Waterset,
Apollo Beach Homes for Sale

Amenity-rich master-planned community · Apollo Beach · ZIP 33572

A large, amenity-rich Newland master plan in Apollo Beach, minutes from I-75 and the SouthShore corridor.

Multiple pools and clubhousesMany buildersApollo Beach

Live Market Pulse

50/100
Momentum

Buyer-Leaning Market (limited data)

Homes carry both an HOA fee and a CDD assessment that vary by product and lot, so the phase, the lot premium, and the full carrying cost decide where a home trades.

Free · No obligation

Unlock Off-Market Waterset

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

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Median Price

0mo

Supply

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Avg DOM

Soft

Seller Leverage

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Median $/Sqft

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1-Yr Price Change

0now

Distress

Jon's Current Read

"Waterset is a large, amenity-rich master plan in Apollo Beach, so the read is the opposite of a thin acreage market: there is real inventory, multiple builders, and a deep amenity package, which means the buy is about matching the specific home, lot, and phase to the price rather than chasing a community average. The wild card here is carrying cost: homes carry both an HOA and a CDD assessment that vary by product and lot, so the true monthly number can differ meaningfully from one address to the next. Confirm the HOA dues, the CDD on the tax bill, the builder or resale condition, and the lot premium for the specific home before you anchor to a list price."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Waterset is a Newland master-planned community in Apollo Beach (ZIP 33572), in south Hillsborough County roughly 16 miles south of downtown Tampa off Big Bend Road and the U.S. 41 and I-75 corridor. Planned across roughly 1,300 acres and reported to build out toward a few thousand homes, it is one of the larger amenity-driven master plans in the SouthShore area, with single-family homes and townhomes from several national builders including Homes by WestBay, David Weekley Homes, Cardel Homes, and others.

The defining feature is the amenity package. Waterset is built around multiple clubhouses, several community pools including a resort-style pool with a water slide and a lap pool, fitness centers, a cafe, sports courts for tennis, pickleball, basketball and sand volleyball, more than a dozen parks, and over ten miles of trails, with a year-round calendar of community events. A newer amenity, the Founder's Club, adds a resort pool, a fitness room, pickleball courts, and a clubhouse with co-working space. There is also a separate gated 55+ neighborhood, Regency by Toll Brothers, with its own amenity center, The Cove.

The honest read is that this is a carrying-cost community, not an acreage play. Homes in Waterset are reported to carry both an HOA and a Community Development District (CDD) assessment, with the figures depending on the home type, builder, and lot. The CDD is a bond-backed financing tool that funds the roads and amenity infrastructure and shows up on the annual tax bill, so two similar homes can carry different true monthly costs. Treat the amenities as a real, funded benefit, and confirm the exact HOA dues and CDD line for the specific home rather than assuming a community number.

For buyers who want a turnkey, amenity-rich master plan with new-construction and recent-resale options, good schools, and quick access to Tampa, MacDill, and the Gulf side of the bay, Waterset is one of the deepest options in Apollo Beach. The work is straightforward: confirm the phase, the builder or condition, the lot premium, and the full HOA-plus-CDD carrying picture on a specific home before you fall for a list price.

Quick Match

Who Waterset is best for.

Best for

Buyers who want a turnkey, amenity-rich master plan with pools, clubhouses, and trails
Households who want new-construction or recent-resale single-family homes or townhomes
Buyers who value a year-round community calendar and resort-style recreation
People who want quick access to U.S. 41, I-75, Tampa, and the SouthShore corridor

Probably not for

Buyers who want a low-density acreage parcel with privacy and no shared amenities
Those who want to avoid both HOA dues and a CDD assessment on the tax bill
Buyers set on direct waterfront or boat access, which Waterset does not offer
Anyone seeking an established, fully built-out neighborhood with no active construction

Market Pulse

How Waterset is performing right now

50/100
momentum

Buyer-Leaning Market (limited data)

Seller's marketBalancedBuyer's market

0Months of supplytight

57Median days on marketdays

0 : 0Under contract vs for salestrong demand

0Sold in last 12 monthsliquidity

+127%Median price since 2012appreciation

+0%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 24, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Waterset 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 now0 : 0active : pending

For sale0

Pending0

Sold 12mo0

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 Waterset buys, holds, and resells. See the five factors.

