Waterset
Homes for Sale in Apollo Beach, FL
All 355 homes for sale in Apollo Beach, FL · median $465,000 · Hillsborough County homes for sale
True comps, carrying-cost math, and listings before the portals.
Waterset Ph 3A-3 & Covington Gard is a community in Apollo Beach, Hillsborough County, FL. Across Apollo Beach as a whole, 323 homes closed in the last 12 months at a median of $501,250, 71 median days on market, with 137 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).
Part of the Waterset master-planned community in Apollo Beach, FL — see all Waterset homes for sale (99 listings across 27 villages and sections in the MLS).
This section of Waterset — Phase 3A-3 and Covington Garden — sits inside one of Apollo Beach's larger master-planned developments, and pricing here is driven mostly by lot position, builder finish level, and how recently a home was constructed rather than by any standalone identity separate from the broader Waterset footprint.
Current MLS data for this specific phase does not surface a distinct amenity package or a clean price signal apart from the parent community, which means buyers and sellers should treat this as a sub-pocket of Waterset's overall market rather than a market unto itself. Anyone pricing a listing or an offer here needs to look at what Waterset as a whole is doing, not just this phase in isolation.
Nearby homes for sale
No active listings inside Waterset Ph 3A-3 & Covington Gard 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
Waterset Ph 3A-3 and Covington Garden is a later-phase section of the Waterset development in Apollo Beach, Hillsborough County. Current MLS records for this specific phase do not show a distinct amenity list separate from the broader community, so buyers should confirm what's included through Waterset's shared facilities rather than assuming anything is unique to this section.
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 Waterset is best for.
Best for
- Buyers focused on newer construction within an established Apollo Beach community
- Buyers who plan to verify amenity access directly rather than rely on phase-level assumptions
- Sellers whose comparable sales should be pulled from the broader Waterset market, not just this sub-phase
Probably not for
- Buyers who need a fully documented, phase-specific amenity list before making a decision
- Buyers expecting a price range or entry point without first reviewing current comparable listings
- Anyone assuming this phase has a private amenity package distinct from the rest of Waterset
The market around Waterset
Waterset is too small for its own price trend, so here is the market around it.
Across Hillsborough County, 5,970 homes are active and 2,046 pending (26% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not Waterset specifically. Momentum Research analysis of MLS records.
The Waterset buying strategy.
If we were buying in Waterset 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 Waterset.
A Phase Inside a Larger Whole
Waterset itself is a large, multi-phase community, and Phase 3A-3 / Covington Garden represents one build-out segment within it. Homes in newer phases like this typically reflect more recent construction standards and floor plans compared to earlier sections, which matters for buyers weighing construction age and finish level as much as location.
Because current MLS activity in this specific phase does not isolate a separate amenity set, due diligence here means verifying directly which pools, trails, or common areas a given address has access to under Waterset's overall structure, rather than relying on a listing description alone. That verification step is worth doing before writing an offer or setting a list price.
The location and the amenities are priced into every listing in Waterset. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
A phase like this requires pulling data at both the sub-section and community-wide level to get an accurate read on pricing and inventory — we do that comparison before advising a number, rather than pricing off a single phase in isolation.
Waterset in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- 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 Waterset 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 Waterset sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterset, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterset home worth?
Get a no-obligation home value based on real comparable sales in Waterset, 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 →
Should you buy in Waterset?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
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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More Apollo Beach & Tampa & Hillsborough County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Tampa & Hillsborough County or the full Neighborhood Finder.
See how Waterset fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Waterset
Where is Waterset?
Waterset is a community in Apollo Beach, Hillsborough County, Florida.
Are there homes for sale in Waterset right now?
No active listings inside Waterset at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Waterset have an HOA or CDD?
No HOA is on record for Waterset 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
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