221 SELA COVE CIRCLE, APOLLO BEACH, FL, 33572
Active108 days on marketListed Apr 7, 2026MLS #TB8494021
About this home
221 SELA COVE CIRCLE
Owner says sell! What are you waiting for? BRAND NEW HVAC INSTALLED JUNE 2026. Enjoy a secluded, serene setting in this beautifully updated 3-bedroom, 2-bath Villa Home in MiraBay, Southern Hillsborough County’s premier waterfront community. This popular Meridian floor plan offers 1,966 square feet of thoughtfully designed living space and has been immaculately maintained with exceptional attention to detail. From the moment you arrive, you’ll appreciate the home’s elegant finishes and inviting atmosphere. Interior features include crown molding, wood-look tile plank flooring throughout the main living areas, carpet in the bedrooms, updated kitchen cabinetry, and renovated bathrooms. Decorative wood ceilings enhance both the private front porch and the expansive screened rear lanai, creating warm, stylish outdoor living spaces complemented by ceiling fans and a peaceful sense of privacy. Located in Flood Zone X, flood insurance is optional. Residents of MiraBay enjoy a true resort-style lifestyle with exceptional amenities, including a community pool, fitness center, pickleball, basketball and tennis courts, sand volleyball, a poolside café, active clubs, and community-wide events throughout the year. Conveniently situated on US Highway 41, MiraBay offers easy access to I-75, St. Joseph’s South Hospital, the Amazon Distribution Facility, and everyday essentials including grocery stores, banks, and more. MOTIVATED Seller!!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,960
Sqft
0.12 ac
Lot size
2
Garage
2006
Year built
One
Levels
$177
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.
$3,595 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,595/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−0.3%
$/sqft vs Apollo Beach actives
$177 vs $227
Days on market
108 vs 56 typical
Where $177/sqft sits among the 395 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 Mirabay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Apollo Beach. See the full Apollo Beach guide →
Mirabay — neighborhood snapshot
Population
2,133
Median age
56
Median income
$98,381
Median home value
$406,778
Avg household
2
Households w/ children
218
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 395
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 23% below the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 221 SELA COVE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$335,000
5314 GOLDEN ISLES DRIVE · same community
3 bd · 2 ba · 1,960 sqft · $171/sqft · 244 DOM
Sold · Apr ’26$335,000
5210 GOLDEN ISLES DRIVE · same community
3 bd · 2 ba · 1,960 sqft · $171/sqft · 149 DOM
Sold · Aug ’25$363,900
215 SELA COVE CIRCLE · same community
3 bd · 2 ba · 1,750 sqft · $208/sqft · 53 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 221 SELA COVE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 221 SELA COVE CIRCLE — 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
221 SELA COVE CIRCLE FAQs
What would the monthly payment be for 221 SELA COVE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,595/mo — principal and interest, the actual property-tax bill, the $410/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 221 SELA COVE CIRCLE?+
The association fee works out to $410 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 221 SELA COVE CIRCLE?+
The most recent tax bill on record (2025) was $9,943. 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 221 SELA COVE CIRCLE?+
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 $347,000, this home is listed about 29% below the Apollo Beach median of $490,000. The market section on this page shows how the area is trending.
Which schools are assigned to 221 SELA COVE CIRCLE?+
Apollo Beach K-8 School (elementary), Lennard High School (high), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the APOLLO BEACH 33572 market on paper
$347,000 is 23% below the APOLLO BEACH 33572 median of $450,000, and at $177/sqft it sits under the Apollo Beach average of $266.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Apollo Beach K-8 School, Lennard High School, Patricia Sullivan Metropolitan Ministries Partnership School — Apollo Beach K-8 School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $369,000, now $347,000 — a $22K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX PREMIER GROUP · Paula Dysle. MLS #TB8494021.
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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