Would a tummy tuck get rid of a belly fat apron?

It is hard to say anything for sure, without photographs, but what you are describing is exactly what a tummy tuck is designed to accomplish. You should see a board-certified plastic surgeon who could give you more information about how you could achieve the best results.

It sounds like attempts at weight loss have not helped you get rid of the belly fat.  The next step would be to consider either liposuction or a tummy tuck.  Which one is right for you really depends upon how much of your problem is fat and how much of it is skin.  If the problem is just fat, then liposuction is the answer.  If it a combination of skin and fat, then a tummy tuck is the best choice.

I don't believe there is any way to get rid of your excess belly fat other than by surgery.  You should see a board certified Plastic Surgeon to evaluate your condition for a tummy tuck.  It is a very satisfying procedure.