6432 SUNSET BAY CIRCLE, APOLLO BEACH, FL, 33572
Active31 days on marketListed Jun 22, 2026MLS #TB8522038
About this home
6432 SUNSET BAY CIRCLE
It's time to make your wishes come true with elevated coastal living in this exceptional 4-story waterfront townhome offering 2,850 square feet, 3 bedrooms, 3.5 bathrooms, a 3-car tandem garage and private dock....for viewing magnificent sunsets every evening, spectacular views of Bal Harbor and Tampa Bay, minutes to Tampa Bay via your boat, a private dock with water, electric and a 10,000 lb. boat lift making fishing, boating and sailing right at your doorstep for hassle free boating adventures. Fire up your grill while watching boaters, birds and dolphins from your back lanai or walk down to Circles or Finns restaurants for those special family events. The second story has your family room, dining room and kitchen all blended for a perfect entertainment center including the screened lanai overlooking the waterfront. The upscale kitchen stands out with stainless steel appliances, granite counters and all wood cabinets. This family gathering center makes this a true family retreat mecca. The first guest bedroom with lagoon view and ensuite bath and walk-in closet is also located on this floor as is the guest half bath. Moving up to the third floor is the second guest bedroom with lagoon view and ensuite bath and walk-in closet. The laundry center is conveniently located down the hall. Next, the waterfront view owner's suite, which includes a cozy lanai perfect for morning coffee or evening sunset watching, makes this property an extraordinary find. The ensuite bath has double sinks, spacious walk-in shower and a jacuzzi garden tub for true relaxation as well as a spacious walk-in closet. The fourth floor has a spacious bonus room with stellar views of Tampa Bay and St. Pete. This flexible room can be used as a game room, media room, office or for extra sleeping acommodations. All floors are accessible via steps or via your private elevator. Come see this perfect waterfront townhome, with maintenance free living so you can enjoy all the amenities this property offers.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,841
Sqft
0.03 ac
Lot size
3
Garage
2005
Year built
Three Or More
Levels
$209
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.
$4,859 /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
$4,859/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
+14%
Days on market
31 vs 56 typical
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)
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →
Paper trail
This home's history
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 6432 SUNSET BAY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6432 SUNSET BAY 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
6432 SUNSET BAY CIRCLE FAQs
What would the monthly payment be for 6432 SUNSET BAY CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,859/mo — principal and interest, the actual property-tax bill, the $940/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 6432 SUNSET BAY CIRCLE?+
The association fee works out to $940 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6432 SUNSET BAY CIRCLE?+
The most recent tax bill on record (2025) was $3,902. 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 6432 SUNSET BAY CIRCLE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Yes. 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 $595,000, this home is listed about 21% 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 6432 SUNSET BAY CIRCLE?+
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
$595,000 runs 32% above the APOLLO BEACH 33572 median — but at 2,841 sqft it's also 34% 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.
03Know the monthly fee
The association fee is $940/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Joseph Eletto, P.a.. MLS #TB8522038.
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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