Mustique Bay Homes for Sale in Apollo Beach, FL

Gated waterfront community · Hillsborough County · ZIP 33572

A gated waterfront enclave of large homes in Apollo Beach, where boat access and the bay view are the asset and the flood read is the work.

Gated waterfrontBoat-access lotsLarge single-family homes

Live Market Pulse

48/100
Momentum

Buyer-Leaning Market (limited data)

This is a small waterfront enclave, so the honest read is the specific lot, the water access, and the flood and storm-surge picture, not a townwide average. Confirm dues, dockage, the FEMA flood zone, and the insurance per address.

Free · No obligation

Unlock Off-Market Mustique Bay

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive Stellar MLS data14 years of closingsLocal renovation analysisUpdated twice daily

LiveMarket PulseStellar MLS

$3.65M

Median Price

6mo

Supply

374days

Avg DOM

Soft

Seller Leverage

$759/sf

Median $/Sqft

n/a

1-Yr Price Change

0now

Distress

Jon's Current Read

"Mustique Bay is a small gated waterfront community in Apollo Beach, so the read is a lot read, not a townwide one. The value drivers are the specific lot and its water access, whether it is canal or open bay, the dock and lift, the elevation and FEMA flood zone, and the wind and flood insurance math, plus the condition and era of the home itself. Apollo Beach is a low-lying boating community, and recent storms, including Hurricane Helene and Hurricane Milton in 2024, pushed storm surge into waterfront neighborhoods, so the surge and flood diligence is central, not optional. The upside is real: deepwater or canal access with quick runs to Tampa Bay is scarce and supports demand even as insurance costs rise. Your leverage is reading the elevation, the flood zone, the insurance quote, and the dock condition honestly before you fall for the sunset over the water."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Mustique Bay market snapshot (as of June 25, 2026): the median sale price is about $3.6M ($759 per sq ft), with homes averaging 374 days on market and 6.0 months of supply, a buyer-leaning market (limited data). Based on 2 recent closings in live Stellar MLS data.

Mustique Bay is a gated waterfront community of large single-family homes in Apollo Beach, in southern Hillsborough County near the Tampa Bay shoreline (Apollo Beach community guides, 2026). It is a small enclave rather than a sprawling master plan, with listing guides describing it as a private gated waterfront setting where many lots carry canal or open-bay access and boat dockage.

The community took shape in the early 2000s and has filled in over the years, with homes that skew large and waterfront, several offering docks, covered lifts, and direct or quick access to Tampa Bay (Apollo Beach real estate guides, 2026). Confirm the exact year built, the lot type, and the water access for any specific address, since canal, open-bay, and interior lots are not the same asset.

Because this is a waterfront enclave, the money is made or lost on the lot and the water, not the address alone. The drivers are the specific lot and its bay or canal access, the dock and lift, the elevation and FEMA flood zone, and the wind and flood insurance lines, all of which have to be read from the elevation certificate, the survey, and an insurance quote for the exact home.

The pitch is Apollo Beach boating life: a gated waterfront address with quick runs to Tampa Bay, marinas and waterfront dining nearby, and an easy reach of I-75, Tampa, and the airport. The work is the diligence: pull the elevation certificate, confirm the flood zone and any surge history, quote wind and flood insurance, and inspect the dock before you buy the view.

Quick Match

Who Mustique Bay is best for.

Best for

Boaters who want a gated waterfront home with bay or canal access
Buyers who want a large home with a dock and quick runs to Tampa Bay
Buyers who will read the elevation, flood zone, and insurance closely
Buyers who value a private gated setting close to I-75 and Tampa

Probably not for

Buyers who want a low-maintenance condo or a small starter home
Anyone unwilling to verify the flood zone and surge history per address
Buyers who cannot absorb rising wind and flood insurance costs
Buyers who do not want or need the waterfront and boat access

Market Pulse

How Mustique Bay is performing right now

48/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

6Months of supplytight

374Median days on marketdays

0 : 1Under contract vs for salestrong demand

2Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+74%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from Stellar MLS, as of June 25, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Mustique Bay listings and the trailing twelve months of closed sales.

Where prices are going$850K2026 YTD

Median sale price by year. Tap a label to compare MiraBay or Apollo Beach. The 1-year price change is the median sold price over the most recent year versus the prior year, the same measure most listing sites and local Realtor reports use. It reflects the mix of homes that sold, not the change in any single home's value, which is why median price per square foot is shown alongside it to adjust for home size. In thinly traded neighborhoods, where a sale or two can swing the median, we lead with the mix-resistant price-per-square-foot trend instead.

