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No Flooding History | No HOA or CDD Fees | Transferrable Flood Insurance Policy! Welcome to unparalleled waterfront living in this beautifully maintained 4-bedroom, 2-bath home located on a wide, deep-water canal in desirable Apollo Beach—with direct access to Tampa Bay! As you enter this unique tabby-exterior residence, you’re immediately drawn through the formal living and dining rooms to the stunning water view framed by sliding glass doors. The spacious kitchen seamlessly opens into the bright and airy family room, featuring soaring cathedral ceilings, abundant natural light, and a cozy wood-burning fireplace. A custom-built library, accessed through French doors, adds charm and functionality to the open layout. Enjoy your morning coffee from the breakfast nook or breakfast bar, both of which lead out to a screened-in patio and pool area showcasing breathtaking wide-canal views, lush mangroves, and spectacular sunrises. The generous primary suite is a private retreat. Enter through elegant French doors to the en suite bathroom with double vanities, a freestanding soaking tub, a custom shower with dual rain showerheads, and a spacious walk-in closet. The updated guest bath, renovated in 2023, includes a walk-in shower with wave-effect glass tile and sea glass pebble flooring for a coastal touch. Peace of mind comes with recent upgrades including: New roof (2023). Complete home re-plumb with PEX (2024), New water heater, water softener, and electrical panel (2024), Pool resurfaced with Pebble Tec, new coping, and glass tile trim (July 2024), Two regularly serviced AC units. Located in the sought-after community of Cobia Cay—with no HOA or CDD—you can enjoy waterfront living without the fees. Ride your golf cart to the Apollo Beach Nature Preserve for serene sunsets, or visit local favorites like Circles, Finn’s, and Salty’s. Just a short drive to Tampa, St. Pete, and Sarasota, this home is ideally situated for both relaxation and convenience. Bonus: This property has never flooded—even during major hurricanes like Helene and Milton—and includes a transferrable flood insurance policy for added security. Don’t miss your chance to own a true coastal gem—schedule your private showing today!
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Our Executive Mortgage Banker:
Our Insurance Division:
$934,900
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
---|---|---|---|
Loan Amount | $747,920 | $747,920 | $747,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 6.625% | 6.500% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.861% | 6.751% | 6.666% |
Monthly Tax Payment | $465 | $465 | $465 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $4,544 | $4,789 | $6,515 |
Total Monthly Payment | $5,101 | $5,346 | $7,072 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.