916 SPINDLE PALM WAY, APOLLO BEACH, FL, 33572
Active166 days on marketListed Feb 9, 2026MLS #TB8474317
About this home
916 SPINDLE PALM WAY
Built in 2015 by Schmidt Homes, this elevated waterfront residence delivers the perfect balance of lifestyle, quality, and confidence. Offering 3 bedrooms, 2 baths, and 1,863 square feet of thoughtfully designed living space, the home features impact-rated windows and doors, a spacious three-car garage, and the rare advantage of no HOA and no CDD. The exterior was freshly repainted in 2025, with windows professionally recaulked, reinforcing both curb appeal and long-term peace of mind. Inside, a bright and welcoming entry opens to an open-concept kitchen with a large island overlooking the living area - ideal for everyday living and effortless entertaining. Two guest bedrooms are positioned at the front of the home for privacy, while the generously sized primary suite offers dual walk-in closets and a private bath with dual vanities and a walk-in shower, creating a comfortable and functional retreat. Step outside and fully embrace the Florida waterfront lifestyle. A 26-foot-wide screened lanai overlooks the pavered patio, private dock, and 14,000-lb boat lift, offering direct, bridge-free access to Tampa Bay - perfect for boaters and water enthusiasts. The dock and lift have been recently upgraded with new pole wrappings and lift padding. Mature landscaping enhances backyard privacy and curb appeal, with additional flower beds and curbing added in 2024. Notably, the home remained high and dry during the 2024 hurricanes with no damage or water intrusion. The property may be offered turn-key, with the option to include furnishings, kitchenware, and household essentials - allowing for a seamless transition into waterfront living from day one. Located in Apollo Beach, this home places you in a relaxed coastal community known for navigable canals, stunning sunsets, and an active outdoor lifestyle. Residents enjoy boating, fishing, paddleboarding, and scenic walks at the Apollo Beach Nature Preserve and waterfront park. Everyday conveniences are close by, with shopping, dining, and services nearby, plus additional retail and entertainment options in Riverview and Brandon. Waterfront dining is a local favorite, with several restaurants accessible by boat for a truly coastal experience. Healthcare options include nearby South Bay Hospital, Brandon Regional Hospital, and a wide range of medical providers throughout the South Shore area. With quick access to I-75, commuting to Tampa, Sarasota, and Orlando is easy, and Tampa International Airport is within comfortable driving distance. This home offers a rare opportunity to enjoy secure, low-maintenance waterfront living while staying connected to everything the Tampa Bay area has to offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,863
Sqft
0.21 ac
Lot size
3
Garage
2015
Year built
One
Levels
$397
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 — not generic estimates.
$4,928 /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
$4,928/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
+39%
$/sqft vs Apollo Beach actives
$397 vs $227
Days on market
166 vs 56 typical
Where $397/sqft sits among the 395 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)
224 of 395
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 64% 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 916 SPINDLE PALM WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$649,000
1004 SAGO PALM WAY · same community
4 bd · 2 ba · 1,677 sqft · $387/sqft · 8 DOM
Sold · Oct ’25$650,000
1006 SAGO PALM WAY · same community
3 bd · 3 ba · 2,094 sqft · $310/sqft · 55 DOM
Sold · Jul ’25$650,000
916 SAGO PALM WAY · same community
4 bd · 2 ba · 2,118 sqft · $307/sqft · 63 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 916 SPINDLE PALM WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 916 SPINDLE PALM WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
916 SPINDLE PALM WAY FAQs
What would the monthly payment be for 916 SPINDLE PALM WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,928/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 916 SPINDLE PALM WAY?+
The most recent tax bill on record (2024) was $5,974. 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 916 SPINDLE PALM WAY?+
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 $739,990, this home is listed about 51% 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 916 SPINDLE PALM WAY?+
Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$739,990 runs 64% above the APOLLO BEACH 33572 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
166 days on market against a Apollo Beach median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $785,000, now $739,990 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 BEGGINS ENTERPRISES · Kalani Hayman. MLS #TB8474317.
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 916 SPINDLE PALM WAY 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 Steeve to ping you on any price or status change →