Price per square foot$3072026 YTD

Median $/sqft by year. 2026 is year to date.

Supply and demand now1 : 0active : pending

For sale1

Pending0

Sold 12mo2

Active and pending listings now vs homes sold in the last 12 months.

8.6A- score

Momentum intelligence

Momentum buy score

Our proprietary read on how a home in Mustique Bay buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Mustique Bay

Live MLS inventory for Mustique Bay. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active · 374 daysTop listing

$16,990,000

7 bd · 7 ba · 12,896 sqft · built 2025

6526 Surfside Boulevard, APOLLO BEACH, 33572

Reno opportunityBest value

Listed by 27NORTH REALTY

Active and pending Mustique Bay listings as of 2026-06-25, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.

Interactive Map

Mustique Bay on the map.

Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.

Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

Nearby & Commute

How far is everything?

The takeaway

Mustique Bay trades a townwide average for a private waterfront address, with marinas, dining, and the nature preserve close and I-75, Tampa, and the airport a manageable drive.

Drive times from the community. They are approximate and vary with traffic and your exact routine.

Apollo Beach marinas and boat ramps~5 to 10 min · boating access

Apollo Beach Nature Preserve~5 to 10 min · shoreline park

Manatee Viewing Center~5 to 10 min · winter attraction

Apollo Beach waterfront dining~5 to 10 min · shops and dining

I-75 interchange~10 to 15 min · regional access

Downtown Tampa~30 to 40 min · to the north

Tampa International Airport~40 to 50 min · via I-75

Distances and times are approximate and vary with traffic and the specific home. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Mustique Bay with Momentum Realty’s local guides.

HBHammock BayApollo Beach, FL · 0.3 mi ESEstuaryApollo Beach, FL · 0.4 mi ABApollo BeachApollo Beach, FL · 0.5 mi BRBraemarApollo Beach, FL · 0.5 mi SBSunset Bay TownhomesApollo Beach, FL · 0.5 mi SFSouthshore FallsApollo Beach, FL · 0.6 mi WCWatersetWolf CreekApollo Beach, FL · 0.6 mi HEHemingway EstatesApollo Beach, FL · 0.7 mi ANAndaluciaApollo Beach, FL · 0.7 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr

Mustique Bay (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take

Hillsborough County Public Schools
Verify the zoned schools by address
Magnet and choice options may be available
Confirm current ratings before relying on them
Private and parochial options nearby

Mustique Bay is served by Hillsborough County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public

Hillsborough County Public Schools (verify by address)

Verifyrating

By address

Confirm zoned elementary, middle, and high

Verifyrating

Choice

Magnet and choice options may apply

Verifyrating

Buying with schools in mind? We can confirm the exact zoned schools for any Mustique Bay address.

The takeaway

What is actually shaping value at Mustique Bay: the 2024 storm season and storm-surge exposure in waterfront Apollo Beach, rising flood and wind insurance costs, and the durable demand for scarce boat-access waterfront. Each item is sourced.

Recent Developments in Mustique Bay

Development Intelligence

Our read on what is being built around Mustique Bay, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishScarce boat-access waterfront supports demand, with the watch items being storm-surge exposure after the 2024 season and the rising cost of flood and wind insurance on low-lying bayfront lots.

Hurricane Helene and Milton storm surge in waterfront Apollo Beach

2024

BearishMajor impact

SignificanceRadius: Area

The 2024 storms pushed surge into low-lying waterfront Apollo Beach, making elevation and surge diligence central per lot.

Rising flood and wind insurance costs

2025

BearishMajor impact

SignificanceRadius: Community

Flood and wind premiums on waterfront lots are a major carrying cost, so quote the exact home before you offer.

Scarce boat-access waterfront supports demand

Ongoing

BullishNotable impact

SignificanceRadius: Community

Quick bay access with a dock is scarce and keeps waterfront demand resilient even as insurance costs rise.

Low elevation and FEMA flood zones

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Apollo Beach sits only a few feet above sea level, so the elevation certificate and flood zone drive the insurance math.

Gated private waterfront setting

Ongoing

BullishMinor impact

SignificanceRadius: Community

A private gated enclave supports the appeal of the community relative to open waterfront streets nearby.

