3 bedroom Villa at 5318 Golden Isles Drive, Mirabay Prcl 7 Ph 2, Apollo Beach — photo 1
37 days on market (MLS) Villa ▼ Price cut: $9,900 (9/14)
$390,000
3-Bedroom Villa in MIRABAY PRCL 7 PH 2

5318 Golden Isles Drive, Apollo Beach, FL 33572

Villa in MIRABAY PRCL 7 PH 2, APOLLO BEACH
MIRABAY PRCL 7 PH 2 · Apollo Beach, FL 33572 · Hillsborough County
Listing data updated October 16, 2026 at 8:12 AM ET · checked against the MLS hourly
3Bedrooms
2Bathrooms
1,750Sq Ft
2006Year Built
$223Per Sq Ft
2-car garageFEMA Zone X
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.
7% above
$/sq ft vs community
$223 here vs $209 median sold (12 mo)
Buyer leverage
Strong seller market
37 days on market
2.3 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~11 ft elevation
$2k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 12 of 12
Price vs recent sales
Asking $390k tops 12 of the last 12 closed sales

Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 16, 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 37 days on market, well inside the community's typical 120 days. Listing facts: built in 2006, HOA dues of $432/mo, a CDD assessment of about $2,986/yr. 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.

  • CDD assessment ~$2,986/yr
  • 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)
  • 37 days on market
  • HOA $432/mo (per listing)
Listing description

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.

Listing courtesy of 27NORTH REALTY · Listing agent: Shawna Calvert · 813-645-4663Provided 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$390,000
Bed / bath3 / 2
Living area1,750 sq ft
Year built2006
Property typeVilla
Garage2-car
MLS #TB8540980
Listing status37 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~11 ft
CountyHillsborough
Area listings4 active · 2 under contract
Estimated first-year tax~$4,095/yr
CDD assessment~$2,986/yr
HOA$432/mo

Calculated estimates

Price per sq ft$223
Estimated monthly payment$3,339
Insurance (illustrative)$2k–$2k/yr
Comparable-sales median$370,000

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

$3,339/mo
  • Principal & interest $2,160/mo 65%
  • Taxes $341/mo 10%
  • Insurance $157/mo 5%
  • HOA $432/mo 13%
  • CDD $249/mo 7%

$3,339/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 5318 Golden Isles 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 assessmentsThis listing reports $2,986/yr in CDD or special-district assessments on the tax bill (MLS, TaxOtherAnnualAssessmentAmount).
HOA dues$432/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 insuranceThe 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 $1,500–$2,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 2006. An original roof would be about 20 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.)
~$4,095/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
~$2,986/yr

A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.

Insurance (illustrative range)
$2k–$2k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$432/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
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~11 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 · Mirabay

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 per sq ft · this home vs. recent nearby sales5210 GOLDEN ISLES DRIVE5210 GOLDEN ISLES DRIVE: $171/sq ft$1715210 GOLDEN ISLES DRIVE5210 GOLDEN ISLES DRIVE: $171/sq ft$171This homeThis home: $223/sq ft$2235702 TIDES PLACE5702 TIDES PLACE: $245/sq ft$2455702 TIDES PLACE5702 TIDES PLACE: $245/sq ft$245Community median $209

Price vs. size in Mirabay

Each dot is a closed sale since 2009 (161 total). This home is the gold marker.

$63k$1.0M$2.0M1,3653,0564,746This home: $390,000, 1,750 sq ftThis homeSale price

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.

$109$198$2862013: $12620132014: $1532015: $16320152016: $1812017: $15720172018: $1522019: $17220192021: $1712022: $26920222023: $2012024: $21220242025: $2392026: $2092026

Median sale price by year

12-month median closed price, 2013–2026.

$257k$573k$889k2013: $355k20132014: $400k2015: $440k20152016: $551k2017: $508k20172018: $485k2019: $494k20192021: $318k2022: $828k20222023: $398k2024: $440k20242025: $451k2026: $370k2026

Market Heat by year (0–100)

Momentum Market Heat, 2014–2026. Now 21 (cold).

1354952014: 3520142015: 692016: 7020162017: 332018: 3320182019: 472022: 8720222023: 502024: 4220242025: 452026: 212026
Property timeline

This home’s history

  • 2006BuiltPer public record
  • Aug 27, 2026First seen on movewithmomentum.comObserved at $399,900
  • Sep 14, 2026Price cut$390,000 (-$9,900, -2.5%)
  • 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 $390,000Momentum Realty · on market 37 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

4 closed sales in MIRABAY PRCL 7 PH 2 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 4 sales: $370,000 ($209/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.

$283,600the mess$409,500

Directional estimate — built from 4 comparable closed sales in MIRABAY PRCL 7 PH 2 (same property type, closed within the last 18 months, each adjusted to today's market).

Track record: across 2,980 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 2026-10-16.

Actual list price: $390,000 ($223/sq ft) — the seller's asking price is not an input to this range; compare the two.

A 44% 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 & views — a premium golf, water, or preserve lot vs. a road-facing one.
  • Carrying costs & concessions — this home carries HOA dues of $432/mo and a CDD assessment of about $2,986/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: 37 days on market vs. a 120-day community median
  • 3 active listings competing, 1 under contract
  • ≈2.3 months of supply
  • 20 closed here in the last 12 months
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.

Selling your own home? Try the Messtimate on your address →

Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (4); 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 16, 2026.

Momentum Scores

Momentum Property Score

62/100
Strongest on: Flood safety (90), Market timing (79)
0 limited50100 exceptional

62/100 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.

Price vs area33
This home $223/sq ft vs the community 12-month median $209/sq ft.
Affordability41
List price $390,000 vs the community median $370,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.
Market liquidity46
Community median 120 days on market, ~2.3 months of supply (12-month record).
Pricing power72
Recent sales closed at about 93.5% of original asking (~6.5% below). More room below asking generally favors buyers.
Market timing79
Momentum Market Heat is 21/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 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

🟠 Seller-leaning conditions around this listing. 2.3 months of supply in the surrounding market and 37 days on market for this home, against a 120-day area median.Days on market:this home 37Area 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.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by 27NORTH REALTY · MLS # TB8540980

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Keep looking

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Recently off market in MIRABAY PRCL 7 PH 2

The street

Every home on Golden Isles Drive: what is for sale, what sold and when, the homes and the communities along it.

Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings

In the area

Recent Mirabay news

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 Mirabay.

Tampa Bay Business and Wealth

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 project is about 8 miles east of Mirabay, elsewhere in Hillsborough County.

BayNews 9

Aug 2026 · Development

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 Mirabay, elsewhere in Hillsborough County.

Tampa Bay Business and Wealth

Aug 2026 · Parks Amenities

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 Mirabay, elsewhere in Hillsborough County.

Tampa Bay Business and Wealth

Go deeper

More on MIRABAY PRCL 7 PH 2

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

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.

School zoningThis address is in the Hillsborough County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

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.
  • A CDD assessment of about $2,986/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
  • 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 current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordStellar MLS, checked against the MLS hourly (last: October 16, 2026)
Comparable salesStellar MLS closed sales in MIRABAY PRCL 7 PH 2, last 18 months, as of September 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 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 comparable-sales section on this page shows recent closed sales nearby 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.

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 $2,986 per year; confirm the exact figure with the county.

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 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 5318 Golden Isles 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 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 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.

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.