1004 SPINDLE PALM WAY, APOLLO BEACH, FL, 33572
Active43 days on marketListed Jun 21, 2026MLS #A4695923
About this home
1004 SPINDLE PALM WAY
A TRUE Waterfront Style of Living! Welcome to 1004 Spindle Palm Way, a beautifully updated canal-front home in the heart of Apollo Beach offering direct boating access and the Florida lifestyle buyers dream about. Step outside to your private backyard retreat featuring a sparkling pool with an approximate depth of 7 feet, an expansive paver deck, updated pool coping and tile, and plenty of space for entertaining. Boating enthusiasts will love the custom-built dock with premium WearDeck synthetic decking and a 12,000-pound remote-controlled boat lift, making it easy to enjoy Tampa Bay whenever the mood strikes. Inside, the home has been thoughtfully upgraded with a remodeled kitchen featuring custom birch cabinetry, quartz countertops, soft-close drawers, and stainless-steel appliances. Additional improvements include a newer roof (2024), Rheem HVAC system, whole-house water filtration system, updated laundry appliances, and extensive pool and outdoor enhancements. Garage floor is epoxy sealed. With many documented improvements, this move-in-ready waterfront property offers both peace of mind and exceptional value. Whether you’re enjoying sunset views from the dock, relaxing poolside, or heading out for a day on the water, every day feels like a vacation. Four-Point Inspection completed in April! Conveniently located near shopping, dining, marinas, parks, and major commuter routes, this is a rare opportunity to own a beautifully maintained waterfront home in one of Apollo Beach’s most desirable boating communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,458
Sqft
0.21 ac
Lot size
2
Garage
1976
Year built
One
Levels
$429
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.
$4,321 /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
$4,321/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
+7.5%
$/sqft vs Apollo Beach actives
$429 vs $227
Days on market
43 vs 50 typical
Where $429/sqft sits among the 383 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
$460K → $466K
Apollo Beach median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
220 of 383
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 42% 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 1004 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 · Apr ’26$265,000
5831 SUNSET FALLS DRIVE
2 bd · 2 ba · 1,461 sqft · $181/sqft · 194 DOM
Sold · Sep ’25$285,000
438 SENECA FALLS DRIVE
2 bd · 2 ba · 1,461 sqft · $195/sqft · 176 DOM
Sold · Aug ’25$190,000
163 SHELL FALLS DRIVE
2 bd · 2 ba · 1,408 sqft · $135/sqft · 53 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
Janet Bowlin
Realtor® · CENTURY 21 Edge
Tours, negotiation, and every question about 1004 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 1004 SPINDLE PALM WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Janet's phone and CRM.
Straight answers
1004 SPINDLE PALM WAY FAQs
What would the monthly payment be for 1004 SPINDLE PALM WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,321/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 1004 SPINDLE PALM WAY?+
The most recent tax bill on record (2025) was $6,657. 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 1004 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 $624,900, this home is listed about 28% above the Apollo Beach median of $489,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1004 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.
Keep looking
Similar homes nearby
Listing courtesy of KW COASTAL LIVING III · Phil Ashford. MLS #A4695923.
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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