John Carpenter
$1,050,0004 bd2.5 ba2,188 sqft$480 /sqft$6,814 /mo all-in ↓

728 SPANISH MAIN DRIVE, APOLLO BEACH, FL, 33572

Active10 days on marketListed Jul 23, 2026MLS #TB8531002

WaterfrontPrivate poolSingle Family ResidenceAPOLLO BEACH UNIT TWO

About this home

728 SPANISH MAIN DRIVE

**Welcome to 728 Spanish Main Drive, where every evening ends with a spectacular waterfront sunset and every day feels like a vacation.** Perfectly positioned on one of Apollo Beach's most breathtaking waterfront homesites, this beautifully renovated 4-bedroom, 2.5-bath residence offers approximately 2,188 square feet of exceptional living space and an unparalleled Florida lifestyle. From the moment you enter, your attention is immediately drawn through the home to the expansive water views beyond. The rear of the property overlooks one of Apollo Beach's widest canals, creating a stunning panorama that feels more like open water than a traditional canal. The ever-changing views, abundant wildlife, passing boats, and unforgettable sunsets create a setting that is simply impossible to duplicate. Designed for entertaining on a grand scale, the backyard is truly the centerpiece of this home. An expansive covered patio of approximately 400 square feet overlooks the sparkling pool with its elegant water feature, creating an incredible outdoor living space for family gatherings, holiday celebrations, or quiet evenings watching the sun disappear over the water. Whether hosting dozens of guests or enjoying your morning coffee, this is waterfront living at its finest. Apollo Beach has become one of Tampa Bay's most sought-after waterfront communities, offering direct access to Tampa Bay while maintaining the relaxed atmosphere of a coastal neighborhood. Conveniently located approximately 25 minutes from Downtown Tampa, 35 minutes from Tampa International Airport, about 40 minutes to downtown St. Petersburg, and less than an hour to Sarasota, you'll enjoy the perfect balance of waterfront serenity and city convenience. As Apollo Beach continues to grow, opportunities to own premium canal-front property become increasingly limited, making homes like this exceptionally rare. Beyond its remarkable beauty, this home has been completely renovated with quality, craftsmanship, and long-term peace of mind in mind. The renovation was **fully permitted**, ensuring the work was completed to current building standards. Major improvements include a new roof, new air conditioning system, **impact-rated hurricane windows and doors throughout**, all new electrical wiring, all new interior plumbing, **a completely new sewer system extending from beneath the home all the way to the municipal connection at the street**, new drywall throughout the walls and ceilings, new flooring, cabinetry, fixtures, and finishes. The property also features a **brand-new seawall**, and the seller is including a **$50,000 allowance toward the construction of a custom dock and boat lift**, allowing the next owner to design the perfect waterfront setup for their boating lifestyle. Best of all, this exceptional home is located in a community with **no HOA and no CDD fees**, providing added freedom and long-term savings. 728 Spanish Main is far more than a beautifully renovated waterfront home—it's a place where unforgettable sunsets, exceptional craftsmanship, and the very best of the Florida waterfront lifestyle come together.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,188

Sqft

0.29 ac

Lot size

2

Garage

1972

Year built

One

Levels

$480

Per sqft

Private poolWaterfrontPool & Water view

Inside

FlooringEngineered Hardwood
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range Hood
InteriorStone Counters · Thermostat · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewPool · Water
FacesNorth
ExteriorIrrigation System · Sliding Doors

Community & fees

Taxes (2025)$7,133/yr

Utilities & systems

UtilitiesCable Available · Electricity Available · Public · Sprinkler Well
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,814 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,666
PMI (est., until 20% equity)$394
Property tax — 2025 actual bill$594
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $105,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $105,000
Interest rate6.00%
Loan term

Estimated payment

$6,814/mo

Principal & interest$5,666
PMI (est., until 20% equity)$394
Property taxes (actual bill)$594
Est. insurance$160

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.

List $1.1M
$534KedgeAI estimate $596,860 · range $557K$697K$1.1M

vs edgeAI estimate

+75.9%

$/sqft vs APOLLO BEACH UNIT TWO

$480 vs $245

Days on market

10 vs 56 typical

Where $480/sqft sits among the 6 homes for sale in APOLLO BEACH UNIT TWO

4
0
0
2
0
0 · this home
$227–269$269–311$311–353$353–395$395–438$438+

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 728 SPANISH MAIN DRIVE

Drive times from this address

Downtown Tampa27 min
Tampa Int’l Airport (TPA)40 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)

4 of 6

APOLLO BEACH UNIT TWO have cut their price

Median sold price, Apollo Beach, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 137% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

Jul 23, 2026Listed at $1,050,000 · 10 days on market since
1972Built · APOLLO BEACH UNIT TWO

Reality check

What actually sold near 728 SPANISH MAIN DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6349 SPANISH MAIN DRIVESold · Mar ’26

$755,000

6349 SPANISH MAIN DRIVE · same community

3 bd · 2 ba · 2,211 sqft · $341/sqft · 14 DOM

6312 FLAMINGO DRIVESold · Nov ’25

$725,000

6312 FLAMINGO DRIVE · same community

5 bd · 3 ba · 1,980 sqft · $366/sqft · 31 DOM

773 KINGSTON COURTSold · Jun ’26

$790,000

773 KINGSTON COURT · same community

3 bd · 2 ba · 1,929 sqft · $410/sqft · 4 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 728 SPANISH MAIN 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 728 SPANISH MAIN DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

728 SPANISH MAIN DRIVE FAQs

What would the monthly payment be for 728 SPANISH MAIN DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,814/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 728 SPANISH MAIN DRIVE?+

The most recent tax bill on record (2025) was $7,133. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Apollo Beach?+

At $1,050,000, this home is listed about 114% 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 728 SPANISH MAIN DRIVE?+

Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of LPT REALTY, LLC · Michael Simpkins. MLS #TB8531002.

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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