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.
Wow - well scratch that!! An hour commute is something I'm trying to get away from right now.
I'll send a PM when the move is absolutely...but for now, I'm fact finding. What about areas like Palm Harbor. Just seems like there is a lot of SKINNY SKINNY water
Tarpon Springs may be an option...what is the depth on the ICW on the left coast?