Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
57% above
$/sq ft vs community
$379 here vs $241 median sold (12 mo)
Buyer leverage
Strong buyer advantage
471 days on market
26.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~10 ft elevation
$4k–$7k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 5 of 5
Price vs recent sales
Asking $1.45M tops 5 of the last 5 closed sales; also one of the largest homes here at 3,823 sq ft
As of September 12, 2026, 6530 Simone Shores Circle in Hemingway Estates Ph 1-A, Apollo Beach is listed at $1,449,000 (3,823 sq ft, about $379 per sq ft). That is 101% above Hemingway Estates Ph 1-A's median closed sale of $720,000 over the last 12 months (5 recorded sales). Per square foot it is above the community's recent $241/sq ft by about 57%. It has been 471 days on market, longer than the community's typical 94 days to contract. Listing facts: new construction, a private pool, waterfront, HOA dues of $265/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2025
3,823 sq ft of living area
2-car garage
Listed at $1,449,000 — recent neighborhood median sale price ~$720,000 (nearby sales; deemed reliable, not an appraisal)
471 days on market
HOA $265/mo (per listing)
Momentum Research · Hemingway Estates
Pricing & the Hemingway Estates market
How this home is priced against recent nearby sales, and where Hemingway Estates 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
2025BuiltPer public record
Jul 10, 2026First trackedObserved at $1,449,000
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.
Financing
Estimated monthly payment
$9,450/mo
Principal & interest $7,526/mo80%
Taxes $1,268/mo13%
Insurance $390/mo4%
HOA $265/mo3%
$9,450/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Strongest on: Pricing power (84), Flood safety (45)
0 limited50100 exceptional
29/100 is limited 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 area0
This home $379/sq ft vs the community 12-month median $241/sq ft.
Affordability0
List price $1,449,000 vs the community median $720,000. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~10 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2025 build. Obtain a property-specific quote.
Market liquidity17
Community median 94 days on market, ~26.4 months of supply (12-month record).
Renovation upside10
From a 2025 build and $379/sq ft vs the community median $241/sq ft. Not a condition assessment.
Pricing power84
Recent sales closed at about 91.2% of original asking (~8.8% below). More room below asking generally favors buyers.
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.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 26.4 months of supply in the surrounding market and 471 days on market for this home, against a 94-day area median.Days on market:this home 471Area median: 94 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 2013 through 2026. As of September 12, 2026.
🟡 Asking $379 per square foot, about 57% above the community’s $241 median. Hemingway Estates’s 12-month median sold price per square foot is $241. Confidence: Low · 5 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.
Recent Hemingway Estates sales closed near 91.2% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 11 active listings in Hemingway Estates, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
6530 Simone Shores Circle | Custom Bistro Builders Design 7 Beds | 5 Baths | 3,967 Living Sq. Ft. | 12 ft Elevation Welcome to 6530 Simone Shores Circle, a newly completed 2024 custom waterfront home by Bistro Builders in Apollo Beach.
This two-story, block-constructed home offers 7 bedrooms, 5 full bathrooms, Butlers Pantry, a dedicated movie theater room, and nearly 4,000 sq. ft. of living space.
Built on a 12-foot elevation with a stem wall foundation and cement flooring between stories, the home is engineered for strength, safety, and long-term efficiency. It features solid block construction on both floors, hurricane-rated impact windows, seamless fire-resistant doors, spray foam insulation, and hurricane-rated insulated garage doors. The garage includes a dedicated AC system and multi-layer epoxy flooring for durability and comfort.
Designed with smart home technology throughout, the home allows full control of the solar system, lighting, security, climate, garage, and pool from your phone or the mounted iPads. Entry is secured with fingerprint and facial recognition. Programmable soffit, baseboard, and window lighting is installed inside and out, with built-in surround sound throughout the home, lanai, and garage.
Inside, the main living area features 24-ft soaring ceilings, smooth finish walls, triple sliding Hurricane Rated Impact glass doors, and a large open great room with an electric fireplace and custom lighting. The kitchen includes quartz countertops, a waterfall island, a gas stove with pot filler, wine cooler, walk-in pantry, and European-style custom cabinetry with pull-down and organizational shelving. A separate butler’s prep kitchen offers extra space for entertaining, prep work, and storage.
The primary suite and a second bedroom are located on the first floor. The primary suite features canal and pool views, direct lanai access, a walk-in closet with a European organization system, and a spacious bathroom with dual sinks, a jetted soaking tub, and a floor-to-ceiling tiled shower with multiple heads that allow color and pressure customization. Upstairs includes five additional bedrooms with custom closets and access to a relaxing balcony.
A second laundry room with cabinetry and a folding station is also upstairs. The outdoor living space includes a covered lanai with a custom outdoor kitchen and grill, a heated saltwater pool and spa, and a new seawall with a private dock and 10,000 lb lift offering direct Tampa Bay access. The home includes a paver driveway and lawn maintenance is covered by the low monthly HOA.
Located in Hemingway Estates, a high-elevation community that remained dry during recent major storms, this home combines space, technology, security, and premium waterfront access for modern Florida living.
