDDEN BRANCH DRIVE, APOLLO BEACH
4 / 3 bd/ba · 2,012 sq ft · $228/sq ft
Courtesy of CHARLES RUTENBERG REALTY INC · View details →
Sold Apr 2026
$450,000
6113 SEA AIR DRIVE, APOLLO BEACH
4 / 3 bd/ba · 2,000 sq ft · $225/sq ft
Courtesy of REDFIN CORPORATION · View details →
Sold May 2026
$500,000
1511 ORACLE DRIVE, SUN CITY CENTER
3 / 2.5 bd/ba · 1,996 sq ft · $251/sq ft
Courtesy of SIGNATURE REALTY ASSOCIATES · View details →
Sold Aug 2026
$500,000
6420 TRITON LANE, APOLLO BEACH
4 / 2.5 bd/ba · 1,995 sq ft · $251/sq ft
Courtesy of CHARLES RUTENBERG REALTY INC · View details →
Sold Sep 2026
$795,000
6404 LAKE SUNRISE DRIVE, APOLLO BEACH
3 / 2 bd/ba · 1,993 sq ft · $399/sq ft
Courtesy of 27NORTH REALTY · View details →
Median of these 6 sales: $479,000 ($240/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.
$430,300the mess$645,400
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 2,982 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-20.
Actual list price: $900,000 ($448/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 & updates — a 1996 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot — this listing is waterfront; water frontage is priced far off nearby averages.
The pool — a private pool carries cost and value the model only sees through the comps.
Carrying costs & concessions — this home carries HOA dues of $33/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
1 active listing competing, 1 under contract
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 22, 2026.
Momentum Research
The Momentum read
🟡 Asking $448 per square foot, about 87% above the community’s $240 median. Island Cay’s 12-month median sold price per square foot is $240. 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.
84% of homes in Island Cay are owner-occupied. An estimated 16% are non-owner-occupied, including 4% held in a company or trust and 12% 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), 25 homes matched. Community-level context.
Updated October 22, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by AGILE GROUP REALTY · MLS # TB8370062
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Keep looking
Similar homes for sale near ISLAND CAY
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 · Schools
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 site is about 3 miles northwest of Island Cay.
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 22 miles northwest of Island Cay, 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 21 miles northwest of Island Cay, elsewhere in Hillsborough County.
33-story tower planned for Water Street Tampa expansion
Strategic Property Partners plans a 33-story mixed use tower at Water Street and Cumberland Avenue in downtown Tampa on a 1.9-acre site. The building would hold 452 residential units ranging from studios to three bedrooms plus about 37,000 square feet of retail and 645 parking spaces. Construction is scheduled to begin in spring 2027 with completion targeted for 2029.
Why it matters: Adds a 33 story tower with 452 residential units and ground floor retail to the downtown Tampa market, continuing the buildout of the Water Street district and expanding high rise housing supply. The project is about 21 miles northwest of Island Cay, 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
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 424 Island Cay Way, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1996 (30 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 $33/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 2,007 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 $9,450/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 22, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, 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.
Answered before you ask
Frequently asked questions
How big is 424 Island Cay Way and when was it built?
Per the listing record, 424 Island Cay Way was built in 1996 and has 2,007 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 424 Island Cay Way in?
424 Island Cay Way is in Island Cay in Apollo Beach, Hillsborough County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 424 Island Cay Way have an HOA, and how much are the dues?
The listing reports HOA dues of $33 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 424 Island Cay Way differ from the current owner's?
The estimate on this page (about $9,450 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 424 Island Cay Way 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.
Ready when you are
See 424 ISLAND CAY WAY 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.
