347 Cockle Shell Loop 
Apollo Beach, FL 33572

This home offers the rare chance to assume the seller’s VA loan at an incredible 3.87% interest rate for qualified buyers. Take advantage of today’s higher-rate market by locking in this below-market rate and potentially saving thousands over the life of the loan. (Buyer must meet lender qualifications for the assumption.) Welcome to The Reserves at Harbour Isles – where luxury, space, and serenity come together! This beautifully maintained 4-bedroom, 3-bath, 3-car garage home sits on a quarter-acre lot with breathtaking pond views in the highly sought-after Apollo Beach community. From the moment you arrive, you'll be impressed by the lush landscaping, supported by a cost-saving irrigation system fed by a dedicated well—a smart feature that can save you thousands on your water bill. Step inside to a spacious foyer that opens to a formal dining room on the right and a formal living area on the left—ideal for entertaining or relaxing in style. The heart of the home is the chef’s kitchen, featuring: 42” wood cabinetry Granite countertops Stylish backsplash Stainless steel appliances, including a **new dishwasher (May 2025)** Wine refrigerator Oversized island with breakfast bar Walk-in pantry and generous storage Sunny breakfast nook overlooking the family room The massive primary suite offers ample room for a king-size bed and furniture. The ensuite bath includes dual granite vanities, a garden tub, and a walk-in shower. This three-way split floor planprovides excellent privacy for guests, with three additional spacious bedrooms, a shared full bath, and a separate pool bath. The laundry room includes ample cabinetry and storage space and provides direct access to the 3-car garage. Recent Updates include: All carpet replaced (April 2025) New dishwasher (May 2025) New HVAC system (2020) Updated hot water heater Whole-home water filtration and softener system Interior painted in 2022 Exterior painted in 2020 Out back, enjoy peaceful mornings and stunning sunsets from your fully screened lanai — with room to build the custom pool of your dreams. Residents of Harbour Isles enjoy top-notch amenities: Community pool Fitness center Basketball and volleyball courts Playground Walking trails Boat & RV storage All with a low annual HOA fee! Ideally located just minutes from Tampa, Sarasota, and Bradenton, plus quick access to Florida’s top beaches and Orlando attractions. This home truly has it all—schedule your private showing today!