Ricardo Ramirez
$599,990$623,5004 bd4.5 ba3,108 sqft$193 /sqft$4,963 /mo all-in ↓

6331 SUNSET BAY CIRCLE, APOLLO BEACH, FL, 33572

Active203 days on marketListed Jan 10, 2026MLS #TB8456604

Reduced $24KTownhouseSUNSET BAY TWNHMS

About this home

6331 SUNSET BAY CIRCLE

Welcome to Sunset Bay for a Florida water access home that is unlike any other! The owners have thoughtfully improved all aspects of this home. Starting with the reimagined Chef’s kitchen layout, every dream item has been covered. The gorgeous kitchen includes 42 inch custom cabinets that are also 15 inches deep for easier storage. Beautiful two-toned cabinetry with a modern and moody island color holds the undermount farmhouse stainless sink and in cabinet microwave. A large walk in pantry has been added with small appliance hookups, pull-out shelving, and a stylish barn door. Other items include stainless steel appliances, granite countertops, a triple threat disposal, a pot filler at the range, charcoal range vents, and under & above cabinet lighting for the perfect ambiance. There is even a coffee or wine bar for your favorite beverages. The main 2nd floor comes with beautiful tile flooring, a well-appointed dining room, and an open living floorplan. Don’t forget to stop and enjoy the amazing views from the balcony on every floor. The second floor also includes an updated half bath, a spacious bedroom with en-suite bath that hosts a beautiful granite inlay in the walk- in shower and like all of the bedrooms throughout, has its own walk-in with custom closet shelving. On the third floor you will find the second spacious bedroom with en-suite bath adorned with crown molding and wood floors. Here you will also find the large primary bedroom with amazing views, a balcony, and a walk-in custom closet. In the en-suite bath you will enjoy his and hers sinks, gorgeous granite countertops, added storage cabinets, a private water closet, lovely penny tile floors, and a beautiful light and bright tiled walk in shower for a relaxing retreat nestled behind a sliding barn door. Laundry is located right outside the primary bedroom door and includes a sink along with the included washer & dryer. On the 4th floor you will discover unlimited potential in the oversized 4th floor with full bathroom, walk in closet, and a perfect window nook to continue to take in the views. This space would be a perfect place to easily add a kitchenette for an in-law suite for multigenerational living. Ride down the elevator back to the 1st for a tandem 3 car garage with plenty of room for a workshop and ample storage, hanging storage rack, utility sink, refrigerator with filtered ice, and a patio perfect for an outdoor kitchen. Both balconies, the patio, and powered roll down garage screen are micro screened to keep out the no see’ums. Whole home water filtration system and a fully updated electrical system along with outlets in all closets and all new lighting throughout. Outside enjoy a community pool, a fun spot for BBQ’s, the dock, boardwalk, launch your kayaks or paddleboards, and fishing pier. With only 37 upscale units in this community you have convenience of enjoying the amenities without the crowd. HOA fee includes Flood Insurance! Not to mention one of the best parts - no-bridge deepwater ccess with the open gulf just around the bend for a very short boat ride to your fun filled day on the water or take a stroll to enjoy the sun and sand at the Apollo Beach Preserve. Imagine all of this plus Walk-ability to fine dining at Circle’s Waterfront Restaurant, a fun meal at Finn’s Dockside Bar & Grill and American Honey Creamery & Coffee Co., Apollo Pizza plus the Marina. Your ticket to the Florida water lifestyle is only a private tour away.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

3,108

Sqft

0.03 ac

Lot size

3

Garage

2006

Year built

Three Or More

Levels

$193

Per sqft

Pets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Range Hood · Refrigerator · Washer · Water Filtration System · Whole House R.O. System · Wine Refrigerator
InteriorCeiling Fan(s) · Elevator · High Ceilings · Solid Surface Counters · Walk-In Closet(s) · Window Treatments
LaundryLaundry Closet
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionBlock · Stucco
FoundationSlab
FacesSoutheast
ParkingDriveway
ExteriorBalcony · Rain Gutters

Community & fees

HOA fee$940/mo
Taxes (2024)$4,807/yr
PetsYes
CommunityCanal Front · Dock · Fishing · Water Access · Waterfront · Deed Restrictions · Gated Community - No Guard · Pool

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected
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.

$4,963 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,238
PMI (est., until 20% equity)$225
Property tax — 2024 actual bill$401
HOA fee — from the listing$940
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $59,999Loan30-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% · $59,999
Interest rate6.00%
Loan term

Estimated payment

$4,963/mo

Principal & interest$3,238
PMI (est., until 20% equity)$225
Property taxes (actual bill)$401
HOA / condo fee$940
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.

$/sqft vs Apollo Beach actives

$193 vs $227

Days on market

203 vs 56 typical

Where $193/sqft sits among the 387 Apollo Beach actives

138 · this home
126
32
29
24
38
$151–208$208–265$265–322$322–378$378–435$435+

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 6331 SUNSET BAY CIRCLE

Drive times from this address

Downtown Tampa30 min
Tampa Int’l Airport (TPA)43 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)

226 of 387

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 37% above the APOLLO BEACH 33572 median. See the full Apollo Beach market guide →

Paper trail

This home's history

CurrentPrice reduced to $599,990 $24K
Jan 10, 2026Listed at $623,500 · 203 days on market since
2006Built · SUNSET BAY TWNHMS

Reality check

What actually sold near 6331 SUNSET BAY CIRCLE

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

6428 SUNSET BAY CIRCLESold · Apr ’26

$474,000

6428 SUNSET BAY CIRCLE · same community

3 bd · 2.5 ba · 2,488 sqft · $191/sqft · 229 DOM

6414 SUNSET BAY CIRCLESold · Jun ’26

$450,000

6414 SUNSET BAY CIRCLE · same community

3 bd · 3.5 ba · 2,488 sqft · $181/sqft · 67 DOM

6315 SUNSET BAY CIRCLESold · May ’26

$370,000

6315 SUNSET BAY CIRCLE · same community

3 bd · 2.5 ba · 2,350 sqft · $157/sqft · 182 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.

Ricardo Ramirez

Your agent

Ricardo Ramirez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 6331 SUNSET BAY CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6331 SUNSET BAY CIRCLE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Ricardo's phone and CRM.

Goes straight to Ricardo’s phone and CRM.

Straight answers

6331 SUNSET BAY CIRCLE FAQs

What would the monthly payment be for 6331 SUNSET BAY CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,963/mo — principal and interest, the actual property-tax bill, the $940/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 6331 SUNSET BAY CIRCLE?+

The association fee works out to $940 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 6331 SUNSET BAY CIRCLE?+

The most recent tax bill on record (2024) was $4,807. 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 6331 SUNSET BAY CIRCLE?+

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 $599,990, this home is listed about 22% 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 6331 SUNSET BAY CIRCLE?+

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

$599,990 runs 37% above the APOLLO BEACH 33572 median — but at 3,108 sqft it's also 47% larger than the typical Apollo Beach listing.

02Know the monthly fee

The association fee is $940/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.

03Time on market is leverage

203 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 $623,500, now $599,990 — a $24K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS SUBURBAN TAMPA · April Heinrich. MLS #TB8456604.

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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