Alek Cherrone
$499,500$514,2404 bd3 ba2,450 sqft$204 /sqft$4,106 /mo all-in ↓

316 STAR SHELL DRIVE, APOLLO BEACH, FL, 33572

Active22 days on marketListed Jul 7, 2026MLS #A4698389

Reduced $15KWaterfrontSingle Family ResidenceHARBOUR ISLES PH 2A/2B/2C

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

WaterfrontTrees/Woods & Water viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Luxury Vinyl
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Crown Molding · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionStone · Stucco
FoundationSlab
ViewTrees/Woods · Water
FacesNorthwest
ParkingGarage Door Opener
ExteriorIrrigation System · Lighting · Rain Gutters · Sliding Doors

Community & fees

HOA fee$10/mo
Taxes (2025)$9,300/yr
PetsCats OK, Dogs OK, Yes
CommunityClubhouse · Deed Restrictions · Pool

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Connected · Fiber Optics · Public · Street Lights · Underground Utilities
WaterPublic

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%

Principal & interest$2,941
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$775
HOA fee — from the listing$10
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,483Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,483
Interest rate6.00%
Loan term

Estimated payment

$4,106/mo

Principal & interest$2,941
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$775
HOA / condo fee$10
Est. insurance$160

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.

List $500K
$461KedgeAI estimate $506,663 · range $480K$565K$588K

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

146 · this home
121
32
32
26
36
$151–209$209–266$266–324$324–381$381–439$439+

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

Map of 316 STAR SHELL DRIVE

Drive times from this address

Downtown Tampa31 min
Tampa Int’l Airport (TPA)44 min

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

ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Apollo Beach market

Seller’s marketLeans buyer7.3 months of inventoryBuyer’s 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

CurrentPrice reduced to $499,500 $15K
Jul 7, 2026Listed at $514,240 · 22 days on market since
2012Built · HARBOUR ISLES PH 2A/2B/2C

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.

347 COCKLE SHELL LOOPSold · Nov ’25

$530,000

347 COCKLE SHELL LOOP · same community

4 bd · 3 ba · 2,563 sqft · $207/sqft · 142 DOM

228 STAR SHELL DRIVESold · Nov ’25

$349,000

228 STAR SHELL DRIVE · same community

3 bd · 2.5 ba · 2,630 sqft · $133/sqft · 446 DOM

302 COCKLE SHELL LOOPSold · 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.

Alek Cherrone

Your agent

Alek Cherrone

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 316 STAR SHELL DRIVE — start here.

Andrew Acosta

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.

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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