5216 POINT HARBOR LANE, APOLLO BEACH, FL, 33572
Active13 days on marketListed Jul 11, 2026MLS #TB8528229
About this home
5216 POINT HARBOR LANE
Welcome to One of MiraBay's Premier Waterfront Homes Experience luxury waterfront living at its finest in this beautifully remodeled 6-bedroom + office/den, 3.5-bath residence offering 3,366 square feet of thoughtfully designed living space. Perfectly positioned on one of MiraBay's most desirable waterfront homesites, this exceptional property overlooks the community's breathtaking 143-acre freshwater lagoon while providing direct boating access to Tampa Bay from your private dock with a 10,000-pound boat lift. Designed with entertaining in mind, the home features an impressive 50' x 20' great room addition surrounded by expansive sliding glass doors that frame panoramic water views and seamlessly blend indoor and outdoor living. Whether hosting family gatherings or enjoying a quiet evening at home, the lagoon becomes the centerpiece of nearly every room. Step outside to your own private waterfront resort. The spacious covered lanai comfortably accommodates 12 or more guests and overlooks the sparkling heated pool and spa, completed in 2021, with elegant travertine decking providing abundant space for relaxing and entertaining. A panoramic screened enclosure, installed in 2023, maximizes the breathtaking water views while creating the perfect outdoor living environment. The fully equipped outdoor kitchen is truly built for entertaining and features a Kamado Joe smoker, Blackstone flat-top grill, built-in refrigerator, and generous prep space, making every weekend gathering feel like a special occasion. Situated on one of the deepest homesites in MiraBay, the property spans approximately 172 feet deep, providing an expansive backyard rarely found within the community. A portion of the yard is fenced, creating the perfect space for pets or play while preserving the open waterfront setting. Inside, nearly every inch of the home has been tastefully remodeled, creating a move-in-ready residence that combines modern finishes with comfortable everyday living. Recent major improvements include a new roof (2021) and new air conditioning system (2021), allowing the next owner to enjoy peace of mind for years to come. For boating enthusiasts, your private dock and 10,000-pound boat lift offer quick and convenient access to Tampa Bay for fishing, waterfront dining, island hopping, or sunset cruises. Living in MiraBay means enjoying one of Tampa Bay's premier waterfront communities, featuring two heated resort-style pools, a 24-hour fitness center, tennis courts, pickleball courts, basketball courts, kayaking, walking trails, parks, and an active calendar of community events. Residents also enjoy the convenience of accessing the nearby MiraBay Village shopping plaza by golf cart. Another significant advantage is that MiraBay is an elevated waterfront community, and flood insurance premiums are often lower than those in many surrounding waterfront neighborhoods.
Facts & features
The home at a glance
6
Bedrooms
3.5
Bathrooms
3,366
Sqft
0.2 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$379
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.
$9,265 /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
$9,265/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.
$/sqft vs Apollo Beach actives
$379 vs $227
Days on market
13 vs 56 typical
Where $379/sqft sits among the 397 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)
228 of 397
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 183% 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 5216 POINT HARBOR LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$525,000
405 ISLEBAY DRIVE
5 bd · 3.5 ba · 3,351 sqft · $157/sqft · 118 DOM
Sold · Jun ’26$865,000
528 ISLEBAY DRIVE
5 bd · 4 ba · 3,304 sqft · $262/sqft · 69 DOM
Sold · May ’26$902,500
5517 MERRITT ISLAND DRIVE
5 bd · 3 ba · 3,172 sqft · $285/sqft · 71 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 5216 POINT HARBOR LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5216 POINT HARBOR 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
5216 POINT HARBOR LANE FAQs
What would the monthly payment be for 5216 POINT HARBOR LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,265/mo — principal and interest, the actual property-tax bill, the $16/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 5216 POINT HARBOR LANE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5216 POINT HARBOR LANE?+
The most recent tax bill on record (2025) was $20,775. 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 5216 POINT HARBOR LANE?+
The listing reports pets: 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 $1,275,000, this home is listed about 160% 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 5216 POINT HARBOR LANE?+
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
Three things that matter here
01Positioned at the premium end
$1,275,000 runs 183% above the APOLLO BEACH 33572 median — but at 3,366 sqft it's also 59% 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.
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.
Keep looking
Similar homes nearby
Listing courtesy of 27NORTH REALTY · Gene Batronie. MLS #TB8528229.
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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