Interactive Map

Waterset 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

Waterset sits in Apollo Beach, with everyday shopping, major roads, and the wider Tampa Bay area within a reasonable drive.

Drive times from Waterset. They are approximate and vary with traffic and your exact departure point.

Apollo Beach (U.S. 41 corridor)~5-10 min · Shops, dining, and services

I-75 (Big Bend Road interchange)~5-10 min · Regional access north and south

Downtown Tampa~30-40 min · About 16 miles north via I-75

MacDill Air Force Base~30-40 min · Via Gandy or the Selmon Expressway

St. Petersburg~35-45 min · Across the bay via I-275

Tampa International Airport~40-50 min · Via I-75 and the Selmon Expressway

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

Nearby Communities

Explore more neighborhoods near Waterset,Apollo Beach with Momentum Realty’s local guides.

WAWatersetApollo Beach, FL · 0.3 mi SASabalKeyApollo Beach, FL · 0.5 mi ICIndigo CreekApollo Beach, FL · 0.6 mi RWRegency at WatersetApollo Beach, FL · 0.7 mi ACAntigua CoveApollo Beach, FL · 0.9 mi SWSeasons at WatersetApollo Beach, FL · 1.0 mi MPMiraBay (Parcel 8)Apollo Beach, FL · 1.0 mi LPLookout Place,Apollo BeachApollo Beach, FL · 1.0 mi CPCovington ParkApollo Beach, FL · 1.3 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

Waterset (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

Waterset 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 Waterset address.

The takeaway

What is actually shaping value around Waterset: a maturing 55+ Regency neighborhood with its new Cove amenity center, an expanding Founder's Club recreation package, and broader SouthShore corridor growth. The dated items below are sourced and linked.

Recent Developments in Waterset

Development Intelligence

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

Net OutlookBullishWaterset continues to mature as a large amenity-driven master plan, with a newer Founder's Club amenity and a gated 55+ Regency neighborhood broadening the product mix and recreation. The watch items are SouthShore corridor traffic and the combined HOA-plus-CDD carrying cost, against a deep amenity package and steady builder activity that support the community's draw.

Regency by Toll Brothers 55+ neighborhood maturing inside Waterset

2025

BullishNotable impact

SignificanceRadius: Community

The gated 55+ Regency section opened in 2024 and its amenity center, The Cove, opened in late 2025, broadening the buyer pool within the master plan and adding low-maintenance product alongside the residential neighborhoods.

Founder's Club amenity expanding the recreation package

2025

BullishNotable impact

SignificanceRadius: Community

A newer amenity center with a resort pool, fitness room, pickleball courts, and co-working space deepens the already large amenity offering, which supports the community's draw over time.

SouthShore corridor growth and traffic

Ongoing

NeutralNotable impact

SignificanceRadius: Area

Continued growth along Big Bend Road and the U.S. 41 and I-75 corridor brings new rooftops, retail, and traffic. Check current drive times at your departure hour before you anchor to a commute.

Both HOA and CDD carrying costs

Ongoing

NeutralNotable impact

SignificanceRadius: Community

Homes here carry both an HOA fee and a CDD assessment that vary by product and lot, so the true monthly cost can differ meaningfully from one address to the next. Confirm both for the specific home.

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 Waterset, 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 ↓

December 2025
Community
Toll Brothers opens The Cove amenity center at Regency at Waterset
Toll Brothers announced the grand opening of The Cove, the amenity center for its gated 55+ Regency at Waterset neighborhood in Apollo Beach, featuring a fitness center, a resort-style pool, a social room, and an on-site lifestyle director. Why it matters: A maturing 55+ section with its own amenities broadens the buyer pool inside the master plan and adds low-maintenance product. Source
May 2024
Community
Toll Brothers opens Regency at Waterset active-adult community
Toll Brothers announced the opening of Regency at Waterset, a gated 55+ active-adult community within the Waterset master plan in Apollo Beach, offering low-maintenance villas and single-family homes in Hillsborough County. Why it matters: The addition of a dedicated 55+ neighborhood signals continued buildout and a wider range of product within Waterset. 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 Waterset buying strategy.