Easy reach of I-75, Tampa, and the airport

Ongoing

BullishNotable impact

SignificanceRadius: Area

Quick access to I-75 and Tampa underpins the location case that supports demand in southern Hillsborough County.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Mustique Bay, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

October 2024
Storm
Hurricane Milton pushes storm surge into waterfront Apollo Beach
Hurricane Milton made landfall on Florida's Gulf Coast as a major hurricane in October 2024, sending storm surge into low-lying waterfront communities including Apollo Beach, just days after Hurricane Helene had already inundated parts of the coast. Why it matters: The 2024 storm season made elevation, flood-zone, and surge diligence central for any waterfront purchase in Apollo Beach. Source
April 2025
Insurance
FEMA Risk Rating 2.0 keeps reshaping Florida flood premiums
Under FEMA Risk Rating 2.0, flood-insurance premiums are priced to each property's specific flood risk, including distance from water and elevation, with Florida holding more NFIP policies than any other state and many coastal homes facing higher premiums over time. Why it matters: Property-specific flood pricing means the elevation and flood zone of the exact home drive the carrying cost, so quote it before you offer. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

The Strategy

The Mustique Bay buying strategy.

If we were buying in Mustique Bay, this is the order of operations we would run, and the one we run for our clients.

Pull the elevation certificate and confirm the FEMA flood zone. In a low-lying Apollo Beach waterfront enclave, the elevation and zone drive the flood-insurance math more than the list price.

Quote wind and flood insurance for the exact home early. On the bay, the wind and flood lines and any prior claims can move the monthly math, so get the real numbers before you fall for the view.

Check storm-surge history for the address. The 2024 storms pushed surge into waterfront Apollo Beach, so confirm any past intrusion, the finished-floor elevation, and how the home handled recent seasons.

Inspect the dock, lift, and seawall. The water access is the asset, so verify the dock and lift condition, the seawall, the canal or bay depth, and the real boat clearance to Tampa Bay.

Confirm the HOA dues and gate rules. This is a gated community, so verify the current dues, what they cover, and any rules on docks, rentals, and parking with the association.

The Quick Decision

Best Buy

A well-elevated waterfront lot with a sound dock and a clean surge read

Biggest Risk

Underpricing flood and wind insurance and the storm-surge exposure

Best Lot

Open-bay or deep-canal access with strong elevation and a documented flood read

Smart Timing

Confirm the elevation, flood zone, and insurance before you offer

Deep-Dive Intelligence

The full read, only if you want it.

The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

Mustique Bay is a small gated waterfront community rather than a large master plan, so the lifestyle is private waterfront living with boating at the center. Many lots offer canal or open-bay access with docks and lifts and quick runs to Tampa Bay, with Apollo Beach marinas, waterfront dining, the Apollo Beach Nature Preserve, and the Manatee Viewing Center close by, and I-75 and Tampa an easy reach. Gate rules, dock allowances, and any rental rules vary, so confirm the current HOA rules and what each lot includes with the association before you buy.

Mustique Bay Homes For Sale

What your money buys in Mustique Bay.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

Here are the broad resale bands in Mustique Bay today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.

The Entry Home

$3.10M to $3.10M

A smaller or interior lot, the more affordable way into the gated community, where condition and proximity to the water drive value.

Lowest entry

The Core Waterfront

$3.10M to $4.20M

A canal or bay-access home with a dock and lift, the heart of the Mustique Bay resale market for boaters.

Most inventory

The Top

$4.20M to $4.20M

An open-bay lot with the best views, deep access, and an updated home, the property that holds value best in the enclave.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

See Off-Market & Private Listings

What Your Money Buys

What ~$3.65M buys here.

Three realistic price bands. Where a home lands comes down to condition and lot, not square footage alone.

$3.10M to $3.10M

The Entry Home

A smaller or interior lot, the more affordable way into the gated community, where condition and proximity to the water drive value.

$3.10M to $4.20M

The Core Waterfront

A canal or bay-access home with a dock and lift, the heart of the Mustique Bay resale market for boaters.

$4.20M to $4.20M

The Top

An open-bay lot with the best views, deep access, and an updated home, the property that holds value best in the enclave.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

Operator Intelligence

Renovation & Resale Intelligence

The factors that actually move value in Mustique Bay, condition, lot, and the renovation math, read from current listings and recent sales.

