6511 Salt Creek Avenue, Apollo Beach, FL 33572
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
6511 Salt Creek Avenue in Waterset Ph 2C-2, Apollo Beach is listed at $404,999 (1,838 sq ft, about $220 per sq ft). It has been listed Sep 27, 2026. Listing facts: built in 2015, HOA dues of $11/mo, a CDD assessment of about $2,070/yr. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- CDD assessment ~$2,070/yr
- Built 2015 · 11 yrs
- 1,838 sq ft of living area
- 2-car garage
- Listed at $404,999 — recent neighborhood median sale price ~$335,000 (nearby sales; deemed reliable, not an appraisal)
- listed Sep 27, 2026
- HOA $11/mo (per listing)
About this home
Under contract-accepting backup offers. 6511 Salt Creek Ave, Apollo Beach, FL 33572 | 3 Beds | 2.5 Baths | 1,838 Sq Ft | 2015 Built | Single-Story Layout | Primary Suite on Main Floor | Screened Lanai | Fenced Corner Lot | Tankless Water Heater | 2-Car Garage | Waterset At 6511 Salt Creek Avenue, the Florida lifestyle starts at home and extends throughout Waterset. Begin the day on the covered front porch, gather around the kitchen island as the day unfolds, then open the sliders to the screened rear lanai when it is time to unwind outside.
With 3 bedrooms, 2.5 baths and 1,838 heated square feet arranged on one level, this 2015-built Apollo Beach home pairs everyday convenience with a fenced 0.18-acre corner lot and access to a community filled with recreation. Plantation shutters on all windows complement the interior spaces. The open main living area keeps the kitchen, dining and gathering spaces connected, while high ceilings and tray-ceiling details add dimension.
Ceramic tile runs through the primary living areas, and the kitchen sits at the center with granite counters, solid wood cabinetry, a built-in pantry, island and casual eating space. A dedicated dining area creates another place for meals and conversation. Sliding glass doors lead directly to the covered, screened rear porch, extending daily living outdoors without leaving the comfort of home.
The main-floor primary suite keeps routines simple with a California closet style master bedroom closet, walk-in closet and en suite bath featuring dual sinks, granite counters, a soaking tub, separate shower with multiple shower heads and a private water closet. Two additional bedrooms are also on the first floor, one with a walk-in closet, and share a full bath with granite counters and a tub/shower combination. A welcoming foyer, laundry room and half bath complete the single-level layout.
Outside, there is more room to enjoy the Florida climate. The fenced corner lot extends beyond the screened lanai to a patio, mature landscaping, and landscaped yard, while the covered front porch creates a second place to spend time outdoors. An attached 2-car garage, driveway, garage door opener, rain gutters, French drains, and irrigation system add day-to-day function.
Enjoy peace of mind knowing the home has hurricane shutters and a generator hook up. The home also has natural gas service, a tankless water heater, water softener, whole-home water filtration system, and a prewired security system. Waterset makes it easy to build recreation into the week with community pools, clubhouse, fitness center, tennis courts, parks, playground, dog park, sidewalks and an on-site restaurant.
Community water amenities listed in MLS include a dock, fishing areas, lake and water access. For buyers searching for a single-story Waterset home in Apollo Beach, 6511 Salt Creek Avenue brings together a main-floor primary suite, screened outdoor living, fenced corner lot, 2-car garage and access to a wide range of community amenities. * WHAT THE SELLER LOVES Life here can move from coffee on the covered front porch to conversation around the kitchen island, an afternoon at the community pool or fitness center, and a quieter evening on the screened lanai.
The one-story layout keeps every bedroom and daily living space on the same level, while Waterset’s parks, tennis courts, dog park, lake, fishing areas and community gathering spaces create even more ways to enjoy time close to home.
All 94 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 $2,226/mo 74%
- Taxes $465/mo 15%
- Insurance $138/mo 5%
- HOA $11/mo 0%
- CDD $172/mo 6%
$3,011/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified tax roll · county-average rateThe current taxable value ($374,374) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Hillsborough County Property Appraiser 2025 final millage; HCPS millage referendum (1.0 mill, effective July 2025). County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 6511 Salt Creek Avenue
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.
| Property tax | The current owner's bill is about $5,900/yr (certified county roll, taxable value × millage). Buy at the asking price of $404,999 and the first-year bill resets to about $5,575/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.73 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | About $2,070/yr, the figure on file for this community; the listing record does not state its own. |
| HOA dues | $11/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 $1,000–$2,500/yr; neither is a quote. |
| Roof and age | Built in 2015. An original roof is about 11 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $799/month (tax $465, CDD $172, HOA $11, insurance $151). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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 Waterset market
How this home is priced against recent nearby sales, and where Waterset 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.
This home’s history
- 2015BuiltPer public record
- Sep 16, 2026First seen on movewithmomentum.comObserved at $404,999
- NowUnder contractActive under contract
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 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.
Median of these 6 sales: $335,000 ($182/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 within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,828 recent closed sales we scored, the closed price landed inside the Messtimate range 56% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-29.
Actual list price: $404,999 ($220/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 25% 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 $11/mo and a CDD assessment of about $2,070/yr; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- 39 active listings competing, 26 under contract
- 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 29, 2026.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 39.0 months of supply in the surrounding market and 32 days on market for this home, against a 69-day area median.Days on market:this home 32Area median: 69 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 %s through %s. As of July 15, 2026.
🟡 Asking $220 per square foot, about 21% above the community’s $182 median. Waterset’s 12-month median sold price per square foot is $182. 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.
72% of homes in Waterset are owner-occupied. An estimated 28% are non-owner-occupied, including 2% held in a company or trust and 4% 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), 1399 homes matched. Community-level context.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Checked against the MLS October 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by 27NORTH REALTY · MLS # TB8548320
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Every home on Salt Creek Avenue: what is for sale, what sold and when, the homes and the communities along it.
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More on WATERSET PH 2C-2
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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 6511 Salt Creek Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2015: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $11/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $2,070/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.
- Listed living area is 1,838 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 $5,575/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $325 less per year than the current owner’s estimated bill (−6%). 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 29, 2026) |
| Comparable sales | Stellar MLS closed sales within about 3 miles, last 18 months, as of July 15, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; 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 6511 Salt Creek Avenue and when was it built?
Per the listing record, 6511 Salt Creek Avenue was built in 2015 and has 1,838 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 6511 Salt Creek Avenue in?
6511 Salt Creek Avenue is in Waterset Ph 2C-2 in Apollo Beach, Hillsborough County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 6511 Salt Creek Avenue have an HOA, and how much are the dues?
The listing reports HOA dues of $11 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 $2,070 per year; confirm the exact figure with the county.
Why might property taxes on 6511 Salt Creek Avenue differ from the current owner's?
The estimate on this page (about $5,575 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $325 less per year than the current owner’s estimated bill (−6%). 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 6511 Salt Creek Avenue?
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 6511 Salt Creek Avenue 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.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com 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. Florida real estate brokerage services provided by EAB RE Investments LLC dba Momentum Realty. Georgia real estate brokerage services provided by Momentum Realty LLC. Site designed by Move With Momentum LLC, © 2026.