Apollo Beach / Ruskin Homes under $400,000

Apollo Beach / Ruskin Homes under $400,000

Welcome to Apollo Beach and Ruskin, two charming communities nestled along Florida's picturesque Gulf Coast in Hillsborough County. Known for their stunning waterfront views and laid-back lifestyle, these areas are perfect for those seeking a serene escape without sacrificing convenience.

Apollo Beach boasts a vibrant blend of natural beauty and modern amenities, making it an ideal location for families, retirees, and anyone in between. With its scenic canals and access to Tampa Bay, residents enjoy a variety of outdoor activities, from boating and fishing to leisurely strolls along the shoreline. The nearby Apollo Beach Nature Preserve offers a tranquil retreat, where you can explore lush landscapes and spot local wildlife.

Just a short drive away lies Ruskin, a quaint town rich in history and community spirit. Known for its welcoming atmosphere, Ruskin features charming local shops, delightful eateries, and a strong sense of neighborhood pride. The area is perfect for those who appreciate a slower pace of life while still being close to the vibrant culture of nearby Tampa.

For homebuyers seeking affordability without compromising on quality, both Apollo Beach and Ruskin offer a selection of homes under $400,000. These properties present fantastic opportunities for first-time buyers, families, or investors looking to capitalize on the area's growing popularity. With a range of styles and sizes, you’ll find everything from cozy single-family homes to modern townhouses, all within reach of the stunning natural surroundings.

Discover the beauty and charm of Apollo Beach and Ruskin—where coastal living meets community warmth, and your dream home awaits!

Newest Apollo Beach / Ruskin Homes under $400,000

6940 Exeter Park Place, Apollo Beach
$289,000
3 Beds ⋅ 2 Baths ⋅ Covington Park SubDv. ⋅ 33572 Zip Code
MOVE IN READY!! This home features laminate and tile flooring throughout, high ceilings, updated kitchen and baths, including brand new QUARTZ COUNTER TOPS, stainless steel appliances with a gas range. Newer AC and Roof. This lovely home is located on a cul-de-sac in COVINGTON PARK which is known for its great location and is loved for its many amenities, Clubhouse, Playground, Pools, Fitness Center, Tennis Courts, and more. Low HOA fees!! Near I 75, Rt 41, 301, schools, shopping and hospitals.

6940 Exeter Park Place, Apollo Beach
6205 Fairway Boulevard, Apollo Beach
$325,000
3 Beds ⋅ 2 Baths ⋅ Apollo Beach Unit One Pt One SubDv. ⋅ 33572 Zip Code
NO HOA • NO CDD • POOL & SPA • BRING THE RV, BOAT & TOYS! Enjoy the freedom of Florida living in this UPDATED 3-bedroom, 2-bathroom Apollo Beach HEATED POOL AND SPA HOME with the space and flexibility to truly make it your own. Step outside to your fully fenced lot, where the extra-long driveway offers plenty of space for your truck, RV, boat, and other water toys. Cool off in the pool and heat up in the spa! Unwind in the spacious screened-in lanai, or enjoy your green thumb with multiple raised garden beds. Three outdoor storage sheds provide plenty of room for tools, equipment, and hobbies. Recently updated home includes NEW KITCHEN with cabinetry, appliances, and sink, NEW FLOORING + BASEBOARDS, NEW INTERIOR PAINT throughout (ALL DONE IN 2025). Other improvements include NEW POOL PUMP (May 2026), AC system (2018), a whole-home water filtration system, and hurricane-impact windows throughout—no shutters needed! The extra-long one-car garage includes a dedicated workshop and may also accommodate a golf cart, offering versatility for projects, storage, and more. For added peace of mind, the home also features an exterior generator hookup with a transfer switch already installed. Located 3 blocks from the Apollo Beach community recreation center that offers pickleball, skatepark, splash pad, track, dog park, basketball courts, and more! With thoughtful updates, fantastic outdoor amenities, ample parking, and the freedom of NO HOA and NO CDD, this Apollo Beach home offers a wonderful opportunity to enjoy the Florida lifestyle your way. SCHEDULE YOUR PRIVATE SHOWING TODAY!

6205 Fairway Boulevard, Apollo Beach
7619 Wiltshire Park Place, Apollo Beach
$305,000
3 Beds ⋅ 2 Baths ⋅ Covington Park Ph 2a Unit 1 SubDv. ⋅ 33572 Zip Code
Move-in ready, single-story 3-bedroom, 2-bath home in Covington Park, Apollo Beach, with an open floor plan, a spacious fenced backyard, and sought-after community amenities. Tall ceilings and an open connection between the kitchen, dining area, and family room create an easy flow for everyday living and entertaining. Luxury vinyl plank flooring runs throughout, with tile in the kitchen and both bathrooms. The primary suite offers a private bath and a true walk-in closet. Two additional bedrooms provide flexible space for guests, a home office, or hobbies. Sliding doors open to a screened porch and extended paver patio overlooking the fully vinyl-fenced backyard—room to relax, play, garden, or host friends. An attached two-car garage adds everyday convenience. Recent updates include a 2019 roof, 2020 A/C, 2023 water heater, 2025 fence, and bathroom updates completed by licensed contractors. The home is in Flood Zone X; buyers should confirm any insurance requirements with their lender and insurance provider. Covington Park features two playgrounds, parks, tennis courts, and sidewalk-lined streets, and more. Doby Elementary is within the community, with the home zoned for Eisenhower Middle and East Bay High, subject to verification. Convenient to Big Bend Road and I-75, this Apollo Beach home offers access to Tampa Bay area shopping, dining, and commuting routes.

7619 Wiltshire Park Place, Apollo Beach
102 E Saint Lucia Loop, Apollo Beach
$385,000
3 Beds ⋅ 2 Baths ⋅ Caribbean Isles Residential Cooperative SubDv. ⋅ 33572 Zip Code
SPACE, STORAGE AND STYLE — this 2021 Jacobsen home has all three! Beautifully positioned on a large corner lot in the gated 55+ Caribbean Isles Residential Cooperative, this impressive home offers 1,860 square feet under air and approximately 2,940 total square feet, with a thoughtfully designed split floor plan that provides both openness and privacy. Inside, you’ll find three bedrooms PLUS a dedicated office, spacious living areas, neutral décor, and crown molding throughout the main living spaces. The open kitchen is designed for homeowners who actually enjoy using their kitchen, with stainless steel appliances, solid-surface countertops, generous cabinetry, a pantry with pull-out shelving, and plenty of room to keep everything organized. A separate dining area sits conveniently adjacent to the kitchen, creating an easy flow for everyday meals as well as entertaining. The split-bedroom design gives the primary suite its own private retreat, complete with TWO walk-in closets, a jetted soaking tub, and a separate walk-in shower. Bedrooms two and three are located away from the primary suite — and each has its own walk-in closet. Storage is exceptional throughout this home, with thoughtfully placed closets and spaces that make downsizing a whole lot easier when you don't actually have to give everything up! Florida living deserves great outdoor space, and this home delivers. A large screened lanai with Trex decking provides plenty of room for dining, entertaining, or relaxing in the Florida breeze, with additional outdoor space when you want to enjoy the sunshine. Then there is the storage area — and this is much more than an ordinary shed. Insulated and air conditioned, it features steel shelving, double doors, an indoor golf-cart charging station, and space that can accommodate up to two golf carts. Use it for climate-controlled storage, a workshop, hobbies, or golf-cart parking. The home's expanded parking pad provides room for up to four vehicles, while the covered carport gives you additional flexibility for a vehicle or golf carts. Quality and practicality continue with well-insulated exterior siding, solid subfloors, and a layout that feels welcoming from the moment you enter. At just a few years old, this home offers the space and features many buyers want without giving up the relaxed atmosphere of a Florida 55+ community. And here's where Caribbean Isles makes the package even better. This is a resident-owned cooperative with NO LOT RENT. Ownership includes a share in the cooperative, with a monthly maintenance fee of just $242, which contributes to community amenities, activities, professional management, and replacement reserves. Caribbean Isles is a waterfront community with a network of canals and community water access available to shareholders for boating and kayaking. Launch from the community and enjoy access toward Tampa Bay and the Gulf, or simply spend the day closer to home enjoying the heated pool, clubhouse, recreational amenities, social activities, and miles of private roads perfect for walking, biking, and golf-cart cruising.Located in Apollo Beach on Florida's Gulf Coast, Caribbean Isles is convenient to shopping, restaurants, medical services, entertainment, beaches, and major highways within easy reach.If you've been looking for a newer Florida home but aren't ready to give up on space, storage, parking, privacy, or lifestyle, this home deserves to be at the top of your list.

102 E Saint Lucia Loop, Apollo Beach
6817 Surrey Oak Drive, Apollo Beach
$299,000
3 Beds ⋅ 2 Baths ⋅ Covington Park Ph 5a SubDv. ⋅ 33572 Zip Code
Meticulously maintained 3-bedroom, 2-bath villa with tranquil pond views and an impressive list of upgrades! From the moment you arrive, you’ll appreciate the beautiful landscaping, fresh mulch and well-kept exterior. Inside, this move-in-ready home features fresh interior paint, plantation shutters, hurricane impact windows throughout, rain gutters, water softener, tankless hot water heater, ceiling fans, garage utility sink, and no carpet—only tile and laminate flooring. The open-concept kitchen and living area is ideal for everyday living and entertaining. The kitchen features quartz countertops, under-cabinet lighting, a gas range, newer appliances and a comfortable eat-in dining area overlooking the main living space. The spacious primary suite offers a large bedroom and private bath with quartz countertops and a generous walk-in shower with glass enclosure. Two additional bedrooms provide flexibility for guests, an office or additional living space. Step outside to the screened patio with epoxy flooring and enjoy peaceful pond views—perfect for morning coffee or relaxing at the end of the day. The home offers a 2-car garage and driveway parking. Conveniently located close to the new Publix shopping center and just minutes from major highways, hospitals, restaurants and additional shopping. Residents also enjoy a community pool plus access to Covington Park amenities including another pool, playground, basketball courts and clubhouse. Beautifully maintained, upgraded and ideally located—this villa is truly move-in ready!

6817 Surrey Oak Drive, Apollo Beach
6026 Golden Nettle Drive, Apollo Beach
$385,000
3 Beds ⋅ 2 Baths ⋅ Waterset Wolf Crk Ph A & D1 SubDv. ⋅ 33572 Zip Code
Short Sale. This home captures the effortless Florida lifestyle in the highly sought-after community of Waterset! From the moment you step inside, Weekley Homes' smart design is evident from the tall ceilings to the seamless flow from foyer to lanai. The heart of this home is a chef-inspired kitchen that’s as functional as it is beautiful, featuring sleek quartz countertops and a massive central island that’s just begging for entertaining or long casual conversations as well as spacious dining area for more formal occasions. The thoughtful split floor plan ensures privacy for the primary suite while keeping the main living areas open and connected. It’s the kind of layout that works for every stage of life, whether you need bedrooms, home office or home yoga studio! The primary suite offers views of your private back yard and features a spa-like en-suite bath with double vanity, walk-in shower and huge walk-in closet! Just outside of the suite, you have you have easy access to your screened lanai overlooking a fully fenced yard with lush tropical landscaping. For added peace of mind, the home comes with custom fit hurricane panels! Living in Waterset means you’re not just buying a house; you’re joining a vibrant community known for its incredible amenities, including pools, fitness centers, a sports center right down the street and miles of scenic trails. This is the move-in ready home you can't miss!

6026 Golden Nettle Drive, Apollo Beach
122 W Saint Annes Circle, Apollo Beach
$285,000
2 Beds ⋅ 2 Baths ⋅ Caribbean Isles Residential Co SubDv. ⋅ 33572 Zip Code
Waterfront Living! Enjoy Florida living at its finest in this beautifully updated home featuring 2 bedrooms, 2 bathrooms, plus a versatile flex room—perfect for an office, guest space, or hobby room. Prime Waterfront Location • Approx. 110 feet of canal frontage • Just waiting for your boat lift—ideal for boating enthusiasts!

122 W Saint Annes Circle, Apollo Beach
6911 Sail View Lane, Apollo Beach
$399,000
3 Beds ⋅ 2 Baths ⋅ Waterset Ph 1a Pt Repl SubDv. ⋅ 33572 Zip Code
WATERSET – ASHTON WOODS “YBOR” MODEL WITH A WATER VIEW! Your perfect GREEN-BUILT home awaits in the highly desirable master-planned community of Waterset. Situated on a premium waterfront lot with NO BACKYARD NEIGHBORS, this immaculate move-in-ready residence features a fantastic split-floor plan with an effortless flow. Bright and spacious, this 3-bedroom, 2-bathroom, 1,710 sq. ft. home boasts a 2-car garage and a charming covered front porch and was built for family fun and entertaining. Step through the 8 ft. glass entry door past the foyer, and you’re welcomed by a large family room featuring an elegant tray ceiling perfectly paired with crown molding. The family room overlooks the lanai, patio, and a tranquil pond, and provides a peaceful and inviting space to relax after a long day of work and family activities. Experience the spatial warmth as you move through the open-concept family room, dining area, and kitchen within this thoughtfully designed split-floor plan. The living kitchen is the nucleus of this beautiful home. The kitchen features newer stainless-steel appliances, a center island with breakfast bar seating, cocoa colored, solid-wood cabinetry featuring 42" upper cabinets with crown molding, granite countertops, pendant lighting, and a closet pantry. Its seamless flow into the dining and living areas creates the perfect atmosphere for gatherings and everyday living. The spacious primary retreat features elegant engineered hardwood flooring, and will comfortably fit a king-sized bedroom set. The primary retreat features a large walk-in closet and an en-suite featuring dual vanities, solid wood cabinets, a walk-in shower, a linen closet, and a private water closet. The secondary bedrooms offer generous accommodations, and share a full bathroom with a single vanity and a tub/shower combo. Additional interior features include a highly functional laundry room with hardwood cabinets. Step outside to your outdoor oasis, featuring a large screened lanai that seamlessly flows out to a beautiful travertine patio overlooking the water. The 2-car garage is fully upgraded with epoxy flooring, an EV charging outlet, overhead ceiling shelving, and a newer gas water heater. NEW ROOF INSTALLED IN 2025! Waterset is a sports community and features some of the finest resort-style amenities available in the Tampa Bay area. Residents have access to an array of active and leisure activities: 5 resort-style pools, 3 community fitness centers, a 12-mile trail system complete with fitness stations, The Landing Club and Café, The Lakeside Splash Pad, Picnic Park and Grand Lawn, The Waterset Club, Waterline Station, The Founder’s Club, Southshore Sportsplex, and several parks. Waterset also offers convenient access to major highways, schools, restaurants, shopping, recreation, entertainment, and everything that the Tampa Bay area has to offer. This gem will not last; come make this your forever home!

6911 Sail View Lane, Apollo Beach
260 S Port Royal Lane, Apollo Beach
$210,000
2 Beds ⋅ 2 Baths ⋅ Caribbean Isles Residential Cooperative SubDv. ⋅ 33572 Zip Code
SUNSHINE, PORCH TIME AND EASY FLORIDA LIVING! This charming 2015 two-bedroom, two-bath manufactured home in 55+ Caribbean Isles Residential Cooperative is ready for someone who would rather spend their time enjoying Florida than maintaining a house. Step inside and you'll immediately notice how light, bright and cheerful this home feels. The open floor plan brings the kitchen, living room and dining area together, making the space comfortable for everyday living and entertaining. Pull up a stool at the kitchen island for breakfast or a casual meal, while the cozy dining area provides seating for two when you want to sit down and linger over dinner. Crown molding adds a polished finishing touch, and ceiling fans in the living room and both bedrooms keep those Florida breezes moving. But the real star may be waiting just beyond the sliding glass doors — a large open back porch that practically begs you to slow down and stay awhile. Morning coffee, afternoon reading, dinner outdoors or an evening visit with friends — this is the kind of space that can quickly become your favorite “room” in the house. The primary bedroom features a wall-to-wall closet and private ensuite bath with a walk-in shower. The guest bedroom is conveniently located near the second full bath, which includes a tub/shower combination. Both bathrooms have windows for natural light, and the washer and dryer are conveniently located next to the guest bath. Blinds are already installed throughout, the home is partially furnished, and a separate storage shed gives you extra room for all those things you don't want cluttering your Florida retreat.Then there's life in Caribbean Isles Residential Cooperative, a gated, resident-owned 55+ waterfront community where your calendar can be as full — or as empty — as you want it. Enjoy the heated pool, clubhouse, games, activities, dinners, dances, boating and kayaking opportunities, or simply hop on the golf cart and visit with neighbors. There's always something happening, but relaxing is an activity here, too.Whether you're looking for a full-time retirement home or a seasonal Florida getaway, this sunny, easy-care home gives you a comfortable place to land — and a terrific back porch from which to enjoy it. Bring the flip-flops, pick your favorite porch chair, and start enjoying Florida!

260 S Port Royal Lane, Apollo Beach
6320 Fairway Boulevard, Apollo Beach
$189,900
3 Beds ⋅ 2 Baths ⋅ Apollo Beach Unit One Pt One SubDv. ⋅ 33572 Zip Code
HOTTEST DEAL IN TOWN!! This Fixer Upper is being sold AS-IS, and is the deal of a lifetime on a BLOCK HOME with a gorgeous IN-GROUND POOL in the heart of one of Apollo Beach’s most desirable areas! This is a great home for you to purchase and add some sweat equity, or an investor opportunity to flip or rent. This block home is the perfect canvas for you to flex your creativity. While rebuilding, convert the former garage space into a fantastic bedroom or bonus space! This one needs everything, so it is going to be perfect when you are done. The listing price is the STARTING offer price, and is LESS than the cost of the land, a pool, and the block work. DON’T MISS THIS OPPORTUNITY! This property will be available for showings until MONDAY OCTOBER 19, 2026. ALL OFFERS ARE DUE BY TUESDAY, OCTOBER 20, 2026. Offers will be reviewed, and the winning offer selected, on WEDNESDAY, OCTOBER 21, 2026. Please schedule a showing and Inspect the home before offer submission. For cash offers, Proof Of Funds must accompany the offer. If purchasing in a company name, supply articles of incorporation. No trespassing, must have an appointment to walk the property.

6320 Fairway Boulevard, Apollo Beach
235 Lakeway Lane, Apollo Beach
$279,950
3 Beds ⋅ 2 Baths ⋅ Island Walk Ph I SubDv. ⋅ 33572 Zip Code
PRICED RIGHT! USDA FINANCING ELIGIBLE! Don’t miss an amazing opportunity to scoop up this 3-bedroom, 2-bath gem situated in the established Apollo Beach neighborhood of Island Walk. It is truly a blank slate ready for your personal touch. The big-ticket items are already covered: roof replacement in 2014, newer 3.5-ton Trane HVAC installed in 2023. Step into the spacious great room with endless potential to create a warm and inviting living space. Outside, enjoy a large covered and screened lanai and a partially fenced backyard. There is also a shed if you need extra storage space. The driveway has been extended offering convenient additional parking. Hurricane shutters are included. With some TLC and cosmetic updates, this home can be made cozy and comfortable for years to come. Its location puts you close to everything that makes Apollo Beach special, including Apollo Beach Park & Recreation Center, Nature Preserve, waterfront dining, public boat ramps and nearby marinas. Bring your vision and make this Apollo Beach home your own!

235 Lakeway Lane, Apollo Beach
7442 Oxford Garden Cir, Apollo Beach
$297,900
3 Beds ⋅ 2 Baths ⋅ Covington Park SubDv. ⋅ 33572 Zip Code
Virtually Staged. COVINGTON GARDENS — INVESTOR OPPORTUNITY! Welcome to this inviting 3-bedroom, 2-bath home offering comfortable living, desirable features. A screened front porch provides a welcoming entry and a great spot to enjoy the Florida breeze. Inside, the kitchen features granite countertops, maple-tone cabinetry, tile flooring, a decorative nook, and French doors with integrated blinds leading to the backyard. The living and dining areas feature attractive laminate flooring, while decorative plant ledges provide additional space to showcase your personal style. Ceiling fans throughout the home and window blinds add comfort and privacy. The spacious primary suite features a walk-in closet and private bath with a relaxing garden tub/shower combination. Located in a natural gas community, the home features a gas furnace, dryer connection. Step outside to the fenced backyard overlooking the pond, complete with an extended concrete patio offering plenty of space for grilling, outdoor dining, and entertaining. Covington Gardens offers a low HOA and CDD, an impressive selection of community amenities, including swimming pools, clubhouse with facilities, fitness center, tennis courts, soccer fields, walking paths, playgrounds, Clock Tower Park, and community activities. Conveniently located near shopping, dining, entertainment, and I-75 for easy commuting. INVESTOR OPPORTUNITY: Property is tenant-occupied with an existing lease through May 1, 2027. Buyer to assume and honor the existing lease, subject to its terms and applicable requirements. Property is being sold AS-IS.

7442 Oxford Garden Cir, Apollo Beach
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