
316 STAR SHELL DRIVE, APOLLO BEACH, FL, 33572
Active22 days on marketListed Jul 7, 2026MLS #A4698389
About this home
316 STAR SHELL DRIVE
PRICE REDUCTION • RARE WATERFRONT OPPORTUNITY UNDER $500K • 4 BEDROOMS • 3 BATHS • OVERSIZED LOT WITH ROOM FOR A POOL • ALL MAJOR IMPROVEMENTS ALREADY COMPLETED Rarely does a home offer this combination of waterfront privacy, move-in-ready condition, an oversized homesite, and exceptional value—all for under $500,000. Nestled in one of the area's most desirable waterfront communities, this meticulously maintained 4-bedroom, 3-bath residence overlooks a peaceful pond with a wooded backdrop, creating a private retreat with no rear neighbors and plenty of room to add the pool you've always envisioned. Even better, the expensive updates have already been completed, allowing you to move in with confidence. Recent improvements include a new roof (2022), HVAC system (2023), washer and dryer (2023), new refrigerator (2026), luxury vinyl plank throughout living spaces and primary bedroom suite, brand-new carpet in the guest bedrooms, and a freshly painted interior. Designed to embrace Florida living, the expansive, fully fenced backyard provides endless possibilities for entertaining and recreation. Enjoy evenings around the fire pit, weekend cookouts beneath the covered grilling area with retractable awning, or unwind on the spacious screened lanai overlooking the tranquil water. Prefer less maintenance? The community's resort-style pool is just moments away. Inside, a wall of 8-foot sliding glass doors immediately draws your eye to the serene water views, filling the home with natural light. High ceilings and an open-concept floor plan seamlessly connect the living, dining, family, and kitchen spaces, creating an ideal layout for everyday living and effortless entertaining. The well-appointed kitchen features granite countertops, 42-inch solid wood cabinetry, stainless steel appliances—including an induction range with a built-in air fryer—a dedicated coffee bar, and a built-in wine refrigerator. The spacious primary suite offers peaceful water views, luxury vinyl plank flooring that continues throughout the main living areas, two walk-in closets, and a spa-inspired ensuite with dual granite vanities, an oversized glass-enclosed shower, and a tiled alcove designed for a future soaking tub. A thoughtfully designed split-bedroom floor plan provides privacy for everyone, with two guest bedrooms sharing a full bath while the fourth bedroom enjoys its own private bath—perfect for visiting guests, multigenerational living, or a home office. Additional features include beautiful professional landscaping, a smart Rachio irrigation system for enhanced water efficiency, and an oversized three-car garage with abundant overhead storage for vehicles, golf carts, recreational equipment, and more. Residents of Harbour Isles enjoy an exceptional amenity package including a clubhouse, resort-style pool, fitness center, walking trails, gazebo, playground, basketball court, sand volleyball court, and dedicated boat and RV storage. Multiple marinas and public boat launches are just minutes away. Ideally located with convenient access to Tampa, St. Petersburg, Ybor City, Sarasota, Anna Maria Island's award-winning beaches, premier shopping, dining, entertainment, and three international airports, this home delivers the perfect balance of comfort, convenience, and the Florida waterfront lifestyle. More than just a home—this is a rare opportunity to enjoy waterfront living, privacy, and peace of mind without compromising on space, location, or value.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,450
Sqft
0.2 ac
Lot size
3
Garage
2012
Year built
One
Levels
$204
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.
$4,106 /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
$4,106/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
−1.4%
$/sqft vs Apollo Beach actives
$204 vs $227
Days on market
22 vs 56 typical
Where $204/sqft sits among the 393 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)
228 of 393
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 14% 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 316 STAR SHELL DRIVE
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$530,000
347 COCKLE SHELL LOOP · same community
4 bd · 3 ba · 2,563 sqft · $207/sqft · 142 DOM
Sold · Nov ’25$349,000
228 STAR SHELL DRIVE · same community
3 bd · 2.5 ba · 2,630 sqft · $133/sqft · 446 DOM
Sold · Jul ’26$670,000
302 COCKLE SHELL LOOP · same community
4 bd · 3 ba · 2,924 sqft · $229/sqft · 79 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 316 STAR SHELL DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 316 STAR SHELL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
316 STAR SHELL DRIVE FAQs
What would the monthly payment be for 316 STAR SHELL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,106/mo — principal and interest, the actual property-tax bill, the $10/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 316 STAR SHELL DRIVE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 316 STAR SHELL DRIVE?+
The most recent tax bill on record (2025) was $9,300. 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 316 STAR SHELL DRIVE?+
The listing reports pets: 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 $499,500, this home is listed about 2% 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 316 STAR SHELL DRIVE?+
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
$499,500 runs 14% above the APOLLO BEACH 33572 median — but at 2,450 sqft it's also 16% 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.
03The price has already moved
Listed at $514,240, now $499,500 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX ALLIANCE GROUP · Jo-Lee Mansfield. MLS #A4698389.
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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