5409 CONCH SHELL PLACE, APOLLO BEACH, FL, 33572
Active0 days on marketListed Jul 22, 2026MLS #TB8528445
About this home
5409 CONCH SHELL PLACE
Virtually Staged. Welcome to 5409 Conch Shell Dr, a beautifully maintained one-story, 4-bedroom, 2-bathroom home that offers spacious living and the ultimate Florida lifestyle. A/C (2021), water heater (2024), and gutters, this residence features high ceilings, elegant tile flooring, a formal dining room, and upgraded light fixtures. The granite kitchen includes stainless steel appliances, ample cabinetry, and a comfortable dining area ideal for everyday living and entertaining. The luxurious primary suite boasts dual walk-in closets, double vanities, a soaking tub, a separate walk-in shower, and serene conservation views. Triple sliding doors open to a large screened area and paver patio, complemented by a storage shed and a fully fenced backyard. Situated on a quiet cul-de-sac and spanning just over a quarter acre, the property provides exceptional privacy and generous outdoor space. Harbour Isles is a resort-style amenities such as a pool and spa, fitness center, basketball and volleyball courts, playground, walking trails, fishing pier, and a boat/RV parking. Conveniently positioned just minutes from I75, US-41, the new Walmart, Publix, a variety of dining and shopping options, as well as Little Harbor and the Apollo Beach Preserve, this home offers a perfect blend of comfort, style, and exceptional convenience in one of the area’s most desirable locations. Furniture is negotiable.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,213
Sqft
0.27 ac
Lot size
3
Garage
2010
Year built
One
Levels
$221
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.
$3,578 /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
$3,578/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
+11%
$/sqft vs HARBOUR ISLES PH 1
$221 vs $187
Days on market
0 vs 56 typical
Where $221/sqft sits among the 8 homes for sale in HARBOUR ISLES PH 1
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
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)
5 of 8
HARBOUR ISLES PH 1 have cut their price
Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% 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 5409 CONCH SHELL PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$617,500
211 ROYAL BONNET DRIVE · same community
4 bd · 3 ba · 2,218 sqft · $278/sqft · 78 DOM
Sold · May ’26$625,000
5405 CORAL SHELL WAY · same community
4 bd · 3 ba · 2,326 sqft · $269/sqft · 30 DOM
Sold · May ’26$560,000
316 ROYAL BONNET DRIVE · same community
4 bd · 3 ba · 2,371 sqft · $236/sqft · 168 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 5409 CONCH SHELL PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5409 CONCH SHELL PLACE — 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
5409 CONCH SHELL PLACE FAQs
What would the monthly payment be for 5409 CONCH SHELL PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,578/mo — principal and interest, the actual property-tax bill, the $8/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 5409 CONCH SHELL PLACE?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5409 CONCH SHELL PLACE?+
The most recent tax bill on record (2025) was $3,699. 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 5409 CONCH SHELL PLACE?+
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 $490,000, this home is priced right at the Apollo Beach median.
Which schools are assigned to 5409 CONCH SHELL PLACE?+
Shields Middle School (middle), Lennard High School (high), Cypress Creek Elementary School (elementary), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Mirella Reyes. MLS #TB8528445.
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.
Never miss a listing
New Apollo Beach homes, in your inbox
Like 5409 CONCH SHELL PLACE but not quite? A daily digest of every new listing in Apollo Beach — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Eric to ping you on any price or status change →