Front elevation5318 Golden Isles Drive, Apollo Beach, FL 33572
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 26, 2026, 5318 Golden Isles Drive in Mirabay Prcl 7 Ph 2, Apollo Beach is listed at $390,000 (1,750 sq ft, about $223 per sq ft). That sits within a few percent of Mirabay Prcl 7 Ph 2's median closed sale of $370,000 over the last 12 months (26 recorded sales). It has been 31 days on market, well inside the community's typical 120 days. Listing facts: built in 2006, HOA dues of $432/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2006 · 20 yrs
- 1,750 sq ft of living area
- 2-car garage
- Listed at $390,000 — recent neighborhood median sale price ~$370,000 (nearby sales; deemed reliable, not an appraisal)
- 31 days on market
- HOA $432/mo (per listing)
Pricing & the Mirabay market
How this home is priced against recent nearby sales, and where Mirabay 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
Each dot is a closed sale since 2009 (161 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, 2013–2026. This home lists at $223/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 21 (cold).
This home’s history
- 2006BuiltPer public record
- Aug 27, 2026First trackedObserved at $399,900
- Sep 14, 2026Price cut$390,000
- NowActiveCurrently for sale
Build year is from public record. Listing 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.
Estimated monthly payment
- Principal & interest $2,082/mo 69%
- Taxes $341/mo 11%
- Insurance $157/mo 5%
- HOA $432/mo 14%
$3,012/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
57/100 is solid, mid-pack 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.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. 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. 2.3 months of supply in the surrounding market and 31 days on market for this home, against a 120-day area median.Days on market:this home 31Area median: 120 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 2009 through 2026. As of September 20, 2026.
🟡 Asking $223 per square foot, about 7% above the community’s $209 median. Mirabay’s 12-month median sold price per square foot is $209. Median sold price per square foot is down 18.0% year over year. Confidence: High · 26 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.
43% of homes in Mirabay are owner-occupied. An estimated 57% are non-owner-occupied, including 19% held in a company or trust and 14% 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), 163 homes matched. Community-level context.
Recent Mirabay sales closed near 93.5% 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 4 active listings in Mirabay, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 26, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
5318 Golden Isles Drive, Apollo Beach, FL 33572 | 3 Beds | 2 Baths | 1,750 Sq Ft | Fully Renovated 2022 | $150K Updates | 2024 Roof | Chef’s Kitchen | Park-Like Side Yard More than $150,000 in 2022 renovations transformed this Sea Crest villa into a customized one-level home designed for everyday comfort, serious cooking, entertaining, and low-maintenance Florida living. With approximately 1,750 sq. ft., a 2024 roof, extensive interior upgrades, two screened outdoor living areas, and one of the largest yards in Sea Crest, the major work has already been done.
At the center of the home is a true chef’s kitchen created for people who love to cook and gather. Granite counters, added custom counter space, 42-inch cabinetry with beveled crown molding, a custom pantry, built-in dining booth, farmhouse sink, pendant lighting, and exceptional storage make the space highly functional. The appliance package stands out with a GE Profile refrigerator, 36-inch AGA dual-fuel range with true convection, GE dishwasher, wine refrigerator, and Thermador Bluetooth-enabled exhaust system.
Porcelain teak-look flooring runs throughout the home, complemented by nickel-finish lighting and ceiling fans, custom closet and pantry shelving, new toilets, and a new GE Profile washer and dryer. Major system improvements include a 3.5-ton Carrier high-SEER A/C, 50-gallon water heater, and UV water-treatment system. The split-bedroom layout creates separation for the primary suite.
The third bedroom is currently configured as a 12x13 office with French doors and no closet. Buyers wanting bedroom use have another option: the garage has hot and cold water plus a drain, so the laundry could potentially move there and the current laundry room could become a substantial closet serving this room. The remodeled primary bath centers around an oversized walk-in shower with built-in benches, multiple jets and spray options, wall niches, and a glass wall, plus custom cabinetry, dual designer sinks, and generous storage.
The guest bath was also fully remodeled. Outdoor living adds another dimension. Start the morning in the screened front Florida room with ceiling fans, then move to the 21x20 screened rear lanai for relaxing or entertaining.
A custom rear paver path leads into one of the largest yards in Sea Crest, where a large mature oak, abundant plantings, and the setting across from the park create a peaceful green backdrop. Sea Crest combines villa living with access to MiraBay amenities, including heated resort-style pools, a 24-hour fitness center, tennis, pickleball and basketball courts, playgrounds, trails, café/lounge, kayaks, paddleboards, private boat launch, and community programming. Sea Crest HOA services include landscaping and lawn care, irrigation, plant care and replacement, periodic exterior painting, periodic roof replacement, pest control, and maintenance of parks, paths, and open spaces.
* WHAT THE SELLER LOVES The kitchen is the heart of this home, created for real cooking with substantial storage, extra counter space, serious appliances, and a custom booth that naturally becomes a place to gather. The screened front Florida room and rear lanai create two distinct outdoor living spaces, while the oversized park-side yard, mature oak, and landscaping bring a peaceful outdoor setting into daily life. The flexible office/third-bedroom setup gives buyers options to adapt the home to the way they live.
Description provided by 27NORTH REALTY and reproduced from the MLS; not independently verified.
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
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.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $390,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — this home carries HOA dues of $432/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 31 days on market vs. a 120-day community median
- 4 active listings competing, 2 under contract
- ≈2.3 months of supply
- 21 closed here in the last 12 months
For reference, this home is listed at $390,000 ($223/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,750 sq ft × $184–$234/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 26, 2026.
Similar homes for sale near MIRABAY PRCL 7 PH 2
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.
Newest listings in APOLLO BEACH
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- 6252 Hidden Branch Drive, APOLLO BEACH · $529,900 · 3 bd / 2.0 ba · listed September 23, 2026 (courtesy of HUT REALTY, LLC)
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Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by 27NORTH REALTY · MLS # TB8540980
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Recent sales activity in MIRABAY PRCL 7 PH 2
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the MIRABAY PRCL 7 PH 2 neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on MIRABAY PRCL 7 PH 2
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.
See schools in the MIRABAY PRCL 7 PH 2 guide → · Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $209/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
Items worth confirming for 5318 Golden Isles Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2006 (20 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 $432/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- 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.
- Listed living area is 1,750 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 $4,095/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
- Confirm school zoning directly with the district.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| 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 5318 Golden Isles Drive and when was it built?
Per the listing record, 5318 Golden Isles Drive was built in 2006 and has 1,750 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 5318 Golden Isles Drive in?
5318 Golden Isles Drive is in Mirabay Prcl 7 Ph 2 in Apollo Beach, Hillsborough County. The community section on this page shows recent closed sales, days on market, and active inventory for Mirabay Prcl 7 Ph 2 from the same MLS data.
Does 5318 Golden Isles Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $432 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 5318 Golden Isles Drive differ from the current owner's?
The estimate on this page (about $4,095 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5318 Golden Isles Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and 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 a typical county millage rate to the list price 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.
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.