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List Price

$825,000

6402 Rubia, Apollo Beach, FL 33572

39 days on market

Estimated Payment

$6,953/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms4 baLiving area2,588 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 1996

Listed by

Jill Neuman

KELLER WILLIAMS TAMPA CENTRAL

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Virtually Staged. After an extensive renovation in 2026, we are proud to present 6402 Rubia Circle, an exceptional 4-bedroom, 3.5-bath pool home located in the luxurious, highly sought-after waterfront community of Andalucia in Apollo Beach. This property sustained no damage from any 2024 hurricanes. Welcome to resort-style Florida living in Andalucia, one of Apollo Beach’s premier 24- hour guard-gated waterfront communities. Thoughtfully renovated inside and out, this move-in-ready residence beautifully blends timeless elegance, modern comfort, and quality craftsmanship. Offering 2,588 square feet of living space, a 3-car garage, four spacious bedrooms, and three-and-a-half baths, this home is designed for both relaxed everyday living and effortless entertaining. A new roof was installed in 2020, and abundant natural light fills the open floor plan, creating a seamless flow throughout the home. At the center of the residence is a stunning, completely reimagined kitchen featuring quartz countertops, stainless steel appliances installed in 2020, abundant cabinetry, and a large island with seating. The spacious family room is anchored by a charming wood- burning fireplace, while the open dining and living areas are enhanced by beautiful new light fixtures. The home’s electrical upgrades in 2026 include new interior LED ceiling lighting and exterior LED soffit lighting with programmable smart switches, adding both style and convenience. The generous primary suite provides a private retreat with an elegant ensuite bath, large walk-in closet, and sliding doors opening directly to the pool deck. A second spacious bedroom offers the privacy of its own ensuite bath, while two additional well- appointed bedrooms share a beautifully renovated hall bath. Step outside to your own private resort. The 2026 newly refinished pool features upgraded jets, lighting, chlorination, and filtration systems, complemented by freshly resurfaced concrete decking and new pool fencing. The 2026 built-in outdoor kitchen creates the perfect backdrop for entertaining, dining al fresco, and enjoying the year- round Florida lifestyle. Other areas that were recently renovated in 2026 include an epoxy-coated garage floor, all-new toilets, fresh interior and exterior paint, an upgraded air-filtration system enhancing the 2017 HVAC system, a sprinkler system overhaul, repaired well system for irrigation, tree trimming, and beautiful new landscaping and plantings. Beyond your private oasis, Andalucia offers an exceptional collection of resort-style amenities. Residents enjoy a clubhouse overlooking Tampa Bay, a waterfront pool with breathtaking sunset views, pickleball, tennis and basketball courts, a playground, and access to a private marina, with boat slips available for rent or ownership.

6402 Rubia, Apollo Beach, FL 33572 in Apollo Beach, FL 33572 is listed for $825,000. The home has 4 bedrooms, 4 bathrooms, and 2,588 square feet, and was built in 1996. Listed 39 days ago. The listing is held by KELLER WILLIAMS TAMPA CENTRAL.

33572 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$643 (tax year 2025)
HOA fee$332 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$6,953/moest.

0% down -- about $1,415 more per month than 20% down conventional.

  • Principal & Interest 81%
  • Property Taxes 1%
  • Insurance 10%
  • HOA 5%
  • USDA Fee 3%
Principal & Interest
$5,636
Property Taxesfrom listing
$54
Insurance
$688
HOA
$332
USDA Annual Fee
$243

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$8,250

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $6,953, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $643 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR813138873. HomeJam is not the listing broker.

List Price

$825,000

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