Description provided by 27NORTH REALTY and reproduced from the MLS; not independently verified.
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$1,449,000
Bed / bath7 / 4.5
Living area3,823 sq ft
Year built2025
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #TB8390462
Listing status471 days on market
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~10 ft
Windstorm exposureLow
CountyHillsborough
Area listings11 active · 0 under contract
Estimated first-year tax~$15,215/yr
CDD assessmentNone on record
HOA (per listing)$265/mo
Calculated estimates
Price per sq ft$379
Estimated monthly payment$9,450
Insurance (illustrative)$4k–$7k/yr
Comparable-sales median$720,000
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
Listing courtesy of 27NORTH REALTY · Listing agent: Shawna Calvert · 630-803-8506Provided 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™
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.
$810,476the mess$1,032,210
Actual list price: $1,449,000 — 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 & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
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 $265/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 471 days on market vs. a 94-day community median
11 active listings competing
≈26.4 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $1,449,000 ($379/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 3,823 sq ft × $212–$270/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near HEMINGWAY ESTATES PH 1-A
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.
Listed for $1,449,000Momentum Realty · on market 471 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$15,215/yr
A rough first-year estimate only, applying a typical Hillsborough rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$4k–$7k/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 AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$265/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~10 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 6530 SIMONE SHORES CIRCLE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by 27NORTH REALTY · MLS # TB8390462
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Market data · public records
Recent sales activity in HEMINGWAY ESTATES PH 1-A
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 HEMINGWAY ESTATES PH 1-A neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$720,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$241
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HEMINGWAY ESTATES PH 1-A
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
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 site is less than a mile north of Hemingway Estates.
New Interstate 75 interchange planned for Parrish area access
A new Interstate 75 interchange is being planned to improve access for the Parrish area, primarily located in Hillsborough County and connecting to Manatee County through a possible Fort Hamer Road extension. The project is in the planning phase.
Why it matters: Plans a new interstate interchange that would expand road capacity and connectivity for a growing area, potentially shaping future development patterns along the corridor. The project is about 23 miles south of Hemingway Estates, elsewhere in Hillsborough County.
Mercy Oaks II affordable apartments open on North Florida Avenue
Catholic Charities, with the City of Tampa and Hillsborough County, completed Mercy Oaks II, a 17-unit affordable apartment building on North Florida Avenue in East Tampa built on the site of a former strip mall. The project includes 15 one-bedroom and two two-bedroom units, with seven units serving households up to 80 percent of area median income and ten up to 50 percent. It was supported by 1.25 million dollars in state SHIP funds from the city and sits next to the 20-unit Mercy Oaks I completed in 2022.
Why it matters: Adds 17 income restricted apartments on a former strip mall site, expanding the affordable rental supply and converting vacant commercial land to housing. The project is about 6 miles north of Hemingway Estates, elsewhere in Hillsborough County.
First 3D-printed affordable home nears completion in East Tampa
The nonprofit Corporation to Develop Communities of Tampa is completing Tampa's first 3D-printed affordable home on Lurline Circle in East Tampa, using a gantry-style printer that layers concrete for the walls. The house is expected to be finished within weeks and listed for sale in about two months, with down payment assistance and first time homebuyer programs available. The effort is part of a broader CDC initiative that includes more than 90 multifamily units in East Tampa.
Why it matters: Introduces 3D concrete printing construction to the local for sale housing market, with a new single family home and additional multifamily units planned. The method signals a new building technique entering the area home supply. The project is about 5 miles northeast of Hemingway Estates, elsewhere in Hillsborough County.
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.
Hillsborough County Public Schools (verify by address)Public · Hillsborough County School District
Confirm zoned elementary, middle, and highBy address · Hillsborough County School District
Magnet and choice options may applyChoice · Hillsborough County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Mar 2026
$1,375,000
6522 SIMONE SHORES CIRCLE, APOLLO BEACH
7 / 4.5 bd/ba · 3,824 sq ft · $360/sq ft
Courtesy of 27NORTH REALTY · View details →
Community 12-month median: $241/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.
If you rent it out
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.
Estimated rent$6,641 – $9,660/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$3,002 – −$285At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 6530 Simone Shores Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $265/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
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 3,823 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 $15,215/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.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
APOLLO BEACH
Groceries, dining, and parks for this city — see the city guide.
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 6530 Simone Shores Circle and when was it built?
Per the listing record, 6530 Simone Shores Circle was built in 2025 and has 3,823 sq ft of living area, 7 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 6530 Simone Shores Circle in?
6530 Simone Shores Circle is in Hemingway Estates Ph 1-A in Apollo Beach, Hillsborough County. The community section on this page shows recent closed sales, days on market, and active inventory for Hemingway Estates Ph 1-A from the same MLS data.
Does 6530 Simone Shores Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $265 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 6530 Simone Shores Circle differ from the current owner's?
The estimate on this page (about $15,215 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 6530 Simone Shores Circle in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 6530 SIMONE SHORES CIRCLE 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 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.
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.