15-Second Take

Renovation math decides the deal
Better lots and views resell strongest
Roof and HVAC age drive the insurance quote
Interior lots are where buyers overpay

Proprietary Data

The renovation premium.

Renovated-listing inventory in Mustique Bay is too thin right now to compute a reliable renovation premium. We read condition home by home against real comps before you offer.

Lot Value

The lot premium.

On a preferred homesite (water, preserve, corner, or a larger lot), the homesite is the part of your money the market gives back at resale. The house can be renovated; the lot cannot, so premium lots hold their value better than interior ones. How much more they command varies by frontage, view, and condition, which is why we read it home by home against real comparable sales rather than a single headline figure.

Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Resale Strength Scorecard

How well Mustique Bay holds value.

Our read on the factors that protect resale here, and the one to manage.

Home ageLargely early 2000s and newer, verify per home

Flood and surge exposureLow-lying bayfront, verify zone and elevation

Insurance costWind and flood lines are the major cost

Water access and dockBay or canal access is the core asset

Location and accessEasy reach of I-75 and Tampa

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Mustique Bay

15-Second Take

Calling the listing agent (who works for the seller)
Misjudging the renovation budget
Overpaying for an interior lot
Underbudgeting the carrying costs
Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

Calling the listing agent

The agent on the sign works for the seller. In a market where condition swings price by hundreds of thousands, negotiating against that agent with no one in your corner is the costliest move of all.

Misjudging the renovation math

A dated home looks like a deal until you price the roof, HVAC, pool, and full modernization honestly. Underbudget the reno and the bargain becomes the expensive house.

Overpaying for an interior lot

A premium homesite (water, preserve, or a preferred position) carries a real, durable premium. Pay a top price for an interior lot and you are buying the weakest version of the value.

Underbudgeting the carrying costs

Two similar homes can cost very differently to own once the HOA, any CDD, insurance, and upkeep are priced in. Buyers who do not run the full monthly carrying cost misread the real number.

Skipping the systems check

An older home means older systems unless updated. Roof age, HVAC age, pool equipment, and prior renovations drive both price and insurability, and a thorough inspection matters more here than in a new build.

“

Mustique Bay is a small waterfront enclave, not a townwide average. The deal is won or lost on the lot, the water access, the elevation, and the flood and insurance math.

Jon Brooks · Founder, Momentum Realty

Momentum Intelligence

Momentum Buy Score.

Our proprietary 0 to 10 read across the five factors that decide how a home here buys, holds, and resells.

7.2B · Buy Score

Resale Strength7.3/10

Renovation Risk5.0/10

Location Efficiency7.8/10

Long-Term Defensibility7.4/10

Carrying Cost Advantage5.2/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Momentum Housing Intelligence

Why our read on Mustique Bay is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live Stellar MLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live Stellar MLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates

Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

About the analyst · Our methodology

Which Lots & Views Hold Value Best

Proprietary Data · Lot Value Map

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)

$261 value$401 premium

Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from Stellar MLS; for orientation, not an appraisal.

15-Second Take

On the water, the lot and access set value, not the address
Open-bay and deep-canal lots hold value best
Confirm the FEMA flood zone and elevation per lot
Inspect the dock, lift, and seawall before the finishes
Quote wind and flood insurance for the exact home

In a waterfront enclave, the part of your money the market protects is the lot and its water access, the dock and lift, the elevation, and the flood zone behind it. Open-bay and deep-canal lots with sound docks and good elevation hold value better than interior or low-lying lots facing surge and high insurance. The home can be renovated; the lot, the water access, and the flood picture cannot. Read the elevation certificate, the flood zone, the surge history, and the dock condition first, then price the condition of the home against them.

The 15-Second Verdict

Mustique Bay in 15 seconds.

Best forBoaters who want a gated waterfront home with quick access to Tampa Bay.

Biggest advantageScarce waterfront and boat access in a private gated Apollo Beach setting.

Biggest riskStorm-surge exposure and rising flood and wind insurance on the bayfront.

Sweet spotA well-elevated waterfront lot with a sound dock and a clean surge read.

Avoid ifYou want a low-maintenance condo or cannot absorb waterfront insurance.

