COBIA CAY
Homes for Sale in APOLLO BEACH, FL
True comps, carrying-cost math, and listings before the portals.
The 60-Second Overview
COBIA CAY market snapshot (as of August 2, 2026): the median sale price is about $950K ($361 per sq ft over the trailing 12 months of closed sales), and a median 106 days on market for closed sales.
COBIA CAY is a community of 75 homes in APOLLO BEACH, Hillsborough County, built between 1982 and 2017 (median 1989), with a median living area of about 3,014 square feet. 79% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of COBIA CAY. Swipe to explore the community.
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COBIA CAYPrice History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($950K) IS the median in the snapshot above.
Windows contain 0 to 11 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2007 through 2026. Deemed reliable but not guaranteed.
Cobia Cay Market Scorecard
Cobia Cay is currently a thin data market. Limited supply, a median asking price of n/a.
Go deeper: true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in COBIA CAY, APOLLO BEACH
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.
Schools
- Hillsborough County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hillsborough County Public Schools (verify by address) · Public
- Apollo Beach area schools nearby · By address
- Confirm zoned elementary, middle, and high · By address
Zoned schools reflect the assignments reported on recent COBIA CAY listings and can change; always confirm with Hillsborough County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any COBIA CAY address.
The COBIA CAY buying strategy.
If we were buying in COBIA CAY today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in COBIA CAY.
A closer look at the COBIA CAY market
At a median of $361 per square foot, COBIA CAY prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The housing stock is 75 homes built between 1982 and 2017, and 79% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in COBIA CAY. The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- Mandatory HOA. Confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a COBIA CAY buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed COBIA CAY sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in COBIA CAY, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your COBIA CAY home worth?
Get a no-obligation home value based on real comparable sales in COBIA CAY, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in COBIA CAY on the map →
Frequently Asked Questions
What is the median home price in COBIA CAY?
How long do homes in COBIA CAY take to sell?
How many homes are in COBIA CAY?
What share of COBIA CAY is owner-occupied?
When were the homes in COBIA CAY built?
Do cash buyers compete in COBIA CAY?
What schools serve COBIA CAY?
Who is the best real estate agent for COBIA CAY?
How do I find a top APOLLO BEACH real estate agent who knows COBIA CAY?
Can Momentum Realty connect me with an agent for COBIA CAY?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: June 24, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Schools | 2025-26 district assignments + FLDOE school grades; verify with the district |
| Historical depth | Closed-sale records back to 2007 (39 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live your area comps.
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