6412 KEY ISLAND AVENUE, Apollo Beach, Hillsborough, Residential

Welcome to Bimini Bay, a gated waterfront community in Apollo Beach, Florida 33572, in southern Hillsborough County. This two-story home has four bedrooms plus a bonus room and sits on a saltwater canal with bridge-free access to Tampa Bay. It has a private 12,000 lb boat lift, a metal roof, a remodeled kitchen and a renovated primary bathroom. It also comes with an assumable Chase mortgage at 3.625%. The community has low monthly HOA fees and no CDD fees.

The kitchen was fully remodeled. It has extended granite countertops, an oversized island with seating and prep space, contemporary cabinetry, a large walk-in pantry and updated appliances. The kitchen opens to a bright living room and a breakfast nook, so the main living area is connected and easy to move through. The first floor also has a formal dining room and a separate family room, which gives you room for both everyday living and entertaining.

Upstairs, the primary suite has a large walk-in closet and connects to a bonus room that can work as a home office, sitting room, reading area or flex space. The renovated primary bathroom has a garden tub, a walk-in shower and a double vanity. The three other bedrooms are generously sized and give each occupant privacy. The upstairs laundry room is near the bedrooms and has extra storage.

The extended lanai looks out over the saltwater canal and has room for outdoor dining and seating. A brick paver walkway runs from the lanai to the private boat lift, which has a 12,000 lb capacity. From the canal, boats can reach Tampa Bay without passing under any bridges. The home has been freshly painted inside and out. The two-car garage has room for vehicles, kayaks, paddleboards and fishing gear. The metal roof is built for durability and a long service life.

Apollo Beach sits on the eastern shore of Tampa Bay. Nearby dining includes waterfront restaurants such as Circles Waterfront Restaurant and Apollo's Bistro, along with casual local cafes. Recreation options include the TECO Manatee Viewing Center, local nature preserves, Apollo Beach's public beach, area golf courses and marinas. The Gulf beaches of Pinellas County and Busch Gardens Tampa Bay are within day-trip distance, and there is shopping and everyday services close by.

For travel, I-75, US-41, US-301, the Selmon Expressway and I-4 connect Apollo Beach to Downtown Tampa, MacDill Air Force Base and St. Petersburg. Tampa International Airport (TPA) is a short drive away, which makes business trips and visits from out-of-town guests easy.

The Chase mortgage can be assumed at 3.625% with a balance of about $334,000, subject to lender approval. The existing flood insurance policy is also assumable, and details are available on request. Depending on current market rates, assuming a 3.625% loan may lower the buyer's monthly payment compared with new financing. Buyers should confirm the terms with the lender.

This waterfront home combines boating access, updated interiors and a location close to the Tampa Bay region. Schedule a private showing today.