6512 Simone Shores Circle, Apollo Beach, FL 33572

$699,000 3 bedrooms | 3 full and 1 half baths | 2,026 square feet | built 2007 | Hemingway Estates MLS TB8393675

6512 Simone Shores Circle is a Key West style waterfront home in Hemingway Estates in Apollo Beach, one of the community’s original homes, completely remodeled and carpet-free. It has two private docks with a boat lift and a double jet ski lift, and it looks across the canal at protected conservation land, so there is nobody behind you.

Block construction, a metal roof, a foundation the listing puts at more than 11 feet above sea level, and no CDD. The price is $699,000.

The water comes first

Two private docks, a boat lift and a double jet ski lift, with a route out to Tampa Bay. From here Tampa and St. Petersburg are roughly a 25-minute boat ride. Across the canal is conservation land, which means the view you buy is the view you keep. That is getting rare on the water in Apollo Beach.

There is one thing I tell everyone about Hemingway Estates, because it decides the boat: there is a low, fixed road bridge between the community and the bay. It is the bridge on the road out to the Manatee Viewing Center. The low tide draft is four feet. A lower center console, a pontoon and jet skis are right at home here. A tall tower or a flybridge is not. Send me the height of your boat and we will check it before you fall in love with the house. There is more on this in boat size restrictions and canal depths.

Elevation and flood insurance

All of Apollo Beach west of U.S. 41 is flood zone AE, so if you finance, the lender will require flood insurance. What drives that premium is elevation, and this home sits on a foundation the listing describes as more than 11 feet above sea level, with block construction and a metal roof. Get a quote on this exact address before you write an offer. I am happy to point you to insurance agents who write a lot of policies here.

Inside the house

The interior was completely remodeled and there is no carpet anywhere. Every bathroom has floor-to-ceiling imported tile, new cabinetry and updated fixtures. The kitchen has a full stainless steel appliance package and opens to the living room, which has an electric fireplace and big windows toward the water.

Off the living area is a large covered lanai with automatic drop-down screens, so you can close it up for the bugs or the afternoon sun with the push of a button and still have the water view.

Upstairs

All three bedrooms are upstairs. The primary suite has a beautifully finished bath, a walk-in closet and a private balcony over the water. The guest bedroom has its own bath and opens to the front balcony, and the third bedroom sits next to a full bath and the laundry room, with access to an upper balcony. There is also a water softener, a security system and surround sound pre-wiring.

What it actually costs to own

Estimated property taxes are about $5,412 a year. Florida reassesses a home after it sells, so ask me for an estimate based on your price and whether this will be your primary home. The HOA is $265 a month on the current listing and covers landscaping and lawn care for each home. There is no CDD. Budget for flood insurance if you finance, and for routine upkeep on the docks and lifts.

Hemingway Estates

Hemingway Estates is a small waterfront enclave on one street, Simone Shores Circle, across from Apollo Beach Elementary. You can walk to the Manatee Viewing Center and the Florida Aquarium’s Sea Turtle Rehabilitation Center. There is no gate and there are no community amenities, which is part of why the HOA stays low. The original Key West style homes went up starting in 2007, and in 2025 Bistro Builders added new homes along the canal. If you want the same water with a brand-new build, see the Hemingway Estates new construction page. If you want the water for less, this is the one.

Questions people ask about this home

Is there a fixed bridge between 6512 Simone Shores Circle and Tampa Bay?

Yes. A low, fixed road bridge sits between Hemingway Estates and the bay, on the road out to the Manatee Viewing Center. It limits boat height, so a lower center console or a pontoon is the right fit. Check your boat against it before you make an offer.

What is the low tide draft?

The low tide draft here is four feet.

Is there a CDD?

No. Hemingway Estates has no CDD.

What does the HOA cover?

The HOA is $265 a month on the current listing, and it covers landscaping and lawn care for each home. There are no community amenities and no gate.

What flood zone is it in?

Flood zone AE, like all of Apollo Beach west of U.S. 41. Flood insurance is required if you finance. The listing puts the foundation more than 11 feet above sea level.

Is this one of the new Bistro Builders homes?

No. It is one of the original 2007 Key West style homes in Hemingway Estates, completely remodeled inside. The 2025 Bistro Builders homes are listed separately.

Where are the bedrooms?

All three bedrooms are upstairs, and each one has access to a balcony.

Watch the video tour

Want a feel for 6512 Simone Shores Circle, Apollo Beach before you come see it? Here is the video walk-through.

Come see it

If you would like to see it, call or text me. Tell me about the boat you have, or the one you are dreaming about, and how you like to spend a day on the water. Jet skis to the sandbar, fishing at sunrise, dinner by boat across the bay? That tells me quickly whether this dock is the right fit, and I would love to hear it.

Shawna Calvert, REALTOR
The Calvert Home Team at 27North Realty
509-294-6818 | shawna@27northrealty.com

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