HOA Dues, Gate & Waterfront Rules

15-Second Take

Confirm the HOA dues and exactly what they cover
Carry your own wind and flood coverage on the waterfront
Verify the FEMA flood zone and elevation per address
Check any rules on docks, lifts, rentals, and parking
Read any storm-surge history for the specific lot

This is a gated community, so an HOA fee applies and typically covers the gate, common-area maintenance, and shared upkeep. The dues line alone does not tell the story on the waterfront; the flood and wind insurance you carry yourself matters far more. Confirm the current dues, what they cover, and any pending changes with the association for the exact address.

HOA fees in a gated enclave like this generally cover the gate, common-area landscaping, and shared maintenance. Owners carry their own homeowner, wind, and flood coverage, which on a waterfront lot is the major cost. Verify exactly what the fee covers and what each owner must insure separately, and confirm any rules on docks, rentals, and parking.

Run Your Numbers

Tools for a Mustique Bay buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxHillsborough County millage and the homestead picture.Rent vs buyThe breakeven on owning in Mustique Bay.Save Our HomesProject your homestead tax cap over time.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Selling in Mustique Bay

Price to the lot, the water access, and the flood read, not an area average.

Selling here means pricing to your specific lot and its water access, not an area-wide estimate. The bay or canal frontage, the dock and lift, the elevation, the flood zone, and the condition of the home are what set your number on the Apollo Beach waterfront.

Momentum listings (YTD)

97.98%

Sold-to-list ratio across our market for our agents, sellers keeping more of their price.

Market average (YTD)

96.73%

The broader metro average sold-to-list ratio over the same period.

Momentum days on market

64 days

Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.

Market days on market

72 days

The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus our market average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Mustique Bay, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping MiraBay, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Mustique Bay home worth?

Get a no-obligation home value based on real comparable sales in Mustique Bay matched to your condition, lot, and view, 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 Mustique Bay on the map →
Or get your Mustique Bay home value & selling guide →

Real comps, not a Zestimate.

How much local inventory is already under contract

18% of homes for sale in ZIP 33572 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-06-25).

Mustique Bay Market Scorecard

Strong seller's market

Mustique Bay is currently a strong seller's market. About 1.8 months of supply, a median asking price of $1,019,500, and homes go under contract in about 79 days.

1.8

Months supply

$1,019,500

Median list

$847,500

Median sold

$313

Per sqft

Days on mkt

6/8/41

Active/Pend/Sold

Typical home value in the 32224 ZIP is $456,759, about 13.7% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Where is Mustique Bay?

It is a gated waterfront community in Apollo Beach, Hillsborough County, ZIP 33572, near the Tampa Bay shoreline in southern Hillsborough County, with many lots offering canal or open-bay access.

Is Mustique Bay a gated community?

Yes. Listing and community guides describe Mustique Bay as a private gated waterfront enclave of large single-family homes. Confirm the current gate and access rules with the association.

When was Mustique Bay built?

Community guides place its development in the early 2000s, with build-out continuing over the years (Apollo Beach community guides, 2026). Confirm the exact year built for any specific home.

Do homes here have water and boat access?

Many lots offer canal or open-bay access with docks and lifts and quick runs to Tampa Bay, but access varies by lot. Confirm the water type, dock, lift, and real boat clearance for the exact address.

What is the flood and storm-surge picture?

Apollo Beach is a low-lying boating community, and the 2024 storms pushed surge into waterfront neighborhoods. Always check the FEMA flood zone, the elevation certificate, and any surge history, and quote flood insurance for the exact home.

What insurance do I need here?

On a waterfront lot you carry homeowner, wind, and flood coverage, and the wind and flood lines are the major cost. Quote the specific home early, since elevation, zone, and prior claims drive the number.

What does the HOA fee cover?

It typically covers the gate, common-area maintenance, and shared upkeep. Owners insure their own homes. Confirm the exact dues and inclusions, and any rules on docks, rentals, and parking, with the association.

What kind of homes are in Mustique Bay?

Guides describe large single-family homes, many waterfront, several with docks and lifts. Sizes and eras vary, so confirm the square footage, bedroom count, year built, and water access per home.

What schools serve Mustique Bay?

It is part of Hillsborough County Public Schools, with assignment by address that can change. Confirm the zoned elementary, middle, and high schools for the specific home, and note that magnet and choice options may apply.

What is nearby?

Apollo Beach marinas and waterfront dining, the Apollo Beach Nature Preserve, and the Manatee Viewing Center are close, with I-75, Tampa, and the airport an easy reach. Confirm real drive times for your routine.

Is Mustique Bay a good investment?

