Apollo Beach is a nice little town, but I doubt that you could commute to Oldsmar in anything less than an hour from there during rush hour.
Perhaps a home somewhere on the intracoastal in between Clearwater and Tarpon Springs.
I have worked in marinas and private slips all up and down that area, but I can't speak to all your criterion.
I don't pay much attention to the housing stuff myself, but my sister is a real estate agent in St Pete. If you would like her info, pm me.