554 ESTUARY SHORE LANE, APOLLO BEACH, FL, 33572
Active360 days on marketListed Aug 8, 2025MLS #TB8415537
About this home
554 ESTUARY SHORE LANE
Pre-Construction. To be built. Pre-construction. Welcome to this custom-built, contemporary coastal masterpiece with direct, bridge-free access to Tampa Bay! Located in the heart of Apollo Beach, this individually gated waterfront property offers the ultimate blend of style, space, and convenience for modern coastal living. 3 Bedrooms + Bonus Room (Optional 4th Bedroom at bonus area) 3.5 Bathrooms 3,022 Sq Ft of Living Space Dockable Waterfront with No Bridges to Bay Step inside to a stunning open-concept design highlighted by luxury vinyl plank flooring throughout the first and second floors, including the stairs—ideal for ultra-low maintenance living. The chef’s kitchen is a showstopper, featuring: An oversized island with stone countertops and base cabinets on both sides 42” upper painted cabinets Double ovens, range, and cooktop Pre-plumbing and pre-wiring for an outdoor kitchen Quartz countertops in the laundry room and all bathrooms Retreat to the elegant primary suite, complete with: An oversized walk-in shower Freestanding upgraded soaking tub Extended dual vanity with quartz countertops Enjoy ample garage storage for bikes, kayaks, or holiday décor. Modern-style Pebble Tec Pool with sun shelf already predesigned to fit your private waterfront oasis. With too many upgrades to list, this is a home you must see in person. Schedule your private tour today and experience luxury waterfront living at its finest!
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,022
Sqft
0.13 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$364
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$6,738 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,738/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−18.3%
$/sqft vs Apollo Beach actives
$364 vs $227
Days on market
360 vs 56 typical
Where $364/sqft sits among the 384 Apollo Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Apollo Beach
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apollo Beach. See the full Apollo Beach guide →
APOLLO BEACH 33572 — neighborhood snapshot
Population
25,045
Median age
43.8
Median income
$113,775
Median home value
$430,900
Avg household
2.59
Households w/ children
3,126
For the school run
Hillsborough County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Apollo Beach market
$450K → $472K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
221 of 384
Apollo Beach actives have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 148% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 554 ESTUARY SHORE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,399,000
548 ESTUARY SHORE LANE · same community
4 bd · 2.5 ba · 3,322 sqft · $421/sqft · 784 DOM
Sold · May ’26$990,000
5975 BLAKENEY LOOP
4 bd · 3 ba · 2,983 sqft · $332/sqft · 200 DOM
Sold · May ’26$935,000
910 SIGNET
4 bd · 3.5 ba · 3,239 sqft · $289/sqft · 265 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 554 ESTUARY SHORE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 554 ESTUARY SHORE LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
554 ESTUARY SHORE LANE FAQs
What would the monthly payment be for 554 ESTUARY SHORE LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,738/mo — principal and interest, the actual property-tax bill, the $83/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 554 ESTUARY SHORE LANE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 554 ESTUARY SHORE LANE?+
The most recent tax bill on record (2024) was $1,828. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 554 ESTUARY SHORE LANE?+
The listing reports pets: Breed Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Apollo Beach?+
At $1,099,000, this home is listed about 124% above the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 554 ESTUARY SHORE LANE?+
Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,099,000 runs 148% above the APOLLO BEACH 33572 median — but at 3,022 sqft it's also 43% larger than the typical Apollo Beach listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
360 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of SCHMIDT REAL ESTATE, INC. · Aaron Schmidt. MLS #TB8415537.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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