Flat Island
Homes for Sale in Apollo Beach, FL
All 354 homes for sale in Apollo Beach, FL · median $460,000 · 320 homes for sale in 33572 · Hillsborough County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of October 2026, the MLS records 11 closed sales in Flat Island in Apollo Beach, FL since 2012, the most recent in June 2026. Across Apollo Beach as a whole, 358 homes closed in the last 12 months at a median of $501,250, 72 median days on market, with 145 homes for sale today. At that median and Hillsborough County's FY2025-26 rate of 15.73 mills, annual property tax runs about $7,880 ($7,260 with the full homestead exemption).
Flat Island is a small community in Apollo Beach, and with only a one-property closings window in the current snapshot, there is not enough recent transaction depth to read price like a broad market. What that means in practice: a single sale can swing the picture, so treat any headline number as a data point, not a trend.
For a buyer, the takeaway is patience and homework — you will likely be pricing off condition, lot, and water access on a home-by-home basis rather than a deep comp set. For a seller, thin recent activity cuts both ways: less competing inventory to sit against, but also fewer directly comparable closings to anchor an appraisal. Come to the table with defensible pricing logic.
Nearby homes for sale
No active listings inside Flat IslandHomes for Sale in Apollo Beach, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Flat Island sits within Apollo Beach in Hillsborough County, a stretch of the Tampa Bay shoreline known for canal and waterfront living. As a compact community, it trades on individual home characteristics more than on volume.
Stellar MLS sales records identify 20 homes in Flat Island that have changed hands since 2008, built between 1993 and 2026 (median 2004), with a median living area of about 3,647 sq ft and a typical 4-bedroom, 3.5-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 6 qualified sales in Flat Island across 2024–2025 (3 in 2024, 3 in 2025), median $1.36M — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Flat Island is best for.
Best for
- Buyers who want a waterfront-oriented Apollo Beach location and are comfortable evaluating a home individually
- Buyers with a flexible budget who will pay for condition and lot position rather than a fixed price point
- Long-horizon owners who value a small, low-inventory community over a high-turnover one
Probably not for
- Buyers who need many recent comparable sales to feel confident on price
- Buyers on a rigid budget who want a predictable entry point across the community
- Buyers who need to move quickly and cannot wait for the right individual listing
The market around Flat Island
Flat Island is too small for its own price trend, so here is the market around it.
In ZIP 33572, 442 homes are on the market and 19% are under contract — a steady corner of Apollo Beach.
Across Hillsborough County, 6,274 homes are active and 1,939 pending (24% under contract).
In ZIP 33572 (Apollo Beach), 841 homes closed in the last 12 months at a median of $501K ($215/sq ft), up 0.3% year over year, with a median 72 days on market. Right now 145 active and 27 pending listings put supply at about 5.2 months — a buyer's market. See the live ZIP 33572 housing market and the Hillsborough County market.
ZIP and county figures describe the wider market, not Flat Island specifically. Momentum Research analysis of MLS records.
The Flat Island buying strategy.
If we were buying in Flat Island 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 Flat Island.
A thin-data waterfront pocket
The defining feature of a community this small is that averages lie. With a one-property closings window, there is no reliable spread to quote, so the honest approach is qualitative: expect pricing to be driven heavily by condition, lot position, and any direct water access rather than by a neighborhood-wide baseline.
Apollo Beach's appeal is its proximity to Tampa Bay and its canal-oriented layout, which puts a premium on waterfront and boatable frontage where it exists. In Flat Island specifically, you should verify what a given address actually offers on the water rather than assuming the community label guarantees it.
The location and the amenities are priced into every listing in Flat Island. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with almost no recent closings to lean on, guesswork is expensive. We build pricing from the specifics of the property and the surrounding Apollo Beach market rather than from a comp set that does not exist, and we will tell you plainly when the data cannot support a number.
Flat Island in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $332/month (about $3,984/yr) · median of 19 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $332 per month ($3,984 a year) — the median AssociationFee across 19 MLS records, normalised to a monthly figure; most are billed quarterly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
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 Flat Island 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 Flat Island sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Flat Island, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Flat Island home worth?
Get a no-obligation home value based on real comparable sales in Flat Island, 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 all homes for sale in Apollo Beach →
Should you buy in Flat Island?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 19, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2012 (11 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 local comps.
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See how Flat Island fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for Flat Island. These are the public schools most often assigned to other communities in ZIP 33572; zones change and vary by address, so confirm with the district before you buy.
- Lennard High School · Public · FLDOE grade B (assigned to 4 nearby communities)
- Eisenhower Middle School · Public · FLDOE grade C (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about Flat Island
Where is Flat Island?
Flat Island is a community in Apollo Beach, Hillsborough County, Florida, ZIP 33572.
Are there homes for sale in Flat Island right now?
No active listings inside Flat Island at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Flat Island have an HOA or CDD?
No HOA is on record for Flat Island in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near Flat Island with Momentum Realty’s local guides.
Flat Island Market Scorecard
Flat Island is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 33572 ZIP is $441,348, about 22.2% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · 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.