Scarce waterfront and boat access support demand, but this is a low-lying bayfront enclave, so the flood zone, surge exposure, and rising insurance drive the outcome. This is not a guarantee of future value; read the elevation and the insurance math.

How does it compare to MiraBay?

MiraBay is a larger amenity-rich master-planned waterfront community nearby, while Mustique Bay is a small gated enclave. Which is the better buy depends on whether you want resort amenities or a quieter private waterfront setting.

Can I keep a boat at my home?

Many lots support a dock and lift with bay or canal access, but it depends on the lot, the water depth, and any HOA rules. Confirm the dock, lift, depth, and clearance, and any restrictions, before you buy.

Should I worry about hurricanes here?

Apollo Beach is hurricane-exposed and low-lying, and the 2024 season brought surge into waterfront areas. Verify the elevation, the flood zone, the construction and windows, and the insurance for the exact home.

Who is the best real estate agent for Mustique Bay?

The best agent for Mustique Bay is one who actively works Apollo Beach and knows the community's pricing, HOA and CDD details, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Mustique Bay.

How do I find a top Apollo Beach real estate agent who knows Mustique Bay?

Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Mustique Bay and the wider Apollo Beach area.

Can Momentum Realty connect me with an agent for Mustique Bay?

Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Mustique Bay purchase or sale — no call center and no pressure.

The Verdict

Should you buy in Mustique Bay?

An honest fit check. We will tell you when it is not your community.

Boaters who want a gated waterfront home with bay or canal accessExcellent fit

Buyers who want a large home with a dock and quick runs to Tampa BayExcellent fit

Buyers who will read the elevation, flood zone, and insurance closelyExcellent fit

Buyers who value a private gated setting close to I-75 and TampaExcellent fit

Buyers who can absorb waterfront wind and flood insurance costsExcellent fit

Buyers who want a low-maintenance condo or a small starter homeProbably not

Anyone unwilling to verify the flood zone and surge history per addressProbably not

Buyers who cannot absorb rising wind and flood insurance costsProbably not

Buyers who do not want or need the waterfront and boat accessProbably not

Buyers uncomfortable with low-lying storm-surge exposureProbably not

Get the inside read on Mustique Bay

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Mustique Bay home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

You are all set.

A Momentum Realty Mustique Bay specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Mustique Bay — what to look for, questions to ask, and your local expert.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Listings courtesy of Stellar MLS as distributed by MLS GRID. IDX 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; deemed reliable but not guaranteed by MLS GRID.

Mustique Bay Homes for Sale in Apollo Beach, FL

The 60-Second Overview

Who Mustique Bay is best for.

Best for

Probably not for

How Mustique Bay is performing right now

Homes For Sale Right Now in Mustique Bay

Mustique Bay on the map.

How far is everything?

Nearby Communities

Schools

Hillsborough County Public Schools (verify by address)

Confirm zoned elementary, middle, and high

Magnet and choice options may apply

Recent Developments in Mustique Bay

Hurricane Helene and Milton storm surge in waterfront Apollo Beach

Rising flood and wind insurance costs

Scarce boat-access waterfront supports demand

Low elevation and FEMA flood zones

Gated private waterfront setting

Easy reach of I-75, Tampa, and the airport

Hurricane Milton pushes storm surge into waterfront Apollo Beach

FEMA Risk Rating 2.0 keeps reshaping Florida flood premiums

The Mustique Bay buying strategy.

The full read, only if you want it.

What your money buys in Mustique Bay.

What ~$3.65M buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Mustique Bay holds value.

5 Mistakes Buyers Make in Mustique Bay

Calling the listing agent

Misjudging the renovation math

Overpaying for an interior lot

Underbudgeting the carrying costs

Skipping the systems check

Momentum Buy Score.

Why our read on Mustique Bay is different.

Which Lots & Views Hold Value Best

Mustique Bay in 15 seconds.

HOA Dues, Gate & Waterfront Rules

Tools for a Mustique Bay buy.

Price to the lot, the water access, and the flood read, not an area average.

In Mustique Bay, condition and view decide your number

What is your Mustique Bay home worth?

Price History: What Homes Here Have Actually Sold For

Mustique Bay Market Scorecard

Frequently Asked Questions

Should you buy in Mustique Bay?

Get the inside read on Mustique Bay

You are all set.

Need to sell fast in Hillsborough County?

You just read the data. Now see what your home is worth.