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

Confirm the full carrying cost. Ask for the HOA dues and check the CDD assessment on the tax bill, since both vary by home type and lot.

Read the phase and the lot. Builder, phase, and lot premium drive value across a large master plan; match the specific home to recent comps.

Inspect new-build and resale honestly. For new construction confirm the builder warranty and completion; for resale get a real condition read.

Match the amenity fit to your use. The pools, clubhouses, cafe, and trails are a funded benefit; weigh whether you will use them against the dues.

Verify school zoning by address, and explore the wider SouthShore area at the Tampa and Hillsborough hub for context.

The Quick Decision

Best Buy

Well-located home matched to comps with the lot premium and carrying cost understood

Biggest Risk

Underestimating the combined HOA and CDD assessment on the specific home

Best Lot

A usable lot with a sensible premium near the amenities you will actually use

Smart Timing

Inventory is steady across builders and resale, so move when the right home and phase line up

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

Waterset is a Newland master-planned community in Apollo Beach, in south Hillsborough County off Big Bend Road and the U.S. 41 and I-75 corridor, roughly 16 miles south of downtown Tampa. Planned across about 1,300 acres, it offers single-family homes and townhomes from several national builders and is built around a large amenity package: multiple clubhouses, several community pools including a resort-style pool with a water slide and a lap pool, fitness centers, a cafe, more than a dozen parks, over ten miles of trails, and courts for tennis, pickleball, basketball, and sand volleyball, with year-round events. A newer Founder's Club amenity adds a resort pool, fitness room, and co-working space, and a gated 55+ Regency by Toll Brothers neighborhood has its own amenity center, The Cove. Homes are reported to carry both an HOA fee and a CDD assessment that vary by product and lot, so confirm the full carrying cost for the specific home.

Waterset Homes For Sale

What your money buys in Waterset.

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 Waterset 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

Townhomes and smaller single-family homes, the value route into the master plan and its amenity package with a lighter footprint.

Lowest entry

The Core Home

Mainstream single-family homes from the community's national builders on standard lots, the heart of what trades here new and resale.

Most inventory

The Top

Larger or upgraded single-family homes on premium lots, plus the low-maintenance 55+ Regency product, the homes that hold value best.

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 ~$900K buys here.

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

The Entry Home

Townhomes and smaller single-family homes, the value route into the master plan and its amenity package with a lighter footprint.

The Core Home

Mainstream single-family homes from the community's national builders on standard lots, the heart of what trades here new and resale.

The Top

Larger or upgraded single-family homes on premium lots, plus the low-maintenance 55+ Regency product, the homes that hold value best.

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 Waterset, 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 Waterset 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 Waterset holds value.

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

Location within Apollo BeachStrong

Established communityPositive

HOA and CDD postureConfirm per parcel

Home condition and systemsVerify per home

Flood read per lotVerify per address

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 Waterset

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.

“

The amenities are real and funded. The deal is won or lost on the phase, the lot premium, and the full HOA-plus-CDD carrying cost.

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.

8.4A- · Buy Score

Resale Strength8.4/10

Renovation Risk4.0/10

Location Efficiency8.6/10

Long-Term Defensibility8.2/10

Carrying Cost Advantage7.0/10

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 Waterset 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

The lot and the homesite are the scarce, durable asset here
A better-positioned lot holds value at resale
The homesite cannot be changed, the house can
Read the lot and the flood zone before the finishes
Condition and renovation level drive the number

In Waterset, the part of your money the market protects is the lot, the position, and the condition of the home. Read the lot, the homesite, and the flood zone first, then price the condition and the renovation level against it.

The 15-Second Verdict

Waterset in 15 seconds.

Best forBuyers who want a turnkey, amenity-rich master plan with pools, clubhouses, and trails in Apollo Beach.

Biggest advantageA deep amenity package and broad builder choice with quick access to I-75, Tampa, and the SouthShore corridor.

Biggest riskCombined HOA and CDD carrying costs that vary by home and lot, so the true monthly number can surprise you.

Sweet spotA well-located home on a sensible lot matched to comps with the carrying cost confirmed.

Avoid ifYou want a low-density acreage parcel or direct waterfront with no shared dues.

HOA, CDD & Fees

15-Second Take

Both an HOA fee and a CDD assessment apply
Figures vary by home type, builder, and lot
Check the CDD line on the tax bill
Amenities include multiple pools and clubhouses
Confirm all dues with the listing before you buy

Homes in Waterset are reported to carry an HOA fee plus a separate CDD assessment, with the figures depending on the home type, builder, and lot. Confirm the exact HOA dues and the CDD line on the tax bill for the specific home before you buy.

The HOA and CDD fund the community's shared amenities and infrastructure, including the clubhouses, pools, fitness centers, parks, trails, sports courts, and common-area upkeep, plus community programming.

Multiple clubhouses anchor the community, with several pools including a resort-style pool with a water slide and a lap pool, fitness centers, a cafe, and courts for tennis, pickleball, basketball, and sand volleyball. The 55+ Regency neighborhood has its own amenity center, The Cove.

Run Your Numbers

Tools for a Waterset 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 Waterset.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 Waterset

Price it to the phase, the lot premium, and the condition, not the Zestimate.

If you are thinking about selling in Waterset, the right list price comes from recent comparable sales matched to your phase, your lot premium, your builder, and your home's condition, not an automated estimate. In an active master plan with new construction nearby, your position against the builder's current inventory matters.

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 Waterset, 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 Waterset home worth?

Get a no-obligation home value based on real comparable sales in Waterset 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 Waterset on the map →
Or get your Waterset home value & selling guide →

Real comps, not a Zestimate.

Waterset Market Scorecard

Strong seller's market

Waterset 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 Waterset located?

Waterset is a master-planned community in Apollo Beach (ZIP 33572), in south Hillsborough County off Big Bend Road and the U.S. 41 and I-75 corridor, roughly 16 miles south of downtown Tampa.

Who developed Waterset and who builds there?

Waterset is a Newland master-planned community. Homes are built by several national builders, with Homes by WestBay, David Weekley Homes, and Cardel Homes among those that have built in the community. Confirm the active builders for the phase you are considering.

Does Waterset have an HOA and a CDD?

Yes. Homes in Waterset are reported to carry both an HOA fee and a separate CDD assessment, with the amounts depending on the home type, builder, and lot. Confirm the exact HOA dues and the CDD line on the tax bill for the specific home before you buy.

What is a CDD and why does Waterset have one?

A Community Development District is a special district that uses bond financing to build and maintain community infrastructure such as roads and amenities. The assessment appears on the annual property tax bill and varies by home and lot, so confirm the current figure for the specific property.

What amenities does Waterset offer?

Waterset is built around multiple clubhouses, several pools including a resort-style pool with a water slide and a lap pool, fitness centers, a cafe, more than a dozen parks, over ten miles of trails, and courts for tennis, pickleball, basketball, and sand volleyball, with year-round community events.

What is the Founder's Club at Waterset?

The Founder's Club is a newer amenity center in Waterset with a resort-style pool, a fitness room, pickleball courts, a playground, and a clubhouse that includes co-working space. It adds to the community's existing clubhouses and pools.

Is there a 55+ neighborhood in Waterset?

Yes. Regency by Toll Brothers is a gated 55+ active-adult neighborhood within Waterset, offering low-maintenance villas and single-family homes. Its amenity center, The Cove, opened in late 2025 with a fitness center, a resort-style pool, and a lifestyle director.

What kind of homes are in Waterset?

Mostly new-construction and recent-resale single-family homes and townhomes from several national builders, across a range of sizes and price tiers. The 55+ Regency neighborhood adds low-maintenance villa and single-family product.

What schools serve Waterset?

Waterset is served by Hillsborough County Public Schools. School assignment is by address and can change with boundary updates, so confirm the exact zoned elementary, middle, and high schools for the specific home with the district.

How far is Waterset from Tampa and MacDill?

Downtown Tampa is about 16 miles north, roughly 30 to 40 minutes via I-75, and MacDill Air Force Base is roughly 30 to 40 minutes via Gandy or the Selmon Expressway. Confirm your real commute at your departure time.

Is Waterset a waterfront community?

No. Waterset is an amenity-driven master plan with pools, trails, and lakes for scenery, but it is not a direct-waterfront or boating community. For waterfront and boat access in Apollo Beach, a community like MiraBay is the comparable option.

Is Waterset a good place to buy?

For buyers who want a turnkey, amenity-rich master plan with new-construction and resale choice and quick access to Tampa and the SouthShore corridor, it can be a strong fit. As always, the specific home, lot, phase, and the combined HOA-plus-CDD carrying cost drive the outcome; this is not a guarantee of future value.

How much inventory is there in Waterset?

Inventory is generally steady, with new construction from multiple builders alongside resale homes, so there is usually choice across price tiers. Being clear on the phase, lot, and carrying cost helps you compare options quickly.

What should I check before buying in Waterset?

Confirm the HOA dues and the CDD assessment, read the phase and lot premium, get an honest condition or new-build completion read, weigh the amenity fit against the dues, and verify school zoning by address.

Should I use the builder's or listing agent to buy in Waterset?

No. The builder's sales agent and the resale listing agent work for the seller. In a large master plan where phase, lot premium, and carrying cost swing value, having your own representation is the highest-leverage decision you make.

Who is the best real estate agent for Waterset?

The best agent for Waterset 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 Waterset.

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

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 Waterset and the wider Apollo Beach area.

Can Momentum Realty connect me with an agent for Waterset?

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

The Verdict

Should you buy in Waterset?

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

Buyers who want a turnkey, amenity-rich master plan with pools, clubhouses, and trailsExcellent fit

Households who want new-construction or recent-resale single-family homes or townhomesExcellent fit

Buyers who value a year-round community calendar and resort-style recreationExcellent fit

People who want quick access to U.S. 41, I-75, Tampa, and the SouthShore corridorExcellent fit

Buyers who will confirm the full HOA-plus-CDD carrying cost on the specific homeExcellent fit

Buyers who want a low-density acreage parcel with privacy and no shared amenitiesProbably not

Those who want to avoid both HOA dues and a CDD assessment on the tax billProbably not

Buyers set on direct waterfront or boat access, which Waterset does not offerProbably not

Anyone seeking an established, fully built-out neighborhood with no active constructionProbably not

Buyers unwilling to weigh the amenity fit against the monthly carrying costProbably not

Get the inside read on Waterset

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Waterset 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 Waterset specialist will reach out personally, usually the same day.

Thinking about hiring an agent here? How to find the best real estate agent in Waterset — 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.

Waterset,Apollo Beach Homes for Sale

The 60-Second Overview

Who Waterset is best for.

Best for

Probably not for

How Waterset is performing right now

Waterset 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 Waterset

Regency by Toll Brothers 55+ neighborhood maturing inside Waterset

Founder's Club amenity expanding the recreation package

SouthShore corridor growth and traffic

Both HOA and CDD carrying costs

Toll Brothers opens The Cove amenity center at Regency at Waterset

Toll Brothers opens Regency at Waterset active-adult community

The Waterset buying strategy.

The full read, only if you want it.

What your money buys in Waterset.

What ~$900K buys here.

Renovation & Resale Intelligence

The renovation premium.

The lot premium.

How well Waterset holds value.

5 Mistakes Buyers Make in Waterset

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 Waterset is different.

Which Lots & Views Hold Value Best

Waterset in 15 seconds.

HOA, CDD & Fees

Tools for a Waterset buy.

Price it to the phase, the lot premium, and the condition, not the Zestimate.

In Waterset, condition and view decide your number

What is your Waterset home worth?

Price History: What Homes Here Have Actually Sold For

Waterset Market Scorecard

Frequently Asked Questions

Should you buy in Waterset?

Get the inside read on Waterset

You are all set.

Need to sell fast in Hillsborough County?

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

Waterset,
Apollo Beach Homes for Sale