MiraBay Apollo Beach FL: Waterfront Homes, Prices, HOA & CDD

By Linda Reynolds, Broker, Reynolds Realty Gulf Coast (License #BK3021695) · Updated November 2026

MiraBay is the best-known waterfront community in Apollo Beach. Newland Communities began building it in the early 2000s on roughly 750 acres along Tampa Bay, and newer sections such as Marisol Pointe by Park Square Homes have been added since. The heart of the community is the MiraBay Club, with a resort pool, café and fitness center overlooking the lagoon. For the bigger picture, see my Apollo Beach real estate guide.

What is MiraBay like?

Life in MiraBay centers on the water and the MiraBay Club. The roughly 10,000-square-foot clubhouse has the Galley café, a fitness center and event space. Outside is a resort-style pool with a lighthouse water slide, a lap pool and views across the lagoon. Residents can borrow kayaks and paddleboards, and the community has lighted tennis courts, pickleball and basketball courts, sand volleyball, playgrounds, parks and walking paths. A full-time social calendar keeps events going year-round, and golf carts are common. Shopping, dining and the Manatee Viewing Center are a short drive away.

What do homes cost in MiraBay?

MiraBay has the widest price range of any Apollo Beach community. Over the past two years, sales have run from about $275,000 to more than $2.6 million. In the year through spring 2026, about 106 homes sold, with an average sale price near $857,000. Townhomes at Compass Pointe and the villas along Golden Isles Drive have listed from about $345,000 to $440,000. Inland single-family homes have mostly run from the high $400,000s to about $700,000. Waterfront homes with docks on the lagoon or canals typically sell for $1 million and up, and the largest estates on streets like Tybee Island Drive and Manns Harbor Drive have reached $2 million to $3 million.

Prices change month to month and depend heavily on water frontage. Call or text me for current sales on the street you like.

MiraBay HOA, CDD and schools

The master HOA, managed by FirstService Residential, is low, about $160 to $190 a year in 2026 listings. Townhome and villa sections have their own association on top of that, roughly $410 to $850 a month, which usually covers exterior and grounds care. Most homes also pay a Harbor Bay CDD assessment of about $1,900 to $5,900 a year, billed with property taxes, and larger waterfront homes carry the highest amounts. Property taxes in recent listings have run from about $5,000 to more than $28,000 a year. Schools are assigned by Hillsborough County; homes have been zoned for Apollo Beach Elementary, Eisenhower Middle and Lennard High. Confirm zoning for any address. My guide to HOAs, CDDs and 55+ communities explains how these fees work.

What should you know before buying in MiraBay?

• Add up the full monthly cost. Combine the HOA, any villa or townhome fee, and the CDD on the tax bill. They vary a lot from one section to the next.
• Lagoon, canal or inland? If you want a boat, confirm the lot, water depth, dock and lift condition, and any bridges or restrictions between the home and Tampa Bay.
• Flood zone and storm history. Many homes are in flood zone AE, and storm surge from Hurricanes Helene and Milton in 2024 affected parts of Apollo Beach. Ask about the elevation certificate and any past flooding. See my flood zone guide.
• Insurance. Get wind and flood quotes early, especially on waterfront homes. See my homeowners insurance guide.
• Homestead exemption. If this will be your permanent home, file for homestead. Here is how homestead works in Hillsborough County.

Selling a home in MiraBay

MiraBay buyers compare homes by water position as much as by size. I price your home against recent sales with the same kind of frontage, whether lagoon, canal or inland, and gather the details boaters ask about up front: dock and lift specs, seawall condition, water depth and flood history. Curious what your home is worth? Get a free home value at GulfCoastValues.com, then call me for a real number based on recent MiraBay sales.

MiraBay questions people ask

Does MiraBay have boat access to Tampa Bay?

Yes. MiraBay’s 135-acre saltwater lagoon and canals connect to Tampa Bay, and many waterfront homes have private docks and boat lifts. Inland homes do not have private water access.

Is MiraBay a gated community?

Yes. MiraBay has a gated entrance off US 41.

Does MiraBay have a CDD?

Yes. Most homes pay a Harbor Bay CDD assessment of about $1,900 to $5,900 a year on the property tax bill, in addition to a low master HOA fee.

What do homes cost in MiraBay?

Townhomes and villas start in the high $300,000s, inland single-family homes mostly sell from the high $400,000s to about $700,000, and waterfront homes typically sell for $1 million and up.

What amenities does MiraBay have?

The MiraBay Club with the Galley café and fitness center, a resort pool with a water slide, a lap pool, tennis, pickleball and basketball courts, sand volleyball, playgrounds, parks, walking paths, kayaks and paddleboards, and year-round community events.

What schools serve MiraBay?

Homes have been zoned for Apollo Beach Elementary, Eisenhower Middle and Lennard High. Hillsborough County sets zoning, so confirm for the specific address.

Is MiraBay a 55+ community?

No. MiraBay has